Go Back   English Forum Switzerland > Help & tips > Insurance  
Reply
 
Thread Tools Display Modes
  #1  
Old 07.06.2020, 12:26
Newbie
 
Join Date: Jun 2020
Location: Zurich
Posts: 4
Groaned at 0 Times in 0 Posts
Thanked 5 Times in 2 Posts
Trevilsy has no particular reputation at present
Car Insurance - Selected wrong nationality

Hi everyone!

I'm new on this forum, as a member, but was reading for couple of months.

I'm in the process of buying car, to accomplish that I need to have insurance.
Unfortunately I did mistake when buying insurance during the middle of night from company X (full comp), I selected Switzerland as nationality (default field), while I am not. Of course when I select my nationality, price increases.

Unfortunately documents were sent to Road Traffic Office... I didn't pay for the policy, just completed all of the fields, plus clicked "buy". The website stated everything went good, proof of insurance has been sent, plus I had summary and mentioned proof available for download.
I sent already email to company X stating I would like to cancel policy due to the mistake.

I would like to proceed and buy insurance from company Y and have the car registered. My greatest concern is to not end up with two insurance policies for the same car.

Do the company X has any right to change nationality, calculate premium again and force me to pay?

As far as I know, if I go to registration office (Road Traffic) and they have in the system two policies for the car available, I just tell them which I prefer and the one left unselected is gone. Am I right here?

Thank you in advance for your replies!
Reply With Quote
  #2  
Old 07.06.2020, 12:44
st2lemans's Avatar
Forum Legend
 
Join Date: Dec 2010
Location: Lugano
Posts: 29,001
Groaned at 1,989 Times in 1,506 Posts
Thanked 34,446 Times in 16,380 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: Car Insurance - Selected wrong nationality

Quote:
View Post
Do the company X has any right to change nationality, calculate premium again and force me to pay?
Yes.

Quote:
View Post
As far as I know, if I go to registration office (Road Traffic) and they have in the system two policies for the car available, I just tell them which I prefer and the one left unselected is gone. Am I right here?
No.

Tom
Reply With Quote
The following 4 users would like to thank st2lemans for this useful post:
  #3  
Old 07.06.2020, 12:46
Forum Veteran
 
Join Date: Nov 2011
Location: Mies
Posts: 860
Groaned at 13 Times in 9 Posts
Thanked 624 Times in 358 Posts
catandmouse is considered knowledgeablecatandmouse is considered knowledgeablecatandmouse is considered knowledgeable
Re: Car Insurance - Selected wrong nationality

You made a mistake when filling in the form for company X. You have in my opinion contracted an insurance with that company, though with a false declaration. I suspect if you try and pull out now, they will throw the big guns at you, so you need to explain the situation to them and they will probably just recalculate the premium. It's extremely unlikely that will do any more than that if you correct the situation quickly. If you do nothing, like not paying premiums, you'll make the situation worse, as you'll end up on a black list shared amongst the insurers.
Reply With Quote
This user would like to thank catandmouse for this useful post:
  #4  
Old 07.06.2020, 13:04
aSwissInTheUS's Avatar
Forum Legend
 
Join Date: Nov 2007
Location: Zurich area
Posts: 12,050
Groaned at 90 Times in 81 Posts
Thanked 18,347 Times in 8,154 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: Car Insurance - Selected wrong nationality

I think the application becomes void after 30 days of not registering a car.
Reply With Quote
  #5  
Old 07.06.2020, 13:15
curley's Avatar
Forum Legend
 
Join Date: Oct 2006
Location: canton ZH
Posts: 11,370
Groaned at 183 Times in 151 Posts
Thanked 12,753 Times in 6,677 Posts
curley has a reputation beyond reputecurley has a reputation beyond reputecurley has a reputation beyond reputecurley has a reputation beyond reputecurley has a reputation beyond reputecurley has a reputation beyond repute
Re: Car Insurance - Selected wrong nationality

Quote:
View Post
I think the application becomes void after 30 days of not registering a car.
And for once, aSITUS does not provide a link. There are different reasons to worry about someone - with aSITUS it would be a missing link. So, are you okay?

Still, your answer seems correct.
OP check <<Kann ich von meinem Versicherungsantrag noch zurücktreten?>> on this link.
Reply With Quote
The following 2 users would like to thank curley for this useful post:
  #6  
Old 07.06.2020, 13:20
Guest
 
Posts: n/a
Re: Car Insurance - Selected wrong nationality

Quote:
View Post
Hi everyone!

