Go Back   English Forum Switzerland > Help & tips > Insurance  
Reply
 
Thread Tools Display Modes
  #21  
Old 12.02.2021, 16:59
fatmanfilms's Avatar
Forum Legend
 
Join Date: Apr 2010
Location: Verbier
Posts: 21,376
Groaned at 461 Times in 352 Posts
Thanked 23,091 Times in 11,824 Posts
fatmanfilms has a reputation beyond reputefatmanfilms has a reputation beyond reputefatmanfilms has a reputation beyond reputefatmanfilms has a reputation beyond reputefatmanfilms has a reputation beyond reputefatmanfilms has a reputation beyond repute
Re: Car Insurance Termination Letter

Quote:
View Post
So why mention it in your original post?
Something very fishy, 1 claim in 5 years & he gets shown the door, unless there was a mega 3rd party claim, I just don't believe the story.
Reply With Quote
The following 3 users would like to thank fatmanfilms for this useful post:
  #22  
Old 12.02.2021, 17:09
proksy's Avatar
Member
 
Join Date: Nov 2009
Location: Zurich
Posts: 142
Groaned at 1 Time in 1 Post
Thanked 41 Times in 26 Posts
proksy has no particular reputation at present
Re: Car Insurance Termination Letter

That is what I do not understand. I am going to discuss this with the insurance company and look at all the statements I have received. I simply paid what I was asked to - which was a tiny bit less than my deductible.

I wont expect a mega claim from the third party as it seemed mine car more visible damage (broken fiber party) than the other party (scratches on the metal body).


need to go and look for the fish
Reply With Quote
The following 2 users would like to thank proksy for this useful post:
  #23  
Old 12.02.2021, 17:09
Forum Legend
 
Join Date: Aug 2015
Location: Basle
Posts: 2,806
Groaned at 73 Times in 58 Posts
Thanked 1,955 Times in 1,133 Posts
Landers has a reputation beyond reputeLanders has a reputation beyond reputeLanders has a reputation beyond reputeLanders has a reputation beyond reputeLanders has a reputation beyond repute
Re: Car Insurance Termination Letter

Quote:
View Post
Something very fishy, 1 claim in 5 years & he gets shown the door, unless there was a mega 3rd party claim, I just don't believe the story.

I dunno, maybe he just meant if you have voll-kasko you would expect almost any claim to be expensive therefore not out of the ordinary enough to warrant a cancellation? It's all down to the numbers but I imagine it was a considerable claim for them to cancel the policy and/or police charges??
Reply With Quote
This user would like to thank Landers for this useful post:
  #24  
Old 12.02.2021, 17:12
aSwissInTheUS's Avatar
Forum Legend
 
Join Date: Nov 2007
Location: Zurich area
Posts: 12,778
Groaned at 99 Times in 88 Posts
Thanked 19,576 Times in 8,681 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 Termination Letter

Quote:
View Post
It's all down to the numbers but I imagine it was a considerable claim for them to cancel the policy.
Or how the accident happened.
Reply With Quote
This user would like to thank aSwissInTheUS for this useful post:
  #25  
Old 12.02.2021, 17:44
me.anon's Avatar
Forum Veteran
 
Join Date: Jan 2012
Location: thun
Posts: 2,198
Groaned at 49 Times in 33 Posts
Thanked 2,928 Times in 1,417 Posts
me.anon has a reputation beyond reputeme.anon has a reputation beyond reputeme.anon has a reputation beyond reputeme.anon has a reputation beyond reputeme.anon has a reputation beyond reputeme.anon has a reputation beyond repute
Re: Car Insurance Termination Letter

Quote:
View Post
. . .
Infact there were also some parking damages which were repaired while the car was already in the garage (under a different claims).
. . .
This is not clear. Was the single claim for two separate incidents ?
Reply With Quote
  #26  
Old 12.02.2021, 18:20
fatmanfilms's Avatar
Forum Legend
 
