Go Back   English Forum Switzerland > Help & tips > Leaving Switzerland  
Reply
 
Thread Tools Display Modes
  #1  
Old 08.06.2016, 14:53
Junior Member
 
Join Date: Feb 2016
Location: Luzern
Posts: 33
Groaned at 6 Times in 3 Posts
Thanked 10 Times in 9 Posts
Sena has no particular reputation at present
Cancellation of household liability and privat liability insuarances

Dears

I am going to leave Switzerland permanently on 16th July and as I am informed Stadhouse in my Kanton , I will receive de-registration form on 16th June one month prior from planning departure date.
Since I was agreed with the Kanton last week I have sent some several cancellation declaration letter to the companies for internet connection, mobile network,liablity insuarances and so on .

My private liability and household insuarances from xxx company between July 2016-July 2017 which I usually set payment for annual amount as of July . On my registrated letter that I sent last week on 3rd June Friday I kindly asked them to cancel my both insuarances as I will be leaving Switzerland by 16th July and no need to have insuarances anymore and indicated do not issue any invoices for 2016 .

I also sent some several emails and received response that only saying they will cancel end of July which is already late for me as I wont be here .

It is really difficult to explain them even on the phone why I am not going to pay these annual payments as I have already send registrated letter by 3th June .
They are expecting me to pay for those two insuarances which is due July .

How can I handle this situation and how can I convince them to send confirmation of cancellation has been taken ınto consideration .

Thank you for your advice.

Regards

Sena
Reply With Quote
  #2  
Old 08.06.2016, 15:31
fatmanfilms's Avatar
Forum Legend
 
Join Date: Apr 2010
Location: Verbier
Posts: 20,303
Groaned at 429 Times in 320 Posts
Thanked 20,702 Times in 10,982 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: Cancellation of household liability and privat liability insuarances

Quote:
View Post
Dears

I am going to leave Switzerland permanently on 16th July and as I am informed Stadhouse in my Kanton , I will receive de-registration form on 16th June one month prior from planning departure date.
Since I was agreed with the Kanton last week I have sent some several cancellation declaration letter to the companies for internet connection, mobile network,liablity insuarances and so on .

My private liability and household insuarances from xxx company between July 2016-July 2017 which I usually set payment for annual amount as of July . On my registrated letter that I sent last week on 3rd June Friday I kindly asked them to cancel my both insuarances as I will be leaving Switzerland by 16th July and no need to have insuarances anymore and indicated do not issue any invoices for 2016 .

I also sent some several emails and received response that only saying they will cancel end of July which is already late for me as I wont be here .

It is really difficult to explain them even on the phone why I am not going to pay these annual payments as I have already send registrated letter by 3th June .
They are expecting me to pay for those two insuarances which is due July .

How can I handle this situation and how can I convince them to send confirmation of cancellation has been taken ınto consideration .

Thank you for your advice.

Regards

Sena
Pay them & they will refund later.
Reply With Quote
  #3  
Old 08.06.2016, 16:28
Junior Member
 
Join Date: Feb 2016
Location: Luzern
Posts: 33
Groaned at 6 Times in 3 Posts
Thanked 10 Times in 9 Posts
Sena has no particular reputation at present
Re: Cancellation of household liability and privat liability insuarances

Quote:
View Post
Pay them & they will refund later.


Hello ,

Actually since the communication with insuarance company is not efficient as it is not supposed to be with their customer. I wonder how they re fund later on .They even didnt ask on their response which was also not very kind to tell without written dear sır /madam ... only saying - that they will cancel end of July - about my account details for re funding . How can I secure my self that I will be receiving the total amount back later on .
They suppose to send the form to fill out with my bank account in abroad then ıt should be fıne .
Hovewer I have already send cancellatiın request via regıstrated letter so it is not my responsibility to run after I guess .

Thanks
Reply With Quote
  #4  
Old 08.06.2016, 16:37
fatmanfilms's Avatar
Forum Legend
 
Join Date: Apr 2010
Location: Verbier
Posts: 20,303
Groaned at 429 Times in 320 Posts
Thanked 20,702 Times in 10,982 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: Cancellation of household liability and privat liability insuarances

Quote:
View Post
Hello ,



Actually since the communication with insuarance company is not efficient as it is not supposed to be with their customer. I wonder how they re fund later on .They even didnt ask on their response which was also not very kind to tell without written dear sır /madam ... only saying - that they will cancel end of July - about my account details for re funding . How can I secure my self that I will be receiving the total amount back later on .

