A contract is normally cancelled on the expiry date, whereby the notice of cancellation must reach the insurance company three months before the end of the contract. Here it's important to note that in certain circumstances multi-year contracts are concluded, and these cannot be cancelled in any given year.
There is an exception here in the case of a change of vehicle: here, this deadline does not apply, since the insurance can be changed directly and any premiums paid in advance will be reimbursed. You also have the opportunity to change your current insurer if your premiums go up, and in the case of a claim.
In order to register a motor vehicle for use on the road, the road traffic authority requires a certificate of insurance. When you conclude an insurance, the certificate of insurance is issued and then Helvetia submits the certificate electronically to the relevant road traffic authority. If you have to submit a certificate of insurance to the road traffic authority for other reasons, please contact us so that we can issue it.
If you use interchangeable licence plates for the second car you can use both vehicles alternatively and enjoy cover for both under a single policy.
Insurance premiums are dependent on claims histories. If a claim is filed during the observation period, then the premium will go up in the following calendar year. The increase only affects the business line affected by the claim, however*. The bonus level will be incremented by four levels for each insured event occurring during the observation period and leading to compensation being paid or reserves being formed.
If you opt for supplementary «bonus protection insurance» then the first claim per year and per business line will have no negative effect on your premium, i.e. the premium won’t go up. By the way, a claim in the case of partially comprehensive cover that costs no more than CHF 400.00 will have no bearing on the bonus protection insurance, and the same applies if glass or hail damage is repaired by our partner businesses.
* A business line corresponds to an area of insurance cover such as liability, partially comprehensive cover, fully comprehensive cover or parking damage.
Yes. Besides the European nations, you are also insured in those states that border the Mediterranean and the Mediterranean island nations. Exceptions here are the Russian Federation, Belarus, Georgia, Armenia, Azerbaijan, Kazakhstan and Iran.
Before you take your car into Kosovo you must take out frontier insurance as an addition to your motor vehicle liability insurance.
Incidentally, before your holiday you should also consider concluding temporary comprehensive cover (holiday cover).