Join Date: Apr 2010
Location: Verbier
Posts: 21,376
Groaned at 461 Times in 352 Posts
Thanked 23,091 Times in 11,824 Posts
fatmanfilms has a reputation beyond reputefatmanfilms has a reputation beyond reputefatmanfilms has a reputation beyond reputefatmanfilms has a reputation beyond reputefatmanfilms has a reputation beyond reputefatmanfilms has a reputation beyond repute
Re: Car Insurance Termination Letter

Quote:
View Post
This is not clear. Was the single claim for two separate incidents ?
Sounds like multiple additional claims that got fixed at the same time.
Reply With Quote
This user would like to thank fatmanfilms for this useful post:
  #27  
Old 13.02.2021, 16:27
me.anon's Avatar
Forum Veteran
 
Join Date: Jan 2012
Location: thun
Posts: 2,198
Groaned at 49 Times in 33 Posts
Thanked 2,928 Times in 1,417 Posts
me.anon has a reputation beyond reputeme.anon has a reputation beyond reputeme.anon has a reputation beyond reputeme.anon has a reputation beyond reputeme.anon has a reputation beyond reputeme.anon has a reputation beyond repute
Re: Car Insurance Termination Letter

Quote:
View Post
Sounds like multiple additional claims that got fixed at the same time.
If, for example, the OP received money in lieu of repairs arising out of a previous incident (maybe even from the insurance company of a third party) and then rolled those repairs into those for a subsequent claim, it would certainly look odd. For one thing, the workshop dealing with the repairs would, somehow, have to fairly apportion their charges between the two 'jobs'. The other thing is that the insurance company may suspect that they are paying, at least partially, for an already settled claim. Insurance companies exchange data as a fraud prevention measure and maybe that the OP's case has aroused some suspicion. If there has been some misunderstanding, the OP should attempt to clear it up.
__________________
If you have difficulties with a post which contains a link to a site in one of the Swiss languages, use Google Translate or your own favourite translating browser.
Reply With Quote
  #28  
Old 14.02.2021, 18:36
proksy's Avatar
Member
 
Join Date: Nov 2009
Location: Zurich
Posts: 142
Groaned at 1 Time in 1 Post
Thanked 41 Times in 26 Posts
proksy has no particular reputation at present
Re: Car Insurance Termination Letter

Yes, multiple claims were made at the same time. The other claims were parking damages which I believe are zero deductible. Apparently there were two claims files according to the assessment from the garage.

And no, I had not other repair covered which were from any previous accident. That would be crime in my opinion. I simply files for claims which are legitimate. and I do not know what the insurance had to pay to the third party.

And some members here question about the kind of incident: So let me briefly explain - My car bumped into the car ahead when it suddenly stoped. I could have challenged whether it is our fault but from what I heard if the police is involved it is usually the one behind considered at fault. And I am not arguing that it was not my fault. I consider these kind of claims/incidents very common. It wasn't some big accident with reckless driving.

I am still trying to get some explanation from my insurance. I will share it as I learn more.
Reply With Quote
This user would like to thank proksy for this useful post:
  #29  
Old 14.02.2021, 18:43
fatmanfilms's Avatar
Forum Legend
 
Join Date: Apr 2010
Location: Verbier
Posts: 21,376
Groaned at 461 Times in 352 Posts
Thanked 23,091 Times in 11,824 Posts
fatmanfilms has a reputation beyond reputefatmanfilms has a reputation beyond reputefatmanfilms has a reputation beyond reputefatmanfilms has a reputation beyond reputefatmanfilms has a reputation beyond reputefatmanfilms has a reputation beyond repute
Re: Car Insurance Termination Letter

Quote:
View Post
Yes, multiple claims were made at the same time. The other claims were parking damages which I believe are zero deductible. Apparently there were two claims files according to the assessment from the garage.

