Go Back   English Forum Switzerland > Help & tips > Insurance
Reply
 
Thread Tools Display Modes
  #1  
Old 20.07.2015, 21:46
Junior Member
 
Join Date: Apr 2015
Location: Marin
Posts: 64
Groaned at 3 Times in 2 Posts
Thanked 6 Times in 5 Posts
MoiToi has no particular reputation at present
Insurance company threats upon signup

Hello all

Three months ago I was browsing a website and then filled it's online form just as once I did for Assura. Assura sent me all that documents by post. I read all details of policy, signed and sent them back. Similar practice happened with few other companies in CH.

Keeping same thing in mind, I filled an online form of WeClub.ch, and requested additional help in form of company marketing pamflets etc. But to my surprise, without signing of any contract, they send me an invoice/bill of around 3100.- CHF as an annual premium. I emailed them, even spoke to CEO and explained how it all happened in mistake. But they said it's all over, you signed up, agreed to our terms bla bla and you have to pay now.

Upon receive two rappels (reminders) adding 60.- more, Today, I spoke to them again. I received an email from CEO threaning for judicial procedure if I don't pay the bills.

I don't know who is at fault? What I should do? Please advise.

(Sent from phone, excuse typo if any).
Reply With Quote
  #2  
Old 20.07.2015, 22:10
aSwissInTheUS's Avatar
Forum Legend
 
Join Date: Nov 2007
Location: Zurich area
Posts: 5,028
Groaned at 40 Times in 38 Posts
Thanked 7,070 Times in 3,215 Posts
aSwissInTheUS has a reputation beyond reputeaSwissInTheUS has a reputation beyond reputeaSwissInTheUS has a reputation beyond reputeaSwissInTheUS has a reputation beyond reputeaSwissInTheUS has a reputation beyond reputeaSwissInTheUS has a reputation beyond repute
Re: Insurance company threats upon signup

It is a contact form, which is on some pages also called an club entrance form

Or did you sign up for the income insurance?

Edit: Sorry have too many posts.
Important, make screenshots how the page looks like.
They say simulate not apply !!!

insurance-company-threats-upon-signup-simulez.jpgs

Last edited by aSwissInTheUS; 20.07.2015 at 22:26.
Reply With Quote
  #3  
Old 20.07.2015, 22:18
Junior Member
 
Join Date: Apr 2015
Location: Marin
Posts: 64
Groaned at 3 Times in 2 Posts
Thanked 6 Times in 5 Posts
MoiToi has no particular reputation at present
Re: Insurance company threats upon signup

Quote:
View Post
It is a contact form, which is on some pages also called an club entrance form

Or did you sign up for the income insurance?
Thank you for your reply.

Ironically, all signup pages were in French, I didn't get anything out of it keeping in mind that they will post all the forms to me for signatures. But it never happened. but I think it was insurance form, in which they asked for various salary (money) options.
Reply With Quote
  #4  
Old 20.07.2015, 22:29
3Wishes's Avatar
Moderately Amused
 
Join Date: Jul 2010
Location: Bern area
Posts: 6,522
Groaned at 43 Times in 39 Posts
Thanked 9,155 Times in 4,356 Posts
3Wishes has a reputation beyond repute3Wishes has a reputation beyond repute3Wishes has a reputation beyond repute3Wishes has a reputation beyond repute3Wishes has a reputation beyond repute3Wishes has a reputation beyond repute
Re: Insurance company threats upon signup

Quote:
View Post
...Ironically, all signup pages were in French, I didn't get anything out of it keeping in mind that they will post all the forms to me for signatures...
Go back to the website and read the Terms and Conditions carefully. Somewhere in the fine print there is probably a clause that says "I understand I am signing a contract" (well, whatever the equivalent phrase in French would be)
Reply With Quote
  #5  
Old 21.07.2015, 10:16
Junior Member
 
Join Date: Apr 2015
Location: Marin
Posts: 64
Groaned at 3 Times in 2 Posts
Thanked 6 Times in 5 Posts
MoiToi has no particular reputation at present
Re: Insurance company threats upon signup

Hi
3wishes: you are right, there must be such clause. So that means if someone signed up and later on realized that it's not good fit for him, he is going to be forced to stay with it? How a company can do that when client is accepting his mistake. Company can't drag an unhappy and unwilling client for years long.
Reply With Quote
  #6  
Old 21.07.2015, 10:30
dodgyken's Avatar
Forum Legend
 
Join Date: Apr 2010
Location: Democratic Republic Kenistan
Posts: 9,783
Groaned at 340 Times in 276 Posts
Thanked 17,381 Times in 6,645 Posts
dodgyken has a reputation beyond reputedodgyken has a reputation beyond reputedodgyken has a reputation beyond reputedodgyken has a reputation beyond reputedodgyken has a reputation beyond reputedodgyken has a reputation beyond repute
Re: Insurance company threats upon signup

Quote:
View Post
Thank you for your reply.

