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INSURANCE

EXPLAINED: Why you need ‘legal protection insurance’ in Switzerland

Swiss insurance companies offer a variety of services, but the one covering legal disputes is among the most popular ones. This is what you should know about it.

EXPLAINED: Why you need 'legal protection insurance' in Switzerland
Law and order: Legal insurance may make it easier. Photo by Sora Shimazaki from Pexels

The Swiss like to be prepared for all kinds of disasters — both real and imaginary.

This is where insurance comes in.

Whether it’s a policy that covers damages inflicted on cars by weasels, or insurance for theft of sleds and skis placed outside a mountain restaurant, people here don’t like to leave anything to chance.

One of the most popular optional coverages — as opposed the health insurance, which is compulsory — is legal protection insurance (Rechtsschutzversicherungen in German, protection juridique in French, and protezione giuridica in Italian).

What is it and what does it cover?

Simply put, it covers attorney and other associated fees if you undertake court action against someone, are sued, or simply need legal advice.

There are two different types of legal protection insurance — one specifically for traffic accidents and the other for all other matters. Sometimes they are combined.

Typically, this insurance covers costs of legal representation associated with contract disputes, employment, loans and debts, healthcare, housing, retail purchases, and travel.

Photo by Rodnae Productions from Pexels

Some carriers also insure cases related to marital law and inheritance.

Most will not cover attorney fees for criminal cases where you are the perpetrator, or financial disputes related to asset management, banking and investment.

Also excluded is legal action related to political or religious activism.

Can you choose your own lawyer or will you have one assigned to you by the insurance company?

Typically, an insurer has a roster of approved attorneys with whom it works. Some allow the client to choose from the list, while  others select one for you.

If your own lawyer is part of your insurer’s roster, you can request he or she represents you, but it is not guaranteed.

How much does this insurance cost?

Fees vary depending on what coverage you need (traffic accidents, general, or combined), whether they have deductibles, and how high they are.

You can compare the premiums by using this link.

Do you actually need this coverage?

As is the case with any optional insurance, you don’t need it until you do.

Generally speaking, and according to online consumer comparison site Moneyland.ch, “if you require legal consultation at least once every two years, getting personal legal insurance often makes financial sense. Just the legal consultation benefits which you get with some insurance policies can make up for the cost of premiums”.

READ MORE: How much does health insurance cost in Switzerland?

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For members

LEARNING FRENCH

How to talk email, websites, social media and phone numbers in Swiss French

It's a very common experience to have to give out your phone number or email address in Switzerland, or take down the address of a website, so here's how to do this if you're in the French-speaking part of the country.

How to talk email, websites, social media and phone numbers in Swiss French

The correct names for punctuation marks used to be fairly low down on any French-learner’s list, but these days they are vital whenever you need to explain an email address, website or social media account.

Likewise if you want to talk about websites, or social media posts, there are some things that you need to know. 

Punctuation

Obviously punctuation points have their own names, and making sure you get the periods, dashes and underscores correct is vital to giving out account details. 

Full stop/period . point. Pronounced pwan, this is most commonly heard for Swiss websites or email addresses which end in. ch (pronounced pwan ce ash).

If you have a site that ends in .com you say ‘com’ as a word just as you would in English – pwan com.

At symbol @ Arobase – so for example the email address [email protected] would be jean pwan dupont arobas bluewin pwan ce ash.

Ampersand/and symbol & esperluette

Dash – tiret

Underscore _ tiret bas 

Forward slash / barre oblique

Upper case/capital lettersMajuscule (or lettre majuscule)

Lower caseminiscule

The following punctuation points are less common in email or web addresses, but worth knowing anyway:

Comma , virgule. In French a decimal point is indicated with a comma so two and a half would be 2,5 (deux virgule cinq)

Exclamation mark ! point d’exclamation – when you are writing in French you always leave a space between the final letter of the word and the exclamation mark – comme ça !

Question mark ? point d’interrogation – likewise, leave a space between the final character and a question mark 

Brackets/parentheses ( ) parenthèse

Quotation marks « » guillemets 

Numbers

If you need to give your phone number out, the key thing to know is that Swiss-French people pair the numbers in a phone number when speaking.

So say your number is 079 345 6780, in French you would say zero septante-neuf, trois-cents quarante-cinq, soixante-sept, huitante (zero seventy-nine, three hundred forty-five, sixty-seven, eighty ).

Mobile numbers in Switzerland  begin with 079 or 078 (zero septante-neuf or zero septante-huit).

Social media

If you want to give out your Twitter or Instagram handle, the chances are you might need to know some punctuation terms as described above.

Otherwise the good news is that a lot of English-language social media terms are used in Switzerland too.

Twitter, Facebook and Instagram have the same names in Switzerland and have entered the language in other ways too, for example you might describe your dinner as très instagrammable – ie it’s photogenic and would look good on Instagram.

On Twitter you can suivre (follow), aimer (like) or retweet (take a wild guess). You’ll often hear the English words for these terms too, though pronounced with a French accent.

There is a French translation for hashtag – it’s dièse mot, but in reality hashtag is also very widely used.

Tech is one of those areas where new concepts come along so quickly that the English terms often get embedded into everyday use before the French-speakers can think up an alternative.

READ MORE: French-speaking Switzerland: Seven life hacks that will make you feel like a local

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