By the way the coverage is usually at best around 1million for cases in Switzerland/Europe. I noticed this can vary quite a lot, the cheapest insurances being around 300k.
You’re mixing things up. The amount for which you are sued (say CHF 100 thousand gazillions) is not insured under the legal protection policy. What the insurance company covers is the lawyer’s fee (and this is limited as per my policy to 1 mio CHF). That’s all. If you lose the legal case you still have to pay the amount for which you are being sued, but the lawyer’s fee is covered
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I would just never ever get the Rechtsschutz at the same company where I have any other insurance policy.
I assume I would probably need it most to sue my Krankenkasse, Haftpflicht or whatever. In case it’s the same company, the Rechtsschutz is useless
I’ve never had a legal insurance nor ever had the need for one.
But I also know of people who get tangled up in disputes regularly. Oh the energy.
Employer, landlord, … I can walk away when I want.
That’s my protection. Less lost nerves than a drawn-out legal dispute.
The only time to require a good lawyer IMO is possibly during a divorce, and that’s usually not covered by these insurances.
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I consider getting a law insurance. but i read alot about them varying widely in quality and price. Does anyone have good experience? please list here!
what i found so far (all german)
- 2015: https://www.srf.ch/sendungen/kassensturz-espresso/tests/kassensturz-tests/rechtsschutz-versicherungen-nur-wenige-sind-empfehlenswert
- 2017: Der Rechtsschutz ist kein Rundum-sorglos-Paket | NZZ
- 2018: «Wofür braucht es eine Rechtsschutzversicherung?»
i got highly recommended to require free choice of attorney, and what you read from this limited literature is that the contract conditions vary significantly, so you better compare them in detail. the kassensturz has a nice overview in it’s pdf table
they also write that there is the ever-lasting conflict of interest between the client who wants to go to court and the insurance that waives in case of suboptimal prospects for success
This related thread was started yesterday.
Maybe if you buy/sell a lot on FB Marketplace?
Next to landlord/renting-related disputes, as I took it out next to car insurance, I assume that is another class of cases where it could get applied - traffic-related disputes.
For 250 chf/year, I concluded it didn’t make sense to make any fuss about it.
As always, YMMV - if one sees no personal life domains where it could get handy (e.g. bulletproof relationship with the landlords or even owning a home, no active participation in traffic etc.), I assume that lower risk could be not worth insuring for them.
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I have the one from FRC : La protection juridique FRC globale – Fédération romande des consommateurs
It is the one from the Consumer Federation which is a guarantee of good behaviour, I hope. It costs 230.- including the membership thus you get their magazine which I personally appreciate.
I used to have the one from Generali and used it. I was glad to have it when I had to deal with a dishonest company doing work at home.
I want to revive this topic as I’m thinking about getting one. Protekta from Mobiliar or Dextra.
Any final conclusions on this whole thing?
For my part I stayed with Protekta as their price/service seem to me fair. I was told that Dextra would be the “better” legal insurance in town but of course costs more…
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I was considering taking Smile.Home.
I had 1 issue with my landlord last year and could have covered the lawyer cost. Same for my company when they tried to impose 3 forced holidays. A colleague had Groupe Mutuel to send a letter to state the law and it was enough for them to drop the request.
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I have one from TCS both for Car and for Home, I got it for a cheap price as a special offer last year but I really wonder if it makes sense to keep it.
This might be a little outdated but it was second-best back then.
Dextra won the test.
After reading the comments I’m not sure if anyone of those is actually good enough to justify the price.
I am my own lawyer 
A legal insurance make sense the day when you need it, otherwise is just throwing your money out of a window. Neverthless, some insurance like AXA won’t use their jurist or lawyer to go in court, they will use one of their legal firm provider to do it. In addition, I think that the premium is less expensive than Allianz, Protekta, and other legal insurance.
Just make sure to understand when and in which field your legal insurance can be used. For example, if you want to get divorced, none of them will cover you.
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As are all insurances, or? 
How would you know “in advance” when you might need it?
If a dispute already commences, it could be “too late” to get one, no?
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Of course
I supposed that every legal insurance describe their legal field where they will help you in case you have a problem.
Field that are in general cover are: circulation, employment, tenant & lease, travel, health insurance.
Of course, they won’t take in charge something that has already happened, like other insurance that don’t take care you teeths problems if you have some before signing with them.
In that case, you have to take a lawyer of to do it by yourself if you aren’t afraid to do it by yourself.
Our life situation changed drastically. We bought a new Tesla and an apartment. Which is why I’m again thinking about getting legal insurance. Protekta Comfort would be CHF 429 per year. Seems to cover everything.
Worth it? 
I’ve had legal insurance for more than 5 years now. My experience is that it depends largely on who you’re dealing with at the company whether or not they’re going to take on your case, and, more importantly, how much effort they’re willing to put into it. So my experience has been rather negative, it’s kind of an arbitrary treatment you receive.
Also, my impression is that employees are suffering from high case loads, so not much incentive to put too much energy into single cases.
I still very much like the idea of legal insurance due to potentially high legal costs, but the way it’s implemented by insurance companies is truly lacking. Actually, I’m probably going to cancel my insurance this year, unless a new legal insurance model emerges, truly serving customers. So thanks for bringing up the topic 
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My father, who was a lawyer, recommanded the TCS legal insurance for the quality of their services over the others.
My own experience with Dextra (took the policy through a friend, very unmustachian thing to do but it’s satisfactory enough for now) is that one should really consider it as an insurance, as in, they’ll help to try to mitigate the negative impact legal threats can have on you, but winning the actual case is only a concern if/when it is a required condition to meet the target above.
I consider it worth it if you can’t self-insure. I’d rather self-insure if I could and had some basic understanding of how the legal system works and what are the first steps involved if/when something bad occurs as that gives more leeway on how to handle the cases.
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