They suppose to send the form to fill out with my bank account in abroad then ıt should be fıne .

Hovewer I have already send cancellatiın request via regıstrated letter so it is not my responsibility to run after I guess .



Thanks


It may well cost to send to a foreign account, why not keep your Swiss account until everything is finished.
Reply With Quote
  #5  
Old 08.06.2016, 16:45
Junior Member
 
Join Date: Feb 2016
Location: Luzern
Posts: 33
Groaned at 6 Times in 3 Posts
Thanked 10 Times in 9 Posts
Sena has no particular reputation at present
Re: Cancellation of household liability and privat liability insuarances

Quote:
View Post
It may well cost to send to a foreign account, why not keep your Swiss account until everything is finished.
Okey , I think you didnt get the point that I am trying to explain .

I have send registared email by post to explain
Called them not possible to reach correct person
Called customer representative which I received his bussiness card on my post box. Not reachable .Emailled him . Response was not very kind .
Why should I pay ? I have lagally no responsible for any payment as I already declared .

The problem is customers right have to be taken into consideration . Whenever we want to sign a new contract with any potential insuarance companies in Switzerland we are very satisfied . We as an customer receive emails, phone calls to sign with their company .Whenever we want to cancel the contract than it is almost impossible . Cant reach anybody , they dont response at all . Why should pay ?
I expect respect as an customer , right ?

Thanks
Reply With Quote
This user groans at Sena for this post:
  #6  
Old 08.06.2016, 16:54
fatmanfilms's Avatar
Forum Legend
 
Join Date: Apr 2010
Location: Verbier
Posts: 20,303
Groaned at 429 Times in 320 Posts
Thanked 20,702 Times in 10,982 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: Cancellation of household liability and privat liability insuarances

Quote:
View Post
Okey , I think you didnt get the point that I am trying to explain .

I have send registared email by post to explain
Called them not possible to reach correct person
Called customer representative which I received his bussiness card on my post box. Not reachable .Emailled him . Response was not very kind .
Why should I pay ? I have lagally no responsible for any payment as I already declared .

The problem is customers right have to be taken into consideration . Whenever we want to sign a new contract with any potential insuarance companies in Switzerland we are very satisfied . We as an customer receive emails, phone calls to sign with their company .Whenever we want to cancel the contract than it is almost impossible . Cant reach anybody , they dont response at all . Why should pay ?
I expect respect as an customer , right ?

Thanks
Your being VERY complicated, pay then when you leave CH inform the insurance company & they will process the refund.

I cancelled several insurances this way, it's very simple. I had car insurance refunded for 12 months plus 6 weeks of the previous year as I did not know if I would sell the car or take it with me.
Reply With Quote
The following 2 users would like to thank fatmanfilms for this useful post:
  #7  
Old 08.06.2016, 16:58
Junior Member
 
Join Date: Feb 2016
Location: Luzern
Posts: 33
Groaned at 6 Times in 3 Posts
Thanked 10 Times in 9 Posts
Sena has no particular reputation at present
Re: Cancellation of household liability and privat liability insuarances

Quote:
View Post
Your being VERY complicated, pay then when you leave CH inform the insurance company & they will process the refund.

I cancelled several insurances this way, it's very simple.


Thank you . I may be a bit complicated . But I am contract manager . So termination doesnt require to transfer the payments which you are not going to receive any service .

Sorry and thank you very much .

Sena
Reply With Quote
  #8  
Old 08.06.2016, 17:26
fatmanfilms's Avatar
Forum Legend
 
Join Date: Apr 2010
Location: Verbier
Posts: 20,303
Groaned at 429 Times in 320 Posts
Thanked 20,702 Times in 10,982 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: Cancellation of household liability and privat liability insuarances

Quote:
View Post

Thank you . I may be a bit complicated . But I am contract manager . So termination doesnt require to transfer the payments which you are not going to receive any service .

Sorry and thank you very much .