I'm new on this forum, as a member, but was reading for couple of months.

I'm in the process of buying car, to accomplish that I need to have insurance.
Unfortunately I did mistake when buying insurance during the middle of night from company X (full comp), I selected Switzerland as nationality (default field), while I am not. Of course when I select my nationality, price increases.

Unfortunately documents were sent to Road Traffic Office... I didn't pay for the policy, just completed all of the fields, plus clicked "buy". The website stated everything went good, proof of insurance has been sent, plus I had summary and mentioned proof available for download.
I sent already email to company X stating I would like to cancel policy due to the mistake.

I would like to proceed and buy insurance from company Y and have the car registered. My greatest concern is to not end up with two insurance policies for the same car.

Do the company X has any right to change nationality, calculate premium again and force me to pay?

As far as I know, if I go to registration office (Road Traffic) and they have in the system two policies for the car available, I just tell them which I prefer and the one left unselected is gone. Am I right here?

Thank you in advance for your replies!

You are only in the process of purchasing the car?. What is the insurance start date? If it is in the past then, at best, the insurance company would pro-rata from that date until cancellation date and then likely charge an admin cancellation fee for their inconvenience.

You need to check the insurance terms and conditions and then speak with the insurance company as to the contract with them.
Reply With Quote
  #7  
Old 07.06.2020, 13:32
Newbie
 
Join Date: Jun 2020
Location: Zurich
Posts: 4
Groaned at 0 Times in 0 Posts
Thanked 5 Times in 2 Posts
Trevilsy has no particular reputation at present
Re: Car Insurance - Selected wrong nationality

Quote:
View Post
You are only in the process of purchasing the car?. What is the insurance start date? If it is in the past then, at best, the insurance company would pro-rata from that date until cancellation date and then likely charge an admin cancellation fee for their inconvenience.

You need to check the insurance terms and conditions and then speak with the insurance company as to the contract with them.
Yes, so I paid 20% of the car price already, dealer will handle registration once insurance is available. The insurance start date is 08.06.2020, so tomorrow.

Thank you all for the replies. I sent email to company already explaining the situation and asking for possibility of cancellation, I expect reply tomorrow.
Reply With Quote
  #8  
Old 07.06.2020, 13:44
Guest
 
Posts: n/a
Re: Car Insurance - Selected wrong nationality

Quote:
View Post
Yes, so I paid 20% of the car price already, dealer will handle registration once insurance is available. The insurance start date is 08.06.2020, so tomorrow.

Thank you all for the replies. I sent email to company already explaining the situation and asking for possibility of cancellation, I expect reply tomorrow.

Then the insurance will start at 12.01 on Monday morning which means that it will already have become an active insurance. It might be better to have company X amend your nationality details, accept your error so there is nothing to delay your purchase of the car and cancel that policy in a year. (but check the cancel terms). It is unlikely the insurers will cancel the policy without cost and will that then wipe out the savings from buying cheaper from company Y.
Don't wait for an email reply, pick up the phone and speak with someone
Reply With Quote
  #9  
Old 07.06.2020, 13:45
3Wishes's Avatar
Moderately Amused
 
Join Date: Jul 2010
Location: Bern area
Posts: 10,609
Groaned at 77 Times in 74 Posts
Thanked 17,468 Times in 7,861 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: Car Insurance - Selected wrong nationality

Quote:
View Post
... I sent email to company already explaining the situation and asking for possibility of cancellation, I expect reply tomorrow.
Emphasis mine. Don't bet your good on an email, and also don't expect replies to be speedy. Send a registered letter if you want to be sure to cover your butt.
Reply With Quote
  #10  
Old 07.06.2020, 14:31
Newbie
 
Join Date: Jun 2020
Location: Zurich
Posts: 4
Groaned at 0 Times in 0 Posts
Thanked 5 Times in 2 Posts
Trevilsy has no particular reputation at present
Re: Car Insurance - Selected wrong nationality

I called insurance company, they told me this is not a big deal for them.

Long story short, agent will contact me, change my nationality, plus recalculate everything tomorrow.

If no contact from their side, I will do as suggested - registered letter.

The differnce between X and Y (where Y is no noname) is ~900 chf/year for exactly the same coverage. Anyway, seems this is the price which I have to pay for the mistake. Policy is till the end of 2021, so still better than for 3+ years.

