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Old 10.04.2015, 19:33
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More AXA Winterthur woes

I see others have also had their troubles with AXA.

As a greenhorn taking out my first contents insurance in 2001 I popped into the local insurance store, which happened to be AXA Winterthur, and took out insurance.

They did not explain that it was not possible to cancel the policy for 10 yrs, and frankly my difficulties in reading German are such that I wouldn't have been able to decifer the contract.

Mathematicians amongst you will no doubt point out it is now more than 10 yrs. later.

What they say they did was send me a letter in 2011 saying unless I disagreed to the policy continuing for another 10 yrs, within 30 days, it would come into force. i.e. I have a legally binding contract, which I didn't sign (I asked for a copy, and it is signed by someone else with the comment "Telephone conversation") and unable to cancel before 2021.

Although I had writen last Sept cancelling it, it was only after the 3rd letter from them threatening to take legal action that this became clear (and after already taking out insurance with another company)

They also refused to cancel it out of good will, even though I have never made a claim in all this time (or maybe thats why?)

For those who like me are somewhat deficient in the local language I would caution against signing any contract without first clarifying when and how you can cancel it.

In my case it is either die, or leave the country.....unless someone has another solution?

ChiBo
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Old 10.04.2015, 20:19
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Re: More AXA Winterthur woes

The price of the insurance is fixed for 10 years so it's a great deal, shame my car insurance was only price fixed for 5 years, 25 years would have suited me better

Amazing after 10 years you don't understand how things work in CH & even the most obvious simple things written in German. Policy expiry date 10 years on is hardly that difficult to work out.

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I see others have also had their troubles with AXA.

As a greenhorn taking out my first contents insurance in 2001 I popped into the local insurance store, which happened to be AXA Winterthur, and took out insurance.

They did not explain that it was not possible to cancel the policy for 10 yrs, and frankly my difficulties in reading German are such that I wouldn't have been able to decifer the contract.

Mathematicians amongst you will no doubt point out it is now more than 10 yrs. later.

What they say they did was send me a letter in 2011 saying unless I disagreed to the policy continuing for another 10 yrs, within 30 days, it would come into force. i.e. I have a legally binding contract, which I didn't sign (I asked for a copy, and it is signed by someone else with the comment "Telephone conversation") and unable to cancel before 2021.

Although I had writen last Sept cancelling it, it was only after the 3rd letter from them threatening to take legal action that this became clear (and after already taking out insurance with another company)

They also refused to cancel it out of good will, even though I have never made a claim in all this time (or maybe thats why?)

For those who like me are somewhat deficient in the local language I would caution against signing any contract without first clarifying when and how you can cancel it.

In my case it is either die, or leave the country.....unless someone has another solution?

ChiBo
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Old 10.04.2015, 20:49
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Re: More AXA Winterthur woes

Make a claim for whatever, irrespective if they pay or not, you can cancel the insurance withing 30 days normally
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Old 10.04.2015, 21:54
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Re: More AXA Winterthur woes

Most insurance companies have long term renewable policies, so you just have to be careful and make the right decision.
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Old 10.04.2015, 22:20
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Re: More AXA Winterthur woes

Easy to cancel a policy whatever the duration.. "sell" the car to someone else then swap it back to you after a week or 2
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Old 10.04.2015, 23:43
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Re: More AXA Winterthur woes

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Easy to cancel a policy whatever the duration.. "sell" the car to someone else then swap it back to you after a week or 2
Great solution! 10 years good or not is not important, the non availability of choice , and lack of tranparency (I'm sure the sales call was in Englixh) deserves such solutions.
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Old 10.04.2015, 23:54
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Re: More AXA Winterthur woes

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Great solution! 10 years good or not is not important, the non availability of choice , and lack of tranparency (I'm sure the sales call was in Englixh) deserves such solutions.
Choice is available...... stupid people who sign contracts they can't read is the problem here. The lowest price will probably be a multi year contract......for info getting clients is very expensive so no surprise there.
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Old 11.04.2015, 21:03
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Re: More AXA Winterthur woes

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Choice is available...... stupid people who sign contracts they can't read is the problem here. The lowest price will probably be a multi year contract......for info getting clients is very expensive so no surprise there.
Because you can't read German = You are stupid? Hmmm!

The first error was about expectations. In the UK we need to renew every year.

The second point is them claiming after 10 yrs to send a letter saying if it is not replied to in 30 days then the contract is renewed for another 10 yrs. How can they tell if it was received, or read, or understood? On the copy they sent me my signature is not present.

A 10 yr contract is not favourable. They can put it up (according to certain criteria) but you can't go to someone else more competitive.

This insurance is related to contents, not auto. Unlike a car, selling your residence, or moving to a new flat doesn't automatically cancel it. It goes with you within Switzerland.

Anyway Fatmanfilms, the point of this thread was to make others aware, and I thought the point of the forum was to help each other out. From your comment it doesnt appear to be a particular goal of yours.

ChriBo
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Old 12.04.2015, 00:56
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Re: More AXA Winterthur woes

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Because you can't read German = You are stupid? Hmmm!

The first error was about expectations. In the UK we need to renew every year.

The second point is them claiming after 10 yrs to send a letter saying if it is not replied to in 30 days then the contract is renewed for another 10 yrs. How can they tell if it was received, or read, or understood? On the copy they sent me my signature is not present.

A 10 yr contract is not favourable. They can put it up (according to certain criteria) but you can't go to someone else more competitive.

This insurance is related to contents, not auto. Unlike a car, selling your residence, or moving to a new flat doesn't automatically cancel it. It goes with you within Switzerland.

Anyway Fatmanfilms, the point of this thread was to make others aware, and I thought the point of the forum was to help each other out. From your comment it doesnt appear to be a particular goal of yours.

ChriBo
None of my 5 year or 10 year insurance contracts ever increased their price, the price was agreed for the full time of the contract.......

Well, my advise is don't ever sign anything you don't understand & agree to, anything else is asking for trouble.

I am sure you know everything auto renews in CH unless you cancels, why would a 10 year contract be any different ?
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Old 12.04.2015, 21:28
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Re: More AXA Winterthur woes

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Because you can't read German = You are stupid? Hmmm!

The first error was about expectations. In the UK we need to renew every year.

The second point is them claiming after 10 yrs to send a letter saying if it is not replied to in 30 days then the contract is renewed for another 10 yrs. How can they tell if it was received, or read, or understood? On the copy they sent me my signature is not present.

A 10 yr contract is not favourable. They can put it up (according to certain criteria) but you can't go to someone else more competitive.

This insurance is related to contents, not auto. Unlike a car, selling your residence, or moving to a new flat doesn't automatically cancel it. It goes with you within Switzerland.

Anyway Fatmanfilms, the point of this thread was to make others aware, and I thought the point of the forum was to help each other out. From your comment it doesnt appear to be a particular goal of yours.

ChriBo
As soon as anything changes, including premium or conditions, you can get out
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