Updated September 29, 2026 · AssureCue Editorial Team
Dextra Rechtsschutz vs Legalec
Where Dextra Rechtsschutz and Legalec differ
| Compare |  Dextra Rechtsschutz |  Legalec |
|---|---|---|
| Premium from | CHF 264 | €37.81 |
| Provider type | Insurer | Broker |
| Monthly payments | No | YesHas it |
| Excess from | CHF 0 | €0 |
| Cover limit | CHF 600000 per case | Not confirmed |
| Claims channels | Online | Not confirmed |
Same on both: Insurance types (Legal expenses).
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Key differences
- Dextra Rechtsschutz scores higher overall: 9.0 vs 8.8.
- Monthly payments: only Legalec.
- Support channels: only Dextra Rechtsschutz offers Help centre.
Our verdict on each
Dextra Rechtsschutz
Dextra Rechtsschutz suits Swiss residents who want dedicated legal expenses cover from a specialist insurer with cover up to CHF 600000 per case per case. Premiums start at CHF 264 with free excess shown as CHF 0, while annual billing suits those happy to pay yearly.
Legalec
Legalec suits readers seeking dedicated legal expenses cover arranged by a broker with monthly billing and direct contact by phone and email. Premiums are listed as €37.81 with excess listed as €0, which frames the trade off between predictable billing and higher entry pricing.
Score breakdown
| Area | Dextra Rechtsschutz | Legalec |
|---|---|---|
| Cost | 8.6Entry premiums start at CHF 264 with excess shown as CHF 0. | 9.0HigherPremiums listed as €37.81 with excess listed as €0 shaping entry affordability. |
| Offer | 8.5HigherDedicated focus stays on legal expenses with cover up to CHF 600000 per case. | 8.3Specialist scope recorded as legal expenses with billing model based on monthly. |
| Trust | 9.6HigherDirect insurer structure under Dextra Rechtsschutz AG based in CH. | 8.8Broker setup recorded as broker with support through email and phone. |
Which one suits you
Pick Dextra Rechtsschutz if trust matter most.
Pick Legalec if cost and monthly payments matter most.
Where these facts come from
Dextra Rechtsschutz
- dextra.ch: 10 facts, checked September 29, 2026
Legalec
- legalec.nl: 9 facts, checked September 29, 2026
How they place
| Ranking | Dextra Rechtsschutz | Legalec |
|---|---|---|
| Legal expenses insurance | 6 of 9 | 3 of 9 |
Every fact side by side
| Fact | Dextra Rechtsschutz | Legalec |
|---|---|---|
| Pricing model | Not confirmed | Monthly |
| Legal entity | Dextra Rechtsschutz AG | Legalec B.V. |
| Headquarters | Switzerland | Netherlands |
| Support channels | Phone, Email, Help centreCovers more | Email, Phone |
Business insurance
| Fact | Dextra Rechtsschutz | Legalec |
|---|---|---|
| Indemnity limit | CHF 600,000 to CHF 1,300,000 | Not confirmed |
| Industries | SMEs, municipalities, medical practices, hospitality | Not confirmed |
Pros and cons
Dextra Rechtsschutz
Pros
- Cover reaches CHF 600000 per case, giving you substantial room for lawyer and court costs per case.
- Excess is shown as CHF 0, so cover can respond without an upfront payment from you.
- Direct insurer model under Dextra Rechtsschutz AG keeps underwriting and claims with Dextra Rechtsschutz AG.
Cons
- Monthly payments are unavailable, so you need to plan around annual billing rather than spreading costs.
- Cover stays focused on legal expenses, which limits you if you want home or motor cover in the same place.
- Claims run through online only, which may feel narrow if you prefer phone led claims handling.
Legalec
Pros
- Dedicated legal expenses focus through legal expenses for readers seeking specialist cover rather than a general bundle.
- Monthly payments are offered, with billing model based on monthly, allowing you to spread costs across billing periods.
- Excess listed as €0 and described as free, which helps keep claim costs predictable when cover responds.
Cons
- Premiums are listed as €37.81, which sits above KS Auxilia levels at €5.04 for cost sensitive readers.
- Cover stays centred on legal expenses, while Esure spreads across auto, home and renters for broader needs.
- Support runs on email and phone only, which limits choice for readers expecting chat based service.
Who each suits
Dextra Rechtsschutz
Who it suits
- Swiss households who want legal disputes covered up to CHF 600000 per case without an upfront excess shown as CHF 0.
- Small organisations among SMEs, municipalities, medical practices, hospitality seeking business indemnity shown as CHF 600,000 to CHF 1,300,000.
- Buyers who prefer a direct insurer in CH under Dextra Rechtsschutz AG with phone and email support.
Who should look elsewhere
- Choose Esure if you want car, home and travel cover in the same place, since Dextra Rechtsschutz stays focused on legal expenses.
- Pick KS Auxilia if lower entry premiums matter more to you, as its lead premium is €5.04 versus CHF 264 here.
Legalec
Who it suits
- Readers seeking dedicated legal expenses focus rather than Esure mixed bundle across auto, home and renters.
- Readers preferring broker arranged cover with monthly payments rather than Dextra Rechtsschutz pricing listed as CHF 264.
- Readers valuing free entry excess listed as €0 over KS Auxilia lower premium entry at €5.04.
Who should look elsewhere
- Readers seeking lower entry premiums may prefer KS Auxilia with premiums at €5.04 rather than premiums at €37.81.
- Readers seeking broad multi product cover may prefer Esure with scope across auto, home and renters rather than specialist legal expenses focus.
Country by country
| Country | Dextra Rechtsschutz | Legalec |
|---|---|---|
| Netherlands | No | Yes |
| Switzerland | Yes | No |
Questions about each
Dextra Rechtsschutz
How much does Dextra Rechtsschutz cost?+
Premiums start at CHF 264 for legal expenses cover. Your actual quote will reflect household size, chosen modules and cover options. You should compare the entry premium with the per case limit to judge value for your likely legal costs.
What is the cover limit per case?+
Cover reaches CHF 600000 per case per case for private legal expenses. That structure helps you match potential lawyer and court costs to a clear ceiling. You should check policy terms for any sub limits that apply to particular dispute areas.
Legalec
How much does Legalec charge to start cover?+
Premiums are listed as €37.81 for Legalec legal expenses cover. The amount reflects entry pricing for broker arranged cover and may vary with chosen options and personal circumstances. Check the quoted premium before arranging cover to confirm what applies to your situation.
Does Legalec require an excess on claims?+
Excess is listed as €0, described as free at entry level. That structure helps keep claim costs predictable because there is no additional excess payment to meet when cover responds. Always review policy terms to confirm how excess applies across included sections.