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-   -   Broker lied and made me sign official documents (https://www.englishforum.ch/insurance/299185-broker-lied-made-me-sign-official-documents.html)

pikachu 18.07.2020 12:54

So recently I received a call from some insurance company claiming to give me advice on insurance. I am a student and I donít know much about the broker situation here so I met this person.

She explained the plans and I was interested to know more. She asked for my personal details and made me sign some documents from the company. She claimed this is ONLY for inquiring if the company will accept my profile and this is not a contract. I have asked more times since I donít want a contract yet and I will only take it if I get SVA and she emphasized that was not a contract but just inquiry.

However a few days later I received some contract from the insurance company!
Now she told me it is hard to get rid of it.

I know itís stupid to sign such things but she was clearly lying to me to make me sign! This is violation of article 45??

Is there anyone who has experience on this? Is it possible to get help??

Thanks in advance everyone!

aSwissInTheUS 18.07.2020 13:00

Re: Broker lied and made me sign official documents
 
First, never, ever sign something which you did not read and have understood.

Second, please read this and act accordingly: http://www.englishforum.ch/insurance...al-advice.html

pikachu 18.07.2020 13:15

Quote:

Originally Posted by aSwissInTheUS (Post 3199953)
First, never, ever sign something which you did not read and have understood.

Second, please read this and act accordingly: http://www.englishforum.ch/insurance...al-advice.html


Yes I never signed such things but donít know why that day I was blind :(

I have already emailed and written a letter to the company to quit but there is no reply.

I donít know if I should go to police ...

Quote:

Originally Posted by aSwissInTheUS (Post 3199953)
First, never, ever sign something which you did not read and have understood.

Second, please read this and act accordingly: http://www.englishforum.ch/insurance...al-advice.html

Thanks a lot for the post!

grumpygrapefruit 18.07.2020 13:28

Re: Broker lied and made me sign official documents
 
Quote:

Originally Posted by pikachu (Post 3199956)
Yes I never signed such things but don’t know why that day I was blind :(

I have already emailed and written a letter to the company to quit but there is no reply.

I don’t know if I should go to police ...

Forget email, send a registered letter. And forget the police, nothing they can do.

Tom1234 18.07.2020 13:39

Re: Broker lied and made me sign official documents
 
Not sure how you could have signed the documents over the telephone. Did they follow up the phone call with a home visit or send them in the post?

Is there a cooling-off period here?

Medea Fleecestealer 18.07.2020 13:44

Re: Broker lied and made me sign official documents
 
Quote:

Originally Posted by Tom1234 (Post 3199959)
Not sure how you could have signed the documents over the telephone. Did they follow up the phone call with a home visit or send them in the post?

Is there a cooling-off period here?

Quote:

Originally Posted by pikachu (Post 3199951)
So recently I received a call from some insurance company claiming to give me advice on insurance. I am a student and I don’t know much about the broker situation here so I met this person.

Helps to take in what you read. ;)

Chuff 18.07.2020 13:48

Re: Broker lied and made me sign official documents
 
Quote:

Originally Posted by pikachu (Post 3199951)
So recently I received a call from some insurance company claiming to give me advice on insurance. I am a student and I don’t know much about the broker situation here so I met this person.

She explained the plans and I was interested to know more. She asked for my personal details and made me sign some documents from the company. She claimed this is ONLY for inquiring if the company will accept my profile and this is not a contract. I have asked more times since I don’t want a contract yet and I will only take it if I get SVA and she emphasized that was not a contract but just inquiry.

However a few days later I received some contract from the insurance company!
Now she told me it is hard to get rid of it.

I know it’s stupid to sign such things but she was clearly lying to me to make me sign! This is violation of article 45??

Is there anyone who has experience on this? Is it possible to get help??

What is the name of the company?

spark 18.07.2020 13:49

Re: Broker lied and made me sign official documents
 
It would help to know what exactly you signed and what else do you have in writting from the agent. Especially "not a contract but just inquiry" - do you have this bit in writing/email? If yes, use Art 23 & 24 OR to void the contract. If you have nothing in writing it gets tricky, as the burden of proof is on you.


Edit: another law that can help is https://www.admin.ch/opc/de/classifi.../index.html#a3 - did the agent inform you about the items listed there, especially premium/year? Here I think the burden of proof that they provided the info is on them, so it'll be much easier to ditch the contract this way

pikachu 18.07.2020 13:54

Re: Broker lied and made me sign official documents
 
Quote:

Originally Posted by Chuff (Post 3199961)
What is the name of the company?

The contract is with groupe mutuel but the broker is from Avenir

Guest 18.07.2020 15:09

Re: Broker lied and made me sign official documents
 
Quote:

Originally Posted by Tom1234 (Post 3199959)
Not sure how you could have signed the documents over the telephone. Did they follow up the phone call with a home visit or send them in the post?

Is there a cooling-off period here?

From the OP:

Quote:

so I met this person.
And insurance contracts are excluded from the 14 days cancellation period.

