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Old 07.12.2020, 14:52
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Saw a broker......now got loads of stuff I do not need

Apparently there is no right to cancel? I met a broker to get insurance and he suggested some other options. I listened to what he said but I did not commit to them. Signed a lot of forms in German........

and it now turns out I have this load of extra insurance. I'm sure he made a very nice commission out of it, but I am now left with this international insurance, legal insurance etc. Worst thing is that it looks like some of it is 8 years in length??? How can this be?

I went on the insurance website, had a chat they said they could cancel, asked me to confirm I said yes..........now I get a letter in the post basically saying a contract is a contract.

Guessing there is no recourse here? I reckon I have an extra 120 CHF a month of cover which seems a bit pointless, on top of fairly expensive basic coverage...
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Old 07.12.2020, 15:05
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Re: Saw a broker......now got loads of stuff I do not need

Welcome to Switzerland (i.e. this sort of thing goes on all the time). Maybe you can use your new legal insurance.


People here will tell you once you've signed something that's it, regardless of if you said no and had no idea what you were signing for. The idea of mis-selling or arguably fraudulent business practices don't seem to be acknowledged. In the UK for example, a contract is generally only valid if you knew what you were signing up for.



You could write to them to say you rejected the additional services and thought you were only signing for what you agreed to and anything else presented to you to sign was 'a mistake' or 'deliberate act to sign you up against your wishes'. The sooner you do it the better.
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Old 07.12.2020, 15:12
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Re: Saw a broker......now got loads of stuff I do not need

Never sign anything without asking for at least a week to read it through (or getting it read through by someone else).

The most you should sign for is a temporary cover note for any urgently needed insurance.

Not sure why there can't be a two week cooling-off period. It's not like they don't have slimy, commission-based agent here too.
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Old 07.12.2020, 15:16
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Welcome to Switzerland (i.e. this sort of thing goes on all the time). Maybe you can use your new legal insurance.


People here will tell you once you've signed something that's it, regardless of if you said no and had no idea what you were signing for. The idea of mis-selling or arguably fraudulent business practices don't seem to be acknowledged. In the UK for example, a contract is generally only valid if you knew what you were signing up for.



You could write to them to say you rejected the additional services and thought you were only signing for what you agreed to and anything else presented to you to sign was 'a mistake' or 'deliberate act to sign you up against your wishes'. The sooner you do it the better.

That last part is interesting. I understand I should have not signed, but I thought I had made it quite clear to the broker that I wanted just the basic insurance. I will try the insurance place again.

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Never sign anything without asking for at least a week to read it through (or getting it read through by someone else).

The most you should sign for is a temporary cover note for any urgently needed insurance.

Not sure why there can't be a two week cooling-off period. It's not like they don't have slimy, commission-based agent here too.

Yes I was quite confident when I got it through post of thinking hey there must be a cooling off period. But no, I am stuck in a contract until 2028???!!!!

Last edited by 3Wishes; 07.12.2020 at 22:23. Reason: merging consecutive replies
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Old 07.12.2020, 16:20
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Re: Saw a broker......now got loads of stuff I do not need

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Yes I was quite confident when I got it through post of thinking hey there must be a cooling off period. But no, I am stuck in a contract until 2028???!!!!
Like Landers said, write to them & make sure to send it by registered post.
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Old 07.12.2020, 17:20
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Re: Saw a broker......now got loads of stuff I do not need

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Like Landers said, write to them & make sure to send it by registered post.

Yes write to them formally through the post, with signature. You could try through email or chat as well of course.
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Old 07.12.2020, 17:39
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Re: Saw a broker......now got loads of stuff I do not need

Just found this, it might be helpful

"Whether an application is made by telephone or in writing: In both cases you have the option of withdrawing from the contract if you were not in possession of the general insurance conditions at the time of submitting the application and were not informed about the cancellation options. Even if important contract details were not known - for example the amount of the premium - this means that you can terminate the contract. The advisor then breached his duty to provide information ( Art. 3 and Art. 3a of the Insurance Contract Act).

When does the right of termination expire?
If this information was only provided with or after the conclusion of the contract - i.e. when the policy was delivered - it is too late and you have the option to cancel. The best way to do this is by registered mail. The termination takes effect when it is received by the insurer. The right of termination expires four weeks after you become aware of the breach of duty. The right of termination definitely expires one year after the breach of duty."

https://www.beobachter.ch/geld/krank...rsicherung-aus

If nothing else works you can seek help from the Ombudsman
https://www.om-kv.ch/de

Last edited by Sigh; 07.12.2020 at 17:45. Reason: Added info
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Old 07.12.2020, 18:33
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Re: Saw a broker......now got loads of stuff I do not need

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..... Signed a lot of forms in German...........
A merry Christmas for the broker indeed.
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Old 07.12.2020, 19:32
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Re: Saw a broker......now got loads of stuff I do not need

Rang them up, got through to a nice guy that explained that contracts are binding once signed etc. He also made the valid point that brokers were inherently more tricky to deal with and to be extremely careful around them.