Ironically, all signup pages were in French
Quote:
View Post
I don't know who is at fault? What I should do? Please advise.
Your fault!

I would suggest you learn French - and stay away from the internet!
Reply With Quote
This user would like to thank dodgyken for this useful post:
  #7  
Old 21.07.2015, 10:40
Junior Member
 
Join Date: Apr 2015
Location: Marin
Posts: 64
Groaned at 3 Times in 2 Posts
Thanked 6 Times in 5 Posts
MoiToi has no particular reputation at present
Re: Insurance company threats upon signup

Quote:
View Post
Your fault!

I would suggest you learn French - and stay away from the internet!
lol, "Je suis apprendre le Franšais"

Please suggest something to get out of it. What if company send this case to pursuit office.
Reply With Quote
  #8  
Old 21.07.2015, 10:50
st2lemans's Avatar
Forum Legend
 
Join Date: Dec 2010
Location: Lugano
Posts: 18,074
Groaned at 924 Times in 720 Posts
Thanked 19,596 Times in 9,432 Posts
st2lemans has a reputation beyond reputest2lemans has a reputation beyond reputest2lemans has a reputation beyond reputest2lemans has a reputation beyond reputest2lemans has a reputation beyond reputest2lemans has a reputation beyond repute
Re: Insurance company threats upon signup

What company?

Which insurance?

Tom
Reply With Quote
  #9  
Old 21.07.2015, 10:57
Junior Member
 
Join Date: Apr 2015
Location: Marin
Posts: 64
Groaned at 3 Times in 2 Posts
Thanked 6 Times in 5 Posts
MoiToi has no particular reputation at present
Re: Insurance company threats upon signup

Quote:
View Post
What company?

Which insurance?

Tom

Thanks.
It's weclub.ch and insurance name is :Protection du niveau de vie. I believe it's sort of insurance that covers you during unemployment.
Reply With Quote
  #10  
Old 21.07.2015, 11:02
st2lemans's Avatar
Forum Legend
 
Join Date: Dec 2010
Location: Lugano
Posts: 18,074
Groaned at 924 Times in 720 Posts
Thanked 19,596 Times in 9,432 Posts
st2lemans has a reputation beyond reputest2lemans has a reputation beyond reputest2lemans has a reputation beyond reputest2lemans has a reputation beyond reputest2lemans has a reputation beyond reputest2lemans has a reputation beyond repute
Re: Insurance company threats upon signup

So, you signed up for an insurance that you don't even know what for???

By the looks of it, you signed up for 12 month protection at CHF 3k/month, so you must be making over 120k!

Tom
Reply With Quote
This user would like to thank st2lemans for this useful post:
  #11  
Old 21.07.2015, 11:06
dodgyken's Avatar
Forum Legend
 
Join Date: Apr 2010
Location: Democratic Republic Kenistan
Posts: 9,783
Groaned at 340 Times in 276 Posts
Thanked 17,381 Times in 6,645 Posts
dodgyken has a reputation beyond reputedodgyken has a reputation beyond reputedodgyken has a reputation beyond reputedodgyken has a reputation beyond reputedodgyken has a reputation beyond reputedodgyken has a reputation beyond repute
Re: Insurance company threats upon signup

Quote:
View Post
So, you signed up for an insurance that you don't even know what for???

By the looks of it, you signed up for 12 month protection at CHF 3k/month, so you must be making over 120k!

Tom
Don't be hard on the OP. I blame the carers, they shouldn't have allowed them to graduate from crayons so soon.
Reply With Quote
The following 2 users would like to thank dodgyken for this useful post:
  #12  
Old 21.07.2015, 11:11
Forum Veteran
 
Join Date: Dec 2012
Location: Aargau
Posts: 1,559
Groaned at 12 Times in 11 Posts
Thanked 1,809 Times in 880 Posts
Mullhollander has a reputation beyond reputeMullhollander has a reputation beyond reputeMullhollander has a reputation beyond reputeMullhollander has a reputation beyond repute
Re: Insurance company threats upon signup

You might wish to review the FAQs at the Federal Consumer Affairs Bureau website:

https://www.konsum.admin.ch/en/faq/

FAQ #1 seems applicable to your situation:

"1. When can I contest a contract?
Articles 23 and 24 CO regulate the case of contracts concluded in error. They provide that a party who makes a serious mistake as to the circumstances when entering into a contract is not bound by that contract. The error must be substantial, i.e. so serious that if the party in error had known the true situation, they would not have signed the contract. It is advisable to inform the other party in writing that the signed contract is considered invalid on the grounds of a substantial error."