Marsalforn 18.07.2020 15:34

Re: Broker lied and made me sign official documents
 
I am guessing that the contract from Groupe Mutuel has your signature on the bottom of the page?

Guest 18.07.2020 16:05

Re: Broker lied and made me sign official documents
 
Quote:

Originally Posted by Marsalforn (Post 3199974)
I am guessing that the contract from Groupe Mutuel has your signature on the bottom of the page?

Yep, else he has no insurance.

And it is the same contract containing the information OP wants to claim was not given to him.

So yeah, he might complain, he might be lucky and get out of it. But if they really want they hold him up to it.

Urs Max 18.07.2020 18:33

Re: Broker lied and made me sign official documents
 
Quote:

Originally Posted by pikachu (Post 3199951)
I have asked more times since I don’t want a contract yet and I will only take it if I get SVA and she emphasized that was not a contract but just inquiry.

It looks like the contract you signed is for (mandatory) health insurance, which would make it something different than what SVA ("SozialVersicherungsAnstalt"). Every resident (a few rare exceptions apply) must have health insurance, if you're not newly arrived (your EF membership indicates that you aren't) you should already have mandatory health insurance.
It's important that you mention this fact when you contact Mutuel Group when you contact them to cancel your new contract.

If I may ask, what's your mandatory health insurance so far?

Belgianmum 18.07.2020 19:11

Re: Broker lied and made me sign official documents
 
Quote:

Originally Posted by Urs Max (Post 3199987)
It looks like the contract you signed is for (mandatory) health insurance, which would make it something different than what SVA ("SozialVersicherungsAnstalt"). Every resident (a few rare exceptions apply) must have health insurance, if you're not newly arrived (your EF membership indicates that you aren't) you should already have mandatory health insurance.
It's important that you mention this fact when you contact Mutuel Group when you contact them to cancel your new contract.

If I may ask, what's your mandatory health insurance so far?

I would think the opposite actually.
I would say that itís for supplementary insurance as they have to cover everyone for the mandatory insurance so there would be no need to check if they would cover him.

pikachu 18.07.2020 20:01

She sold me a plan with mandatory with supplemental.
I am now with Swisscare since Iím foreign student.
I only plan to change when I meet the 6 year Limit with Swisscare.

Quote:

Originally Posted by Urs Max (Post 3199987)
It looks like the contract you signed is for (mandatory) health insurance, which would make it something different than what SVA ("SozialVersicherungsAnstalt"). Every resident (a few rare exceptions apply) must have health insurance, if you're not newly arrived (your EF membership indicates that you aren't) you should already have mandatory health insurance.
It's important that you mention this fact when you contact Mutuel Group when you contact them to cancel your new contract.

If I may ask, what's your mandatory health insurance so far?

I did not sign a contract yet but according to the document the broke sent. She ticked that ďit was a official request for contractĒ, but what she said was ďjust to check if the company will accept my profile, not for a contractĒ.

Quote:

Originally Posted by Marsalforn (Post 3199974)
I am guessing that the contract from Groupe Mutuel has your signature on the bottom of the page?


Tom1234 18.07.2020 21:11

Re: Broker lied and made me sign official documents
 
Agents do this as that's how they earn their commission.

The trick, in future, is to take the documents but not to sign them when the agent is there, under pressure.

Tell the agent you'll read through them in your own time, sign them, and send them back by post.

Agents hate this though and will try and persuade you to sign on the spot.

aSwissInTheUS 18.07.2020 21:15

Re: Broker lied and made me sign official documents
 
Quote:

Originally Posted by Tom1234 (Post 3200012)
Agents hate this though and will try and persuade you to sign on the spot.

And if they still persists you kindly show them the hole the mason left in the wall and were coincidentally the carpenter put a door in.

Guest 18.07.2020 21:45

Re: Broker lied and made me sign official documents
 
Quote:

Originally Posted by aSwissInTheUS (Post 3200014)
And if they still persists you kindly show them the hole the mason left in the wall and were coincidentally the carpenter but a door in.

And don't forget to ask them if they want to sleep over since you like reading in bed.

pikachu 20.07.2020 17:37

Re: Broker lied and made me sign official documents
 
Now I will definitely do as you said....

I did this once to another broker of same type and no wonder he was so disappointed....


Quote:

Originally Posted by Tom1234 (Post 3200012)
Agents do this as that's how they earn their commission.

The trick, in future, is to take the documents but not to sign them when the agent is there, under pressure.

Tell the agent you'll read through them in your own time, sign them, and send them back by post.

Agents hate this though and will try and persuade you to sign on the spot.


pikachu 20.07.2020 17:38

Re: Broker lied and made me sign official documents
 
I just sent a registered letter explaining what happened...
Thanks for your advice! Hope it will work ....

Quote:

Originally Posted by grumpygrapefruit (Post 3199958)
Forget email, send a registered letter. And forget the police, nothing they can do.



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