Sena
Why bother to ask the question if you know better & have decided what your going to do.
Reply With Quote
The following 2 users would like to thank fatmanfilms for this useful post:
  #9  
Old 08.06.2016, 17:30
Junior Member
 
Join Date: Feb 2016
Location: Luzern
Posts: 33
Groaned at 6 Times in 3 Posts
Thanked 10 Times in 9 Posts
Sena has no particular reputation at present
Re: Cancellation of household liability and privat liability insuarances

Quote:
View Post
Why bother to ask the question if you know better & have decided what your going to do.

I wanted to get more information if somebody else had the same issue and to see how did they sort it out . Is it ubnormal ?It s everytime good to double check or learn from the real experiences.

Thanks
Reply With Quote
  #10  
Old 09.06.2016, 09:48
Forum Legend
 
Join Date: Oct 2014
Location: Steinach SG
Posts: 8,463
Groaned at 411 Times in 310 Posts
Thanked 11,023 Times in 5,803 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: Cancellation of household liability and privat liability insuarances

Quote:
View Post
Okey , I think you didnt get the point that I am trying to explain .

I have send registared email by post to explain
Called them not possible to reach correct person
Called customer representative which I received his bussiness card on my post box. Not reachable .Emailled him . Response was not very kind .
Why should I pay ? I have lagally no responsible for any payment as I already declared .

The problem is customers right have to be taken into consideration . Whenever we want to sign a new contract with any potential insuarance companies in Switzerland we are very satisfied . We as an customer receive emails, phone calls to sign with their company .Whenever we want to cancel the contract than it is almost impossible . Cant reach anybody , they dont response at all . Why should pay ?
I expect respect as an customer , right ?

Thanks
That may well be wrong. A registered letter is not the actual criteria, with auto-extending contracts you have to cancel three months before the next contract-year starts in many cases. Read your contract(s).
Reply With Quote
The following 4 users would like to thank Urs Max for this useful post:
  #11  
Old 09.06.2016, 11:20
aSwissInTheUS's Avatar
Forum Legend
 
Join Date: Nov 2007
Location: Zurich area
Posts: 12,786
Groaned at 99 Times in 88 Posts
Thanked 19,577 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: Cancellation of household liability and privat liability insuarances

Quote:
View Post
Dears

I am going to leave Switzerland permanently on 16th July
[...]
On my registrated letter that I sent last week on 3rd June Friday I kindly asked them to cancel my both insuarances as I will be leaving Switzerland by 16th July and no need to have insuarances anymore and indicated do not issue any invoices for 2016 .

I also sent some several emails and received response that only saying they will cancel end of July which is already late for me as I wont be here .

It is really difficult to explain them even on the phone why I am not going to pay these annual payments as I have already send registrated letter by 3th June .
They are expecting me to pay for those two insuarances which is due July .

How can I handle this situation and how can I convince them to send confirmation of cancellation has been taken ınto consideration .
It is normal business and standard contract procedure that a contract can only be canceled to the end of a month.

Also it is normal business and standard contract procedure that there is a minimum cancellation period of at least one month.

Additionaly, you may need there services up to and until July 16th.

Ergo, the earlist termination date is end of July,

Concordently, an earlierer termination is out of scope.

Apropos, you are wrong.
Reply With Quote
  #12  
Old 09.06.2016, 14:52
Junior Member
 
Join Date: Feb 2016
Location: Luzern
Posts: 33
Groaned at 6 Times in 3 Posts
Thanked 10 Times in 9 Posts
Sena has no particular reputation at present
Re: Cancellation of household liability and privat liability insuarances

Quote:
View Post
It is normal business and standard contract procedure that a contract can only be canceled to the end of a month.

Also it is normal business and standard contract procedure that there is a minimum cancellation period of at least one month.

Additionaly, you may need there services up to and until July 16th.

Ergo, the earlist termination date is end of July,

Concordently, an earlierer termination is out of scope.