Thank you for your help, good to be part of such active community!
Reply With Quote
The following 4 users would like to thank Trevilsy for this useful post:
  #11  
Old 07.06.2020, 15:49
3Wishes's Avatar
Moderately Amused
 
Join Date: Jul 2010
Location: Bern area
Posts: 10,609
Groaned at 77 Times in 74 Posts
Thanked 17,468 Times in 7,861 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: Car Insurance - Selected wrong nationality

Quote:
View Post
...Anyway, seems this is the price which I have to pay for the mistake. Policy is till the end of 2021, so still better than for 3+ years.
While you're looking closely at the terms, double-check any language about renewal. If there's an auto-renewal clause you can still send a letter now saying you don't want to auto-renew at the end of 2021.
Reply With Quote
This user would like to thank 3Wishes for this useful post:
  #12  
Old 08.06.2020, 03:14
Forum Legend
 
Join Date: Oct 2014
Location: Ostschweiz
Posts: 7,994
Groaned at 334 Times in 275 Posts
Thanked 10,336 Times in 5,457 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: Car Insurance - Selected wrong nationality

Quote:
View Post
If no contact from their side, I will do as suggested - registered letter.
No need to worry. The premium increases, so the agent has the utmost interest to handle this quickly
Quote:
View Post
The differnce between X and Y (where Y is no noname) is ~900 chf/year for exactly the same coverage. Anyway, seems this is the price which I have to pay for the mistake. Policy is till the end of 2021, so still better than for 3+ years.
Still far too much for an "educational fee".

The way I understand you, you haven't signed or paid anything yet (Ok, perhaps signed the application, but not a contract). That probably means you have applied for insurance, to which the insurance company has agreed, but there's no binding contract yet. Thus nothing to be canceled yet either.

If this is correct, registering your car with the insurance's confirmation would conclude that contract and bind you. Conversely, if you don't use that possibility your application will lapse after 14 days. Not concluding this contract would free you to apply for, and sign, a contract with Y (without paying X as well), even while the application with X is still open. Perhaps have that confirmed by X first thing. And of course stay put until you know with certainty where you stand.

That aside, the insurance contract can be canceled (within 30 days I believe, by the new owner) if you sell the car forward. AFAIK there's no limit to that, you could sell the car to your neighbor/wife/sibling/parents/gf/friend (doesn't matter where they live) and ask them to cancel the insurance right away; unused premium would be returned to you. You the holder (after the transaction no longer the same person as the owner) are then free to get insurance from Y or whichever insurance, and register the car using that contract. Whether your car has already been registered doesn't affect this possibility, though a new MFK may be necessary if you delay the sale long enough.

Last edited by Urs Max; 08.06.2020 at 03:26.
Reply With Quote
  #13  
Old 08.06.2020, 10:54
Guest
 
Posts: n/a
Re: Car Insurance - Selected wrong nationality

Quote:
View Post
No need to worry. The premium increases, so the agent has the utmost interest to handle this quickly

Still far too much for an "educational fee".

The way I understand you, you haven't signed or paid anything yet (Ok, perhaps signed the application, but not a contract). That probably means you have applied for insurance, to which the insurance company has agreed, but there's no binding contract yet. Thus nothing to be canceled yet either.

If this is correct, registering your car with the insurance's confirmation would conclude that contract and bind you. Conversely, if you don't use that possibility your application will lapse after 14 days. Not concluding this contract would free you to apply for, and sign, a contract with Y (without paying X as well), even while the application with X is still open. Perhaps have that confirmed by X first thing. And of course stay put until you know with certainty where you stand.

That aside, the insurance contract can be canceled (within 30 days I believe, by the new owner) if you sell the car forward. AFAIK there's no limit to that, you could sell the car to your neighbor/wife/sibling/parents/gf/friend (doesn't matter where they live) and ask them to cancel the insurance right away; unused premium would be returned to you. You the holder (after the transaction no longer the same person as the owner) are then free to get insurance from Y or whichever insurance, and register the car using that contract. Whether your car has already been registered doesn't affect this possibility, though a new MFK may be necessary if you delay the sale long enough.

Except the policy is active which means that the car is insured as of the start date that OP ask for so, of course, there is something cancel.