One last thing:
http://www.giyf.com/
Reply With Quote
The following 5 users would like to thank Mullhollander for this useful post:
  #13  
Old 21.07.2015, 11:11
Junior Member
 
Join Date: Apr 2015
Location: Marin
Posts: 64
Groaned at 3 Times in 2 Posts
Thanked 6 Times in 5 Posts
MoiToi has no particular reputation at present
Re: Insurance company threats upon signup

Quote:
View Post
So, you signed up for an insurance that you don't even know what for???

By the looks of it, you signed up for 12 month protection at CHF 3k/month, so you must be making over 120k!

Tom
Yes dear. I have had an experience with Assura and few other Swiss companies; after initial web sign up, they sent me docs by post. After completely reading that, I did sign for few and apologized others. Keeping same thing in mind, I filled the form on WeClub. And I also requested further documentation/ help literature in English. Ironically I recieved nothing like this but the bills to pay.
Reply With Quote
This user would like to thank MoiToi for this useful post:
  #14  
Old 21.07.2015, 11:12
Forum Veteran
 
Join Date: Dec 2014
Location: Geneva
Posts: 1,044
Groaned at 15 Times in 12 Posts
Thanked 1,218 Times in 542 Posts
neddy has an excellent reputationneddy has an excellent reputationneddy has an excellent reputationneddy has an excellent reputation
Re: Insurance company threats upon signup

https://www.ch.ch/en/ombudsman-service/
http://www.ombudsman-assurance.ch/ty...dex.php?id=165
Reply With Quote
  #15  
Old 21.07.2015, 11:20
dodgyken's Avatar
Forum Legend
 
Join Date: Apr 2010
Location: Democratic Republic Kenistan
Posts: 9,783
Groaned at 340 Times in 276 Posts
Thanked 17,381 Times in 6,645 Posts
dodgyken has a reputation beyond reputedodgyken has a reputation beyond reputedodgyken has a reputation beyond reputedodgyken has a reputation beyond reputedodgyken has a reputation beyond reputedodgyken has a reputation beyond repute
Re: Insurance company threats upon signup

1) Are you sure that is the monthly cost? And not an annual charge to be a member of WeClub.ch?

2) Are you aware of the vast array of different discounts that WeClub.ch offers to its members? Hotels, Restaurants, accountants etc.

Good luck trying to get away without paying the contract you signed.
Reply With Quote
  #16  
Old 21.07.2015, 11:39
st2lemans's Avatar
Forum Legend
 
Join Date: Dec 2010
Location: Lugano
Posts: 18,074
Groaned at 924 Times in 720 Posts
Thanked 19,596 Times in 9,432 Posts
st2lemans has a reputation beyond reputest2lemans has a reputation beyond reputest2lemans has a reputation beyond reputest2lemans has a reputation beyond reputest2lemans has a reputation beyond reputest2lemans has a reputation beyond repute
Re: Insurance company threats upon signup

Quote:
View Post
1) Are you sure that is the monthly cost? And not an annual charge to be a member of WeClub.ch?
Looking at their prices, it's annual.

Still quite a bit, unless you expect to be fired within a few years (break-even is around 10).

Tom
Reply With Quote
  #17  
Old 21.07.2015, 13:28
Forum Legend
 
Join Date: Oct 2014
Location: Ostschweiz
Posts: 3,020
Groaned at 99 Times in 79 Posts
Thanked 3,744 Times in 1,935 Posts
Urs Max has a reputation beyond reputeUrs Max has a reputation beyond reputeUrs Max has a reputation beyond reputeUrs Max has a reputation beyond reputeUrs Max has a reputation beyond reputeUrs Max has a reputation beyond repute
Re: Insurance company threats upon signup

From the attached screenshot, presumably it's the last form:

"Yes, I want to conclude an insurance contract online, and acknowledge the T&C. Insurance company is Helvetia."