Apropos, you are wrong.
I was correct !
By sending de registration form which is for confirmation of departure from Switzerland there will no need any payment of annual fee for the insuarances .
So we have agreed with the insuarance company finally

Thanks to all and be informed that de-registartion form is the key for cancellation of your contracts at any time .
Reply With Quote
  #13  
Old 09.06.2016, 14:57
fatmanfilms's Avatar
Forum Legend
 
Join Date: Apr 2010
Location: Verbier
Posts: 20,303
Groaned at 429 Times in 320 Posts
Thanked 20,702 Times in 10,982 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: Cancellation of household liability and privat liability insuarances

Quote:
View Post
I was correct !
By sending de registration form which is for confirmation of departure from Switzerland there will no need any payment of annual fee for the insuarances .
So we have agreed with the insuarance company finally

Thanks to all and be informed that de-registartion form is the key for cancellation of your contracts at any time .
Leaving is whats important, you have not left Switzerland so can't attempt to cancel the insurance as you choose because you failed to give notice in time.
Reply With Quote
  #14  
Old 09.06.2016, 15:03
Junior Member
 
Join Date: Feb 2016
Location: Luzern
Posts: 33
Groaned at 6 Times in 3 Posts
Thanked 10 Times in 9 Posts
Sena has no particular reputation at present
Re: Cancellation of household liability and privat liability insuarances

Quote:
View Post
Leaving is whats important, you have not left Switzerland so can't attempt to cancel the insurance as you choose because you failed to give notice in time.
I didnt miss the notice time . And it has been sorted out already .Thanks
Cheers

Last edited by 3Wishes; 10.06.2016 at 14:03. Reason: fixed quote
Reply With Quote
  #15  
Old 09.06.2016, 15:13
aSwissInTheUS's Avatar
Forum Legend
 
Join Date: Nov 2007
Location: Zurich area
Posts: 12,786
Groaned at 99 Times in 88 Posts
Thanked 19,577 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: Cancellation of household liability and privat liability insuarances

Which means your insurance ends end of June?

Just a question, when is your apartement handover? Which insurance has a cancellation periode of less than a month?
Reply With Quote
This user would like to thank aSwissInTheUS for this useful post:
  #16  
Old 09.06.2016, 15:17
Junior Member
 
Join Date: Feb 2016
Location: Luzern
Posts: 33
Groaned at 6 Times in 3 Posts
Thanked 10 Times in 9 Posts
Sena has no particular reputation at present
Re: Cancellation of household liability and privat liability insuarances

Quote:
View Post
Which means your insurance ends end of June?

Just a question, when is your apartement handover? Which insurance has a cancellation periode of less than a month?
Yeap end of June and handover is mid June .
Reply With Quote
  #17  
Old 09.06.2016, 20:14
curley's Avatar
Forum Legend
 
Join Date: Oct 2006
Location: canton ZH
Posts: 12,102
Groaned at 198 Times in 164 Posts
Thanked 13,668 Times in 7,110 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: Cancellation of household liability and privat liability insuarances

Quote:
View Post
A registered letter is not the actual criteria, with auto-extending contracts you have to cancel three months before the next contract-year starts in many cases. Read your contract(s).
Exactly. So sending a letter beginning of June, complaining cancellation end of July is too late is ..... yeah, well ..... actually that wold be generous by the insurance-company.

Oh, and btw, while you're in such a hurry: If you'private liability insurance is cancelled by the time you move out your flat you will be paying all the dammages you might have left in the flat yourself. Then you REALLY wasted money on paying insurance up until now.
Reply With Quote
  #18  
Old 10.06.2016, 08:42
Forum Legend
 
Join Date: Oct 2014
Location: Steinach SG
Posts: 8,463
Groaned at 411 Times in 310 Posts
Thanked 11,023 Times in 5,803 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: Cancellation of household liability and privat liability insuarances

Quote:
View Post
I didnt miss the notice time . And it has been sorted out already .Thanks
Cheers
What they did is accept your cancellation because going after the money after you've left isn't worth the hassle at all. That needn't mean your cancellation was sent in time.
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
Household liability insurance zgjaylak Insurance 8 23.06.2015 22:19
Online subscription of personal liability / household insurance HiBern Insurance 2 10.09.2013 10:09
Does My Household and private liability insurance cover Iphone/Bicycle damage? limamichelle Insurance 12 07.06.2013 15:55
Liability Insurance and L-Permit ssusemii Insurance 4 14.05.2013 21:19
Moved out of apartment - use of liability insurance DerDäne Insurance 9 05.08.2012 12:04


All times are GMT +2. The time now is 03:52.


Powered by vBulletin® Version 3.8.4
Copyright ©2000 - 2021, Jelsoft Enterprises Ltd.
LinkBacks Enabled by vBSEO 3.1.0