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  #81  
Old 06.07.2015, 08:59
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Re: Overpaid car insurance - need legal advice

No, plain idiotic. Because it fails to take into account that any reasonable business will think of the potential future business lost from an unhappy customer. (I certainly won't mention how much that is). You don't need to thank me for that one.
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  #82  
Old 06.07.2015, 09:08
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Re: Overpaid car insurance - need legal advice

And also because it thinks (or claims it thinks) it is good for the society when individuals to pay or overpay for non-existing services, and then it is really bad when they act on a forum like perhaps they should or could get some money back.
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  #83  
Old 06.07.2015, 10:04
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Re: Overpaid car insurance - need legal advice

Have you talked to them yet???
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  #84  
Old 06.07.2015, 10:22
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Re: Overpaid car insurance - need legal advice

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No, plain idiotic. Because it fails to take into account that any reasonable business will think of the potential future business lost from an unhappy customer. (I certainly won't mention how much that is). You don't need to thank me for that one.

Insurance companies should only interested in profitable business, far better to loose some premium income than charge too little. & pay out more in claims.
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Old 06.07.2015, 11:49
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Re: Overpaid car insurance - need legal advice

Why is this thread still alive??
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  #86  
Old 06.07.2015, 13:29
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Re: Overpaid car insurance - need legal advice

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And also because it thinks (or claims it thinks) it is good for the society when individuals to pay or overpay for non-existing services, and then it is really bad when they act on a forum like perhaps they should or could get some money back.
Then you should have done something about it then WHEN THE CHANGE TOOK PLACE. Bleating about it years later, or trying to say it's someone else fault (even slightly) does not paint you in a very good light... well not to any reasonable person.
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  #87  
Old 06.07.2015, 14:57
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Re: Overpaid car insurance - need legal advice

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Why is this thread still alive??

Because ZurichLake hasn't got the balls to ring up the insurance company and politely ask whether he can have a refund or not !
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  #88  
Old 06.07.2015, 23:37
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Re: Overpaid car insurance - need legal advice

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Then you should have done something about it then WHEN THE CHANGE TOOK PLACE. Bleating about it years later, or trying to say it's someone else fault (even slightly) does not paint you in a very good light... well not to any reasonable person.
Mr Papa Goose, I don't know why you're still on this thread and rehashing the same stuff ad nauseam. I also don't completely understand people "thanking" you for your post, or similar posts. What is still not clear here? I did not notify my insurance company that I am the owner of the car at the time you say I should have and just because of that, after overpaying thousands of francs for no good reason I really shouldn't mention it neither to the insurance company, nor to this forum, or esteemed veterans like you, correct? You don't like my thread, just walk away, ignore it, what's the problem. Groaning at every single post of mine doesn't make you look "reasonable" at all.

Concerning the question on where we stand, I will not post updates on every single step. If there is a good outcome, or anything interesting to share, I will notify you. Thanks for the support and help of several of you, you know who you are.
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  #89  
Old 07.07.2015, 11:14
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Re: Overpaid car insurance - need legal advice

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...after overpaying thousands of francs for no good reason...
You seriously overpaid thousands of francs without even realizing it earlier? Do you drive a McLaren P1 or so?
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  #90  
Old 07.07.2015, 11:24
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Re: Overpaid car insurance - need legal advice

Cumulative, donpiedro, cumulative , read my original post.
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  #91  
Old 07.07.2015, 11:31
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Re: Overpaid car insurance - need legal advice

Long live the insurance companies!
Hopefully I can beef up my stats now.
  #92  
Old 07.07.2015, 14:50
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Re: Overpaid car insurance - need legal advice

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I also don't completely understand people "thanking" you for your post, or similar posts.
It generally means that those thanking him agree with him.

You're welcome.
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  #93  
Old 07.07.2015, 20:55
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Re: Overpaid car insurance - need legal advice

While in fact, it should be used to thank someone for the good advice provided. Like if I ask a question, someone provides a good answer and I thank them for that. That's what thank you was meant to mean. And that's what I meant with my question.
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Old 07.07.2015, 22:54
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Re: Overpaid car insurance - need legal advice

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While in fact, it should be used to thank someone for the good advice provided.
Well, thanks for clearing that up, professor!
  #95  
Old 07.07.2015, 23:17
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Re: Overpaid car insurance - need legal advice

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Why is this thread still alive??
To repeat donpiedro: why is this thread still alive?

  #96  
Old 08.07.2015, 00:03
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Re: Overpaid car insurance - need legal advice

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No, plain idiotic. Because it fails to take into account that any reasonable business will think of the potential future business lost from an unhappy customer. (I certainly won't mention how much that is). You don't need to thank me for that one.

Repeat business is very low on the insurance's priority list.
Esp. as they know you're just another expat, here today, gone tomorrow.
Who cares if you're unhappy?
You contributed nicely to their bottom line.

They should have sent you a calendar or a pocket knife for Christmas all those years, though.
;-)


As has been said: legal advice is extremely expensive here.
And as there are no punitive damages, unless you have legal insurance (and the insurance has agreed to pay for your case), don't even think about calling a lawyer unless it involves criminal charges.

I'm not sure if the insurance will compensate for your "losses".
At least not on a larger scale.
People just want you to gain a realistic outlook on the likely outcome.
It's easy to get worked up over something like this - but in Switzerland, however worked-up you are about something doesn't matter. Nobody cares.
You will just have the equivalent of "fool" written over your file (or maybe it's a checkbox in an electronic form these days) and they'll
a) put any future claims you make under the microscope
b) don't be very forthcoming on anything else either (because they don't have to)
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  #97  
Old 08.07.2015, 11:26
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Re: Overpaid car insurance - need legal advice

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Repeat business is very low on the insurance's priority list.
Esp. as they know you're just another expat, here today, gone tomorrow.
Who cares if you're unhappy?
You contributed nicely to their bottom line.

They should have sent you a calendar or a pocket knife for Christmas all those years, though.
;-)


As has been said: legal advice is extremely expensive here.
And as there are no punitive damages, unless you have legal insurance (and the insurance has agreed to pay for your case), don't even think about calling a lawyer unless it involves criminal charges.

I'm not sure if the insurance will compensate for your "losses".
At least not on a larger scale.
People just want you to gain a realistic outlook on the likely outcome.
It's easy to get worked up over something like this - but in Switzerland, however worked-up you are about something doesn't matter. Nobody cares.
You will just have the equivalent of "fool" written over your file (or maybe it's a checkbox in an electronic form these days) and they'll
a) put any future claims you make under the microscope
b) don't be very forthcoming on anything else either (because they don't have to)
Thank you for your post. Quite comprehensive, as they say.

Tell me more about the last part, please. In which case do you think I will have something written all over my file (and also, fool not being the same as ar...ole), and based on what do you think or know this?

It was never my intension to sue anyone, knowing it is complicated, costly etc. My intention was to arm myself with basic knowledge on what I could claim to the company based on legal aspects, as well as on practice cases. Similar to what the tenants association provides.
I did write at some point I will sue them and pay myself a nice vacation, but what I really meant is, I will get money from them. I just got worked up by some posts telling me I have no business thinking the company might pay me anything back. Which, as I know now (follow this space, as they say), and always thought, is not correct.
  #98  
Old 08.07.2015, 11:45
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Re: Overpaid car insurance - need legal advice

Have you spoken with the insurance company yet?
  #99  
Old 08.07.2015, 11:48
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Re: Overpaid car insurance - need legal advice

Yes.
Still talking to them, it takes them a while to come back. Will update when there's something more concrete.
  #100  
Old 08.07.2015, 17:53
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Re: Overpaid car insurance - need legal advice

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Which, as I know now (follow this space, as they say), and always thought, is not correct.
Ok... so what is the basis for this then, as other than an element of goodwill from the insurer, I'm looking for a leg you can stand on? I spoke with a guy from Zürich when I let them know of my vehicle change, and he had a urinary accident when I told him about this. After he finished laughing he said... well... most folks can guess what he said.
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