Legal protection insurance

[gaijin]

After talking with colleagues and friends, I decided it's time to get a legal protection insurance.

I used Moneyland to find the cheapest deals. This left two companies in the final round: Mobiliar (Protecta) and Generali. What I like about Generali is their Fr. 0 deductible even with the lowest premium. The Fr. 2'000 deductible of Mobiliar (Protecta) might be prohibitive for many small claims.
Another topic is the choice of lawyer. From my understanding (but I need to clarify) both Generali and Mobiliar allow a choice of lawyers (they have of course to be informed).
My reason for (hopefully never) using this insurance: legal problems at work, in my apartment and when privately buying or selling products.

Anything I missed?

 

[Baptiste Wicht]

We also got one after we had a small legal scare on the blog and got corporate legal protection insurance. At the same time, we thought it was well to get one for us as well since it's quite cheap for a household and it can avoid a lot of damage. It can also be a good tool to avoid issues.

We only care about protecting from big claims, so we kept a 2000 CHF deductible. We can still use it for legal questions without a deductible, which is quite useful. We are using AXA for both policies. If you are expecting many small claims, I understand that a lower deductible can be useful.

I don't think you have missed anything

 

[leochance]

After talking with colleagues and friends, I decided it's time to get a legal protection insurance.

I used Moneyland to find the cheapest deals. This left two companies in the final round: Mobiliar (Protecta) and Generali. What I like about Generali is their Fr. 0 deductible even with the lowest premium. The Fr. 2'000 deductible of Mobiliar (Protecta) might be prohibitive for many small claims.
Another topic is the choice of lawyer. From my understanding (but I need to clarify) both Generali and Mobiliar allow a choice of lawyers (they have of course to be informed Cool Games).
My reason for (hopefully never) using this insurance: legal problems at work, in my apartment and when privately buying or selling products.

Anything I missed?

I’d also check the waiting periods and exclusions, especially for employment and tenancy disputes, since these can matter as much as the premium. The CHF 0 deductible with Generali is attractive, but I’d compare the coverage limits and which types of disputes are actually included before deciding.