Cancel insurance in Switzerland: household, car, liability
You cancel property and liability insurance for the expiry date stated in your policy, usually with three months’ notice. Since 2022 any contract can also be cancelled at the end of the third year with three months’ notice (Art. 35a VVG). After a claim or a premium increase there are often additional cancellation rights.
Create the letter – from CHF 11.50We print, envelope and hand your letter to the post. No account needed.
Key facts
| Ordinary | At expiry, notice period per policy (often 3 months) |
|---|---|
| After 3 years | Always possible, 3 months’ notice (Art. 35a VVG) |
| After a claim | Cancellation possible (Art. 42 VVG, deadlines per the terms) |
| Premium increase | Usually a special cancellation right under the terms |
| Form | In writing or text form |
Frequently asked questions
Do I have to cancel when I change cars?
No, the policy is usually adjusted. If you switch insurer, the new one issues the insurance certificate for the road traffic office.
What if I move abroad?
Many policies end or can be cancelled when you leave Switzerland. Enclose proof of deregistration.
Are premiums I have already paid refunded?
Yes, on early termination the insurer normally refunds the unused premium pro rata.
Free template
Copy the text and replace the details in [brackets]. Or fill in our form – we send the letter by registered mail for you.
The template is in German, which Swiss companies and authorities expect. You can fill in our form in English.
Kündigung des Versicherungsvertrags Nr. [Vertrags-, Kunden- oder Policen-Nr.]
Sehr geehrte Damen und Herren Hiermit kündige ich den Versicherungsvertrag Nr. [Vertrags-, Kunden- oder Policen-Nr.] unter Einhaltung der vertraglichen Kündigungsfrist auf den nächstmöglichen Termin. Bitte bestätigen Sie mir den Eingang dieser Kündigung sowie das Datum der Vertragsbeendigung schriftlich. Freundliche Grüsse