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When and how to cancel your car insurance after selling, get refunds, and avoid coverage gaps.
Cancel your insurance IMMEDIATELY after sale – same day if possible. You'll get a prorated refund for unused days.
Right after sale and returning license plates. Insurance continues until cancellation.
You'll receive premium back prorated (calculated per day). Usually within 2-4 weeks.
Important
Insurance and taxes continue as long as car is registered to you. Cancel quickly!
Timing depends on whether you sell to a dealer or private party.
Dealer handles re-registration. You cancel insurance AFTER handover, once you've returned plates.
Tip: Some insurers allow same-day phone cancellation – check in advance.
You must return plates yourself to road traffic office. Only THEN cancel insurance.
Warning: Never sell car with plates! Car remains insured under your name until deregistered.
Sign purchase contract, receive payment. Note date and time of handover.
Go to road traffic office and return plates. You'll receive deregistration confirmation.
Call your insurer (phone is faster than email) and cancel immediately. Provide deregistration date.
Request written confirmation (email or letter). Keep this document.
Insurer calculates prorated refund and transfers within 2-4 weeks.
You're entitled to prorated premium refund for unused days.
Annual premium CHF 1,200, cancel Aug 1 = 5 months remaining → Refund approx. CHF 500 (1200 ÷ 12 × 5).
Every day delay costs money. Insurance continues until cancellation.
Without insurance you can't drive car