Moving in with my girlfriend - can I quit my Swiss household and liability insurance?

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  • BenutzernameMoneyland User Questions
  • Status Member
  • Registriert seit1/27/17
  • Beiträge2142

From what I understand, renters and liability insurance in Switzerland are based on a household and not on a specific person. Can I quit my insurance after I move in with my girlfriend since I will live in the same "household"?

 
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  • BenutzernameMoneyguru von moneyland.ch
  • OrtSchweiz
  • Status Expert
  • Registriert seit8/4/15
  • Beiträge4079

Hi there,

In order to share a personal liability or household insurance policy you will normally need to live in a registered partnership or marriage with your co-policyholder. If this is the case, then getting a single policy for both you and your partner instead of keeping two separate policies means you only need to pay one premium instead of two.

While most insurers require that you complete your insurance term before terminating your policy, some insurers allow you to add a person to your policy before your term ends. Each insurance company has its own set of rules governing early terminations. Just contact your insurance provider to find out whether you they allow early terminations for policyholders who wan to join their partner's insurance policy.

Best regards from Moneyguru

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Cheap bank accounts with card

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UBS key4

  • 50 KeyClub points as a welcome gift

  • Online private account with debit card

Swiss digital bank

Radicant

  • High interest on your everyday account

  • Best exchange rates

  • Up to 1% of card spending as saveback in the investment portfolio

Swiss Bank

Bank WIR Bankpaket Top

  • Free account & card

  • No exchange fees for foreign payments (interbank exchange rates)

  • 24 ATM withdrawals worldwide per year free of charge

Swiss digital bank

Alpian

  • CHF 100 welcome bonus

  • Favorable foreign exchange rates

  • Multi-currency account with Visa card (CHF, EUR, USD, GBP) 

Free bank account

Yuh

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  • Banking partner: Swissquote & Postfinance

  • CHF 20 trading credit with code «YUHMONEYLAND»

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