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 after a claim

After a claim, an extraordinary right of cancellation may apply.

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 son assurance après un sinistre

Le sinistre ouvre, des deux côtés, un droit de résiliation extraordinaire encadré par la LCA. Conditions, délai et pièges à éviter.

Résilier la protection juridique après un litige indemnisé

Droit extraordinaire après un cas indemnisé, délai court et piège du délai de carence : comment résilier sans rester sans couverture juridique.

Résilier l'assurance vélo après le vol du vélo

Après l'indemnisation d'un vol, un droit extraordinaire peut s'ouvrir. Vérifiez aussi ce que couvre déjà votre assurance ménage pour ne pas payer deux fois.

Cancellation guides

Cancelling after a claim: the extraordinary right

After a claim, the ICA often opens an extraordinary right of cancellation, for you and for the insurer. Conditions and deadlines explained.

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.

Cancelling your car insurance in Switzerland

Deadlines, grounds and steps to cancel your motor liability, partial casco or fully comprehensive insurance at renewal, after a claim or after selling the vehicle.