He said to try and appeal again, give as much detail as you can etc and they would investigate further. On one hand this is positive, but I also don't want to put the broker under too much pressure as it might have been an honest mistake..
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Old 07.12.2020, 19:48
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Re: Saw a broker......now got loads of stuff I do not need

An honest mistake? Right!

In a perfect world maybe....
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Old 07.12.2020, 19:52
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Re: Saw a broker......now got loads of stuff I do not need

Are you sure you canít get out before 8 years? Sometimes an insurance contract is a set length for cost, but you can still cancel for the following year with a certain amount of notice.
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Old 07.12.2020, 20:08
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Re: Saw a broker......now got loads of stuff I do not need

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Are you sure you canít get out before 8 years? Sometimes an insurance contract is a set length for cost, but you can still cancel for the following year with a certain amount of notice.
Some supplementary insurances run over several years (up to 5)
https://en.comparis.ch/krankenkassen...rung-kuendigen

8 years I never come across.
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Old 07.12.2020, 20:52
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Re: Saw a broker......now got loads of stuff I do not need

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but I also don't want to put the broker under too much pressure as it might have been an honest mistake..

Screw them, it was no mistake but it might save them some embarrassment if you entertain the idea that it was.
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Old 08.12.2020, 08:05
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Re: Saw a broker......now got loads of stuff I do not need

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Rang them up, got through to a nice guy that explained that contracts are binding once signed etc. He also made the valid point that brokers were inherently more tricky to deal with and to be extremely careful around them.

He said to try and appeal again, give as much detail as you can etc and they would investigate further. On one hand this is positive, but I also don't want to put the broker under too much pressure as it might have been an honest mistake..
This is the kind of "honest mistake" that I hate, and am confronted with so frequently. What a way of abusing the goodwill of somebody that obviously does not speak well the language. Is there any way of knowing, without breaching any data privacy rule, which broker or company made this? To avoid them, basically.
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Old 08.12.2020, 08:19
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Re: Saw a broker......now got loads of stuff I do not need

It's frightening how someone can write both "I didn't commit to anything" and "I signed a lot of documents in a language I don't understand" in the same sentence. NEVER SIGN DOCUMENTS YOU DONT UNDERSTAND. It's such basic common sense and yes, you deserve to be kicking yourself and it will be an important life lesson.

However, from reading the forum and similar cases it usually doesn't hold up as they used deception to get you to sign something. Write to them by registered post and fully explain and tell them if you don't get it cancelled you will take legal advice.

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I also don't want to put the broker under too much pressure as it might have been an honest mistake..

Are you really this naive? Stop being nice and start being tough. They are trying to screw you and it's happened many times to many expats.

Also, which company was it? Name and shame please!

Last edited by Chuff; 08.12.2020 at 08:34.
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Old 08.12.2020, 09:28
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Re: Saw a broker......now got loads of stuff I do not need

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He said to try and appeal again, give as much detail as you can etc and they would investigate further. On one hand this is positive, but I also don't want to put the broker under too much pressure as it might have been an honest mistake..
Yeahh, sure. You want basic insurance (from which the broker gets exactly zero income) and you end up with all sort of shit and even some more.

Please read, and act accordingly. Health insurance, legal advice
Important: Use registered mail. No e-mail or web forms. And also no more phone calls.
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Old 08.12.2020, 09:54
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Re: Saw a broker......now got loads of stuff I do not need

I‘m not sure if this applies to you because they actually do have your signature. All I can suggest is you may not be able to cancel but you usually can change your insurance, even if it’s signed - try that angle, to decrease what you can. I had an issue where I agreed to a travel insurance on the phone, they then sent me the forms and of course on reading them we noticed most of what we wanted to have the insurance for was excluded. I emailed to cancel and they refused but I persisted and persisted and after several no’s from their side, they did eventually cancel. I still stand by that, you can’t agree to something telephonically and be bound by it if afterwards you only get informed on all the exclusions by paper. I also always avoid actually meeting with an insurance broker, they are just too good at what they do, slimy buggers, it is 100% NOT an honest mistake!
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Old 08.12.2020, 10:07
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Re: Saw a broker......now got loads of stuff I do not need

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IĎm not sure if this applies to you because they actually do have your signature. All I can suggest is you may not be able to cancel but you usually can change your insurance,
I'd go for cancellation - it's up to them to suggest a compromise.
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