Are you really suggesting to OP that she "sell the car" to cancel the insurance. Care to think that one through again as it is the most nonsensical suggestion I have seen on EF!
Reply With Quote
The following 2 users groan at for this post:
  #14  
Old 08.06.2020, 11:00
aSwissInTheUS's Avatar
Forum Legend
 
Join Date: Nov 2007
Location: Zurich area
Posts: 12,050
Groaned at 90 Times in 81 Posts
Thanked 18,347 Times in 8,154 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: Car Insurance - Selected wrong nationality

Quote:
View Post
Are you really suggesting to OP that she "sell the car" to cancel the insurance. Care to think that one through again as it is the most nonsensical suggestion I have seen on EF!
Been there done that. Nothing unusual.
Reply With Quote
The following 2 users would like to thank aSwissInTheUS for this useful post:
  #15  
Old 08.06.2020, 11:18
st2lemans's Avatar
Forum Legend
 
Join Date: Dec 2010
Location: Lugano
Posts: 29,001
Groaned at 1,989 Times in 1,506 Posts
Thanked 34,446 Times in 16,380 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: Car Insurance - Selected wrong nationality

Quote:
View Post
Are you really suggesting to OP that she "sell the car" to cancel the insurance. Care to think that one through again as it is the most nonsensical suggestion I have seen on EF!
BTDT, works just fine.

Tom
Reply With Quote
The following 2 users would like to thank st2lemans for this useful post:
  #16  
Old 08.06.2020, 11:29
st2lemans's Avatar
Forum Legend
 
Join Date: Dec 2010
Location: Lugano
Posts: 29,001
Groaned at 1,989 Times in 1,506 Posts
Thanked 34,446 Times in 16,380 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: Car Insurance - Selected wrong nationality

Quote:
View Post
Then the insurance will start at 12.01 on Monday morning
No, the insurance starts the moment the car is registered.

If he tells the dealer to not register it yet, the insureance will NOT start!

Tom
Reply With Quote
The following 2 users would like to thank st2lemans for this useful post:
  #17  
Old 08.06.2020, 11:39
aSwissInTheUS's Avatar
Forum Legend
 
Join Date: Nov 2007
Location: Zurich area
Posts: 12,050
Groaned at 90 Times in 81 Posts
Thanked 18,347 Times in 8,154 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: Car Insurance - Selected wrong nationality

Quote:
View Post
So, are you okay?
Fine. Just lazy
Quote:
View Post
Still, your answer seems correct.
OP check <<Kann ich von meinem Versicherungsantrag noch zurücktreten?>> on this link.
Oh, how convenient. The cool off period is actually just 14 days.
Reply With Quote
  #18  
Old 08.06.2020, 13:43
st2lemans's Avatar
Forum Legend
 
Join Date: Dec 2010
Location: Lugano
Posts: 29,001
Groaned at 1,989 Times in 1,506 Posts
Thanked 34,446 Times in 16,380 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: Car Insurance - Selected wrong nationality

Quote:
View Post
Except the policy is active which means that the car is insured as of the start date that OP ask for so, of course, there is something cancel.
Nope.

It is insured from the moment it is registered, not a second before.

Tom
Reply With Quote
The following 3 users would like to thank st2lemans for this useful post:
  #19  
Old 08.06.2020, 19:09
Forum Legend
 
Join Date: Oct 2014
Location: Ostschweiz
Posts: 7,994
Groaned at 334 Times in 275 Posts
Thanked 10,336 Times in 5,457 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: Car Insurance - Selected wrong nationality

Quote:
View Post
Oh, how convenient. The cool off period is actually just 14 days.
Doesn't look like this is relevant in these cases though. The "trigger" is the registration, so nothing's binding until that has happened, and that can be done using insurance from any company that accepted the application.

Or am I missing something?
Reply With Quote
  #20  
Old 08.06.2020, 19:40
Guest
 
Posts: n/a
Re: Car Insurance - Selected wrong nationality

If you have a partner just put it in his/her name and cancel the insurance.
Reply With Quote
The following 2 users would like to thank for this useful post:
Reply

Tags
car, insurance




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
Car Insurance Premium function of Nationality Ashish Complaints corner 28 18.10.2019 14:41
You have selected 1 post that is not part of this thread. Quote this post as well, or marton Forum support 3 16.08.2016 17:28
Health Ministers selected on the basis of their exemplary healthy lifestyles. me.anon International affairs/politics 0 15.10.2014 22:37
10% discount on selected Apple MacBooks and iPhone @ Digitec simple_person TV/internet/telephone 4 06.12.2013 17:52
Car Insurance: Doesn't seem so expensive or am I doing something wrong? bozothedeathmachine Insurance 9 05.02.2008 14:58


All times are GMT +2. The time now is 13:18.


Powered by vBulletin® Version 3.8.4
Copyright ©2000 - 2020, Jelsoft Enterprises Ltd.
LinkBacks Enabled by vBSEO 3.1.0