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Old 13.02.2020, 02:29
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Re: changing car insurance before contract expiry?

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There are 4 ways I can think of off the top of my head:

1. if you have a break clause in the contract. Some e.g. 5-year contracts allow you to cancel annually.

2. if the premium increases (which it never does, as they know you can cancel then)

3. if the car changes hands. Assuming the policy is in only one of your names, you can "sell" (re-register) the car to your other half, which would trigger the end of the policy. You need to balance this against whether having an extra owner on the car's history will affect its value (doesn't seem to be as much of an issue in CH as in the UK for instance)

4. change your car. Are you really intending to keep the same car for 10 years? If not, that's a trigger point
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5. Behave so bad in traffic that the insurer cancels your contract (not the best way to save money though)
6. Have an accident. It's counter-intuitive, but the insurer paying out on an accident is another trigger point. (It would need to be a genuine accident; or a genuine claim, at least. A faked accident would definitely be fraud.)