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PostFinance legal protection insurance
Your protection in the event of everyday legal disputes
PostFinance legal protection insurance provides you with financial protection in the event of everyday legal disputes, because a court case can quickly get costly. Piece together the coverage that suits you from the options we provide so that you feel at ease no matter what arises.
PostFinance legal protection insurance: for peace of mind on the go
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Top-quality insurance coverage at fair prices
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Free premium protection – no automatic premium adjustment in the event of a claim
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Round-the-clock access to your information in the online cockpit
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One-month notice period – even within the term of the contract
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No cost sharing in the form of retention fees
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10% discount with the SmartPlus banking package
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Basic coverage – private legal protection
Coverage Description Coverage Personal, family and inheritance lawDescription Covers legal advice on personal, family and inheritance law.Coverage Employment contract as an employeeDescription Covers legal cases that arise from disputes with the employer.Coverage Consumer law and other contractsDescription Disputes arising from the following contracts: buying/selling; exchange; gifts; movable property rental; loans; deposit; transport; consumer credit; credit card; contract for work and services; subscription; telecommunications.Coverage Simple agency contractDescription Covers disputes the insured person has with their employer that arise from a simple agency contract.Coverage Criminal lawDescription Defence in legal proceedings for criminal acts committed due to negligence.Coverage Tort lawDescription Asserting insured persons’ non-contractual claims for compensation for loss or damage.Coverage Insurance lawDescription Covers disputes concerning claims under private insurance and social security law (AHV/IV, SUVA, health insurance, pension funds, etc.)Coverage Patient lawDescription Disputes concerning claims against doctors, hospitals and other medical institutions.Coverage Travel lawDescription Disputes that arise from the following contracts:
credit card; luggage transport; package holidays; accommodation contract; holiday home rental or campsite rental.
Additional coverage
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Coverage
Description
Ownership and property lawCivil law disputes arising from the ownership of the insured property entered in the land register.
Law of neighbours
Civil law disputes with immediately adjacent neighbours.
Public lawDisputes as owner with the community, e.g. objections to construction projects or devaluation of the insured property.
Criminal law
Defence in legal proceedings as owner of the insured property for criminal acts committed due to negligence.
Tort law
Disputes concerning compensation for damage caused to a building.
Contract for work and services and simple agency contract
Disputes arising from a contract or order relating to works on the insured property.
Employment contract and simple agency order
Disputes with employees or agents for the maintenance, upkeep and management of the insured building.
Contract with energy supplierDisputes arising from a contract with an energy/water supplier.
Insurance law
Disputes with insurance companies that cover the insured building.
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Coverage
Description
Vehicle contract law
Vehicle contract law Disputes arising from the following contracts: buying/selling; lease; repair and maintenance; borrowing/renting a motor or water vehicle.
Tort law
Asserting insured persons’ non-contractual claims for compensation for loss or damage.
Criminal law
Defence in the event of infringements due to negligence.
Insurance law
Disputes concerning claims under private insurance and social security law.
Property law
Civil law disputes arising from ownership, possession or other rights in rem to a motor or water vehicle.
Renting a garage, parking space or boat siteDisputes in the capacity of owner or keeper of an insured vehicle arising from renting a garage, parking space or berth.
Administrative proceedings
Administrative proceedings concerning the driving licence or vehicle registration document.
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Coverage
Description
Tenancy law
Disputes with the landlord.
Contract for work and services and simple agency contract
Disputes arising from a contract or order relating to works on the insured property.
Insurance law
Disputes with insurance providers covering the rental property.
Subscription contract
Disputes arising from contracts concerning subscriptions with the energy/water supplier or the telephone/Internet provider that have been negotiated for the rental property.
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Coverage
Description
Misuse of online identityCivil law disputes arising from the unlawful appropriation and misuse of your online identity.
Cyberbullying
Legal disputes with perpetrators of serious privacy breaches online.
Threats, coercion, blackmailLegal disputes with perpetrators of threats, coercion or blackmail online.
Skimming
Civil law disputes arising from the unlawful procurement of your bank or postal account details using the skimming method.
Credit card misuse
Civil law disputes as the victim of credit card misuse online.
Right to the protection of one’s imageCivil law disputes arising from violations of the right to the protection of one’s own image online.
Copyright, name rights and trademark rights
Civil law disputes arising from a breach of copyright, name rights or trademark rights online.
Consumer contracts
Civil law disputes arising from contracts concluded online.
Online payment processing
Civil law disputes in the event of irregularities in payment processing online.
Malware
Technical support in the event of a private electronic device being infected with malware such as viruses or trojans.
Premium calculator
Calculate your premium with ease and without any obligation to purchase.
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To take out new legal protection insurance, you should cancel your current insurance policy. To do so, find out the notice period for your current policy. You can find the conditions either in the policy or the General Terms and Conditions of Insurance (GTCI).
Cancel your existing policy subject to the deadlines set out in the contract. To do so, you can use our The link will open in a new window cancellation letter template.
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Calculate your premium online with the PostFinance The link will open in a new window premium calculator. The quotation is valid for 30 days and can be accepted at any time. You can calculate the quotation in the cockpit itself using an existing PostFinance insurance login.
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Take out your PostFinance legal protection insurance online in just a few minutes by accepting the insurance conditions in your online quotation and clicking on “Take out now”.
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Once you have taken out the insurance policy, all the contractual documents will either be sent to you electronically or by post.
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You can register in PostFinance’s The link will open in a new window online cockpit at any time to ensure you have round-the-clock access to your insurance information.
The online cockpit provides assistance in dealing with all PostFinance’s property insurance policies.
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Legal protection insurance covers costs associated with legal disputes, e.g. court costs and procedural costs as well as lawyers’ fees and experts’ fees. The insurance coverage enables insured persons to dispute claims deemed to be unjustified, to assert claims for compensation or to appeal against a decision deemed to be unjustified. This applies without insured persons taking financial risks or having to make an advance payment.
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Legal protection insurance protects insured persons against the financial consequences of a legal dispute. In order to be able to assert your rights in the event of legal disputes, you need the help of specialists. If no amicable solution can be reached in a first step, high lawyers’ fees and legal proceedings are unavoidable. If you take out legal protection insurance, you are given a guarantee that in case of any legal disputes, you will not have to waive your right and will be able to assert your claims.
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The product is in principle aimed at all private individuals who live in Switzerland or the Principality of Liechtenstein.
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The insurer is Assista Rechtsschutz AG, Chemin de Blandonnet 4, 1214 Vernier. Assista is the leading provider of legal protection insurance for private individuals on the Swiss market. In the context of PostFinance legal protection insurance, Assista Rechtsschutz AG bears the risk and processes claims.
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If you have the SmartPlus banking package, the insurance discount applies to all PostFinance property insurance policies (car, motorcycle, travel and legal protection insurance), except for those for which Great Lakes Insurance SE is the insurer. The discount is granted only once per insurance policy on an annual net premium (excluding taxes, duties, etc.) and is credited to your PostFinance private account within three months. The discount lapses or is not granted if your banking package is changed from Smart to SmartPlus and back within two years and/or if the policy is terminated and a new policy is taken out for the same insurance object.
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Best legal protection insurance in Switzerland
HZ Insurance, Handelszeitung and PME magazine have presented our partner Assista Rechtsschutz AG with the “Top Insurance 2024” award for private and traffic legal protection.