And no, I had not other repair covered which were from any previous accident. That would be crime in my opinion. I simply files for claims which are legitimate. and I do not know what the insurance had to pay to the third party.

And some members here question about the kind of incident: So let me briefly explain - My car bumped into the car ahead when it suddenly stoped. I could have challenged whether it is our fault but from what I heard if the police is involved it is usually the one behind considered at fault. And I am not arguing that it was not my fault. I consider these kind of claims/incidents very common. It wasn't some big accident with reckless driving.

I am still trying to get some explanation from my insurance. I will share it as I learn more.
Multiple claims, your car insurance is not an ATM machine. You need to drive in control, you ran into a car from behind so 100% your fault, quite lucky you did not get a fine / driving ban.
Reply With Quote
The following 2 users would like to thank fatmanfilms for this useful post:
  #30  
Old 15.02.2021, 10:44
proksy's Avatar
Member
 
Join Date: Nov 2009
Location: Zurich
Posts: 142
Groaned at 1 Time in 1 Post
Thanked 41 Times in 26 Posts
proksy has no particular reputation at present
Re: Car Insurance Termination Letter

Quote:
View Post
Multiple claims, your car insurance is not an ATM machine. You need to drive in control, you ran into a car from behind so 100% your fault, quite lucky you did not get a fine / driving ban.

Car insurance is to cover the damages. Especially if one subscribes to full-casco and also pay premium to cover parking damages. It does not say that you can cover only 1 damage out of 10. And there was a damage significant enough to be replaced. I never bothered to take the car to teh garage for it. And while it was there for the accidental damage I got those repaired too. Whats wrong there.

It is never surprising to see someone jump to conclusion and pass the judgement without knowing the actual in details .


Coming back to my original question : Can termination be challenged ? If yes and should one try? I know that insurance companies have enough resources to defend thier story.
Reply With Quote
  #31  
Old 15.02.2021, 10:54
aSwissInTheUS's Avatar
Forum Legend
 
Join Date: Nov 2007
Location: Zurich area
Posts: 12,778
Groaned at 99 Times in 88 Posts
Thanked 19,576 Times in 8,681 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 Termination Letter

Quote:
View Post
Coming back to my original question : Can termination be challenged ? If yes and should one try? I know that insurance companies have enough resources to defend thier story.
The usual terms and condition have a clause that after a claim both parties (you as well) can cancel the contract if they want to do so. The only condition that there was a claim.

In other words, and as as said so many times before in other threads: Read your contract and the terms and conditions. Specially in what circumstances the company can cancel the contract.
Reply With Quote
This user would like to thank aSwissInTheUS for this useful post:
  #32  
Old 15.02.2021, 11:14
AbFab's Avatar
Forum Legend
 
Join Date: Sep 2006
Location: Zürich
Posts: 8,529
Groaned at 365 Times in 252 Posts
Thanked 12,762 Times in 4,351 Posts
AbFab has a reputation beyond reputeAbFab has a reputation beyond reputeAbFab has a reputation beyond reputeAbFab has a reputation beyond reputeAbFab has a reputation beyond reputeAbFab has a reputation beyond repute
Re: Car Insurance Termination Letter

Quote:
View Post
Car insurance is to cover the damages. Especially if one subscribes to full-casco and also pay premium to cover parking damages. It does not say that you can cover only 1 damage out of 10. And there was a damage significant enough to be replaced. I never bothered to take the car to teh garage for it. And while it was there for the accidental damage I got those repaired too. Whats wrong there.
Insurance companies exist to make a profit. It would seem your custom is contrary to this policy and they are cutting their losses on your business.

Quote:
View Post
It is never surprising to see someone jump to conclusion and pass the judgement without knowing the actual in details .
If you don't supply the "actual in details", what do you expect? This is another example of when you don't get the answer you want when posting on a public forum...