An expensive lesson, should you not manage to get away somehow. Chances are you'll not again click before having read what you actually confirm. Perhaps you may get out because there is (until that screen) no clear overview of the consequences of acknowledging, i.e. how much you'll have to pay a month or a year. Plus, I think the simple referrer to T&C may no longer suffice if they contain serious disadvantages for the customer.
Attached Thumbnails
insurance-company-threats-upon-signup-untitled.jpg  

Last edited by Urs Max; 21.07.2015 at 13:40.
Reply With Quote
The following 3 users would like to thank Urs Max for this useful post:
  #18  
Old 23.07.2015, 02:05
Junior Member
 
Join Date: Apr 2015
Location: Marin
Posts: 64
Groaned at 3 Times in 2 Posts
Thanked 6 Times in 5 Posts
MoiToi has no particular reputation at present
Re: Insurance company threats upon signup

Quote:
View Post
You might wish to review the FAQs at the Federal Consumer Affairs Bureau website:

https://www.konsum.admin.ch/en/faq/

FAQ #1 seems applicable to your situation:

"1. When can I contest a contract?
Articles 23 and 24 CO regulate the case of contracts concluded in error. They provide that a party who makes a serious mistake as to the circumstances when entering into a contract is not bound by that contract. The error must be substantial, i.e. so serious that if the party in error had known the true situation, they would not have signed the contract. It is advisable to inform the other party in writing that the signed contract is considered invalid on the grounds of a substantial error."
This seems to be a strong point to defend myself if they raise a pursuit against me. But how i can proceed using this info? Should i consult this issue in advance with my canton office du pursuit or wait for the insurance company to make a move?
thanks
Reply With Quote
  #19  
Old 23.07.2015, 08:44
st2lemans's Avatar
Forum Legend
 
Join Date: Dec 2010
Location: Lugano
Posts: 18,074
Groaned at 924 Times in 720 Posts
Thanked 19,596 Times in 9,432 Posts
st2lemans has a reputation beyond reputest2lemans has a reputation beyond reputest2lemans has a reputation beyond reputest2lemans has a reputation beyond reputest2lemans has a reputation beyond reputest2lemans has a reputation beyond repute
Re: Insurance company threats upon signup

Quote:
View Post
From the attached screenshot, presumably it's the last form:

"Yes, I want to conclude an insurance contract online, and acknowledge the T&C. Insurance company is Helvetia."


An expensive lesson, should you not manage to get away somehow. Chances are you'll not again click before having read what you actually confirm. Perhaps you may get out because there is (until that screen) no clear overview of the consequences of acknowledging, i.e. how much you'll have to pay a month or a year. Plus, I think the simple referrer to T&C may no longer suffice if they contain serious disadvantages for the customer.
Next time, use a fake name, just in case.

Tom
Reply With Quote
This user would like to thank st2lemans for this useful post:
  #20  
Old 23.07.2015, 09:20
Forum Legend
 
Join Date: Oct 2014
Location: Ostschweiz
Posts: 3,020
Groaned at 99 Times in 79 Posts
Thanked 3,744 Times in 1,935 Posts
Urs Max has a reputation beyond reputeUrs Max has a reputation beyond reputeUrs Max has a reputation beyond reputeUrs Max has a reputation beyond reputeUrs Max has a reputation beyond reputeUrs Max has a reputation beyond repute
Re: Insurance company threats upon signup

Quote:
View Post
Next time, use a fake name, just in case.

Tom
LOL, of course I did. I'm not stupid enough to provide real personal details or an often-used mail address just to try a (perhaps dubious) online form.
Reply With Quote
This user would like to thank Urs Max for this useful post:
Reply

Tags
horrible experience, weclub nightmare




Currently Active Users Viewing This Thread: 1 (0 members and 1 guests)
 
Thread Tools
Display Modes

Posting Rules
You may not post new threads
You may not post replies
You may not post attachments
You may not edit your posts

BB code is On
Smilies are On
[IMG] code is On
HTML code is Off
Trackbacks are Off
Pingbacks are Off
Refbacks are Off


Similar Threads
Thread Thread Starter Forum Replies Last Post
single company insurance, photographer isbjorn Insurance 1 10.07.2014 17:53
Supplementary insurance when changing insurance company minimimi Insurance 3 10.04.2013 12:07
Insurance required upon immigration? brickhouse581 Insurance 1 03.08.2011 14:17
Company Health Insurance LordNacho Insurance 2 29.01.2011 00:41
which insurance company (in Lausanne) is good for baby's basic insurance? lausanne_skirt Insurance 5 02.12.2010 17:28


All times are GMT +2. The time now is 14:23.


Powered by vBulletin® Version 3.8.4
Copyright ©2000 - 2016, Jelsoft Enterprises Ltd.
LinkBacks Enabled by vBSEO 3.1.0