Does an exceptional reason allow cancellation at any time?

Yes, certain valid reasons (death of the insured, moving abroad, premium increase) trigger an extraordinary cancellation right outside the ordinary deadlines. Cancellation generally takes effect the following month.

Do I need to prove my cancellation reason to the insurer?

Generally yes. The insurer may ask for proof (death certificate, foreign residency certificate, premium increase notice). Without proof, the extraordinary cancellation may be refused. Keep copies of all documents.

How do I write a cancellation letter for a special reason?

Use our free letter generator: enter your insurer, the cancellation reason and the desired date. The letter is generated instantly with legally appropriate wording, ready to print and send by registered mail.

Cancellation for premium increase

A premium increase often opens an extraordinary right of cancellation.

Insurers concerned

Car insurance Motorbike insurance Household / liability insurance Private liability insurance Life insurance Pillar 3 (3a / 3b)Legal expenses insurance Travel insurance Pet insurance Bicycle insurance Accident insurance Supplementary health insurance (ICA)Building insurance Dental insurance Hospital insurance Loss-of-income insurance

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LAMal cancellation deadline

Cancellation received by 30 Nov., effective 1 January

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Practical cancellation cases

Résilier l'assurance auto après une hausse de prime

Une augmentation de prime non liée à un sinistre peut ouvrir un droit de résiliation extraordinaire. Conditions, délai court et lettre à envoyer.

Résilier l'assurance ménage et RC après une hausse de prime

L'avis d'échéance annonce une prime ménage plus élevée : quand cela ouvre un droit extraordinaire, le délai à tenir et la lettre.

Résilier une assurance protection juridique à l'échéance

Délai usuel de trois mois, modules privé et circulation, dossiers en cours : la marche à suivre pour résilier votre protection juridique.

Résilier la casco : supprimer la couverture sans toucher à la RC

Réduire son assurance automobile à la RC obligatoire : comment résilier la seule casco sans perdre la couverture légale.

Résilier la complémentaire santé après une hausse de prime

Pour une complémentaire LCA, une hausse de prime peut ouvrir un droit de résiliation extraordinaire : conditions, délai et lettre.

Résilier un contrat d'assurance AXA

Délai, droits extraordinaires et lettre pour résilier un contrat AXA, avec renvoi à l'adresse officielle de l'assureur.

Cancellation guides

Must the cancellation be sent by registered mail?

Registered or ordinary mail to cancel: what practice says, the value of proof of sending and the pitfalls to avoid.

Cancelling KVG basic insurance: 30 November

Cancellation rules for basic insurance: 30 November deadline, legal deductibles from 300 to 2500 CHF and co-payment.

"Loi Chatel" in Switzerland: the misunderstanding to know

The "Loi Chatel" is a French mechanism with no direct equivalent in Swiss law. What actually applies in Switzerland for the renewal of contracts.

PDF template or AI generator: which to choose?

A cancellation letter template to fill in or a personalised AI generator: advantages, limits and the right choice for your situation.