Quote:
View Post
Coming back to my original question : Can termination be challenged ? If yes and should one try? I know that insurance companies have enough resources to defend thier story.
You can spend the rest of your life challenging them, but don't expect them to take you back. Suck it up and move on...
Reply With Quote
This user would like to thank AbFab for this useful post:
  #33  
Old 15.02.2021, 14:37
me.anon's Avatar
Forum Veteran
 
Join Date: Jan 2012
Location: thun
Posts: 2,198
Groaned at 49 Times in 33 Posts
Thanked 2,928 Times in 1,417 Posts
me.anon has a reputation beyond reputeme.anon has a reputation beyond reputeme.anon has a reputation beyond reputeme.anon has a reputation beyond reputeme.anon has a reputation beyond reputeme.anon has a reputation beyond repute
Re: Car Insurance Termination Letter

When a leased car is returned or an apartment is vacated, though, is this not the normal situation? Someone hunts around for odd damage and an insurance claim is made possibly for damage resulting from more than one incident.

With a car, the situation is different in that insurance is compulsory. However, it appears that the car insurance companies can discard bad risks very readily.

Different again is Health Insurance companies. These also exist to make a profit however, these are not free to discard bad risks, at least not for the basic cover.

If you feel aggrieved at your treatment by an insurance company, you may be able to get some assistance from the relevant ombudsman:
https://www.konsumentenschutz.ch/onl...ellen-gibt-es/
__________________
If you have difficulties with a post which contains a link to a site in one of the Swiss languages, use Google Translate or your own favourite translating browser.
Reply With Quote
  #34  
Old 15.02.2021, 14:55
newtoswitz's Avatar
Forum Legend
 
Join Date: Jan 2010
Location: Rapperswil
Posts: 3,754
Groaned at 75 Times in 70 Posts
Thanked 4,537 Times in 2,076 Posts
newtoswitz has a reputation beyond reputenewtoswitz has a reputation beyond reputenewtoswitz has a reputation beyond reputenewtoswitz has a reputation beyond reputenewtoswitz has a reputation beyond reputenewtoswitz has a reputation beyond repute
Re: Car Insurance Termination Letter

Quote:
View Post
Coming back to my original question : Can termination be challenged ? If yes and should one try? I know that insurance companies have enough resources to defend thier story.
Almost any contractual disagreement can be challenged.

Whether you want to try is up to you; given how strongly you seem to believe in your case despite all the advice to the contrary, go for it.

Yes, they will use their resources to defend their contract, and almost certainly win very very easily. It will probably cost you a lot.
Reply With Quote
This user would like to thank newtoswitz for this useful post:
  #35  
Old 15.02.2021, 15:01
aSwissInTheUS's Avatar
Forum Legend
 
Join Date: Nov 2007
Location: Zurich area
Posts: 12,778
Groaned at 99 Times in 88 Posts
Thanked 19,576 Times in 8,681 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 Termination Letter

Quote:
View Post
With a car, the situation is different in that insurance is compulsory. However, it appears that the car insurance companies can discard bad risks very readily.
As far as I understand it we are talking about casco damages. This is voluntarily. Unfortunately, unlike health insurance wehere basic and extra insurance are a separate thing, it is tied to the mandatory 3rd party insurance.
Reply With Quote
Reply




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
Termination letter (SWICA with extras) Penguinchen Insurance 8 06.03.2020 11:53
How to write an termination notice letter? ECBM Housing in general 8 24.04.2017 01:23
Termination letter help randomme Housing in general 5 18.01.2017 20:46
Termination letter vs. landlord on vacation Maciej Housing in general 16 26.04.2016 03:28
Letter for termination of rental Sorensen Housing in general 6 27.08.2009 11:10


All times are GMT +2. The time now is 07:45.


Powered by vBulletin® Version 3.8.4
Copyright ©2000 - 2022, Jelsoft Enterprises Ltd.
LinkBacks Enabled by vBSEO 3.1.0