Legal case

• Legal advice and representation for legal disputes.
• You can claim up to CHF 250,000 per dispute (or CHF 50,000 in cases outside Europe) to cover lawyers' fees, court and procedural expenses, expert witnesses, court fees and compensation for the other party.
• This policy covers disputes with doctors, hospitals and providers of social insurance and private liability insurance

• Legal advice and representation for legal disputes.
• You can claim up to CHF 250,000 per dispute (or CHF 50,000 in cases outside Europe) to cover lawyers' fees, court and procedural expenses, expert witnesses, court fees and compensation for the other party.
• The policy covers disputes in your capacity as the driver, hirer or user of transportation or as a pedestrian during holidays and while attending foreign schools (including transport to and from the school).

Because legal disputes are also common in civil matters (e.g. disputes with your landlord) or in motoring (e.g. after a car accident), you can supplement your existing cover inexpensively with civil and motoring cover with KLuG Advocare PLUS, thereby turning your cover into comprehensive legal expenses insuranc

Legal advice and representation in the case of private legal disputes.You receive up to CHF 300,000 per case for lawyers' fees (free choice of lawyer upon agreement), court and trial fees, expert opinions and mediator, court-awarded costs and compensation, advances of bail. The insurance covers are disputes with insurers (e.g. liability insurers), disputes with landlords (e.g. due to rental increases), disputes with the employer (e.g. due to termination of the employment contract), contractual disputes (e.g. in the case of purchase contracts, travel contracts, orders), disputes with neighbours, buildings that require authorisation, legal advice in cases relating to the purchase, sale, pledging and letting of property, advice in matters relating to family or inheritance law or the law of persons).You also receive legal support and the following financial benefits for victims of violent crime in the case of death and disability, as well as for treatment costs and property loss and damage:

• lump-sum benefit of CHF 150,000 in the event of death and of CHF 300,000 in the event of full disability (without progression). Persons over the age of 65 receive a lifelong annuity instead of a lump-sum payment.
• Unlimited treatment costs for a period of five years supplementary to compulsory healthcare insurance, military insurance, Federal Disability Insurance or compulsory accident insurance.
• Up to CHF 5,000 for damage to property that the insured was wearing or carrying.

Legal advice and representation for legal disputes involving motoring issues (throughout Europe).You receive up to CHF 300,000 per legal case for lawyers' fees (free choice of lawyer upon agreement), court and trial fees, expert opinions, court-awarded costs and compensation, advances of bail. The insurance covers the enforcement of claims for damages worldwide (property damage, e.g. to your car), contractual disputes in Europe and the Mediterranean countries (e.g. in connection with the purchase, lease, rent or repair of a vehicle), the provision of a defence in the event of criminal proceedings in Europe and the Mediterranean countries (e.g. unjustified fines), and representation in administrative proceedings in Europe and the Mediterranean countries (e.g. withdrawal or confiscation of an ID or a permit).You also receive legal support and the following financial benefits for victims of violent crime in the case of death or disability as well as for treatment costs and property loss and damage:

• lump-sum benefit of CHF 150,000 in the event of death or CHF 300,000 in the event of full disability (without progression). If you are over the age of 65, you receive a lifelong pension instead of a lump-sum benefit.
• Unlimited treatment costs for a period of five years supplementary to compulsory healthcare insurance, military insurance, Federal Disability Insurance or compulsory accident insurance.
• Up to CHF 5,000 for damage to property that the insured person was wearing or carrying.

Whether you need healthcare and foreign legal protection or civil and motor' legal protection, the procedure is the same:

• Contact us by calling the emergency number on the back of your insurance card.
  or
• Describe your case to us using the form "Notification of legal protection claim" and send the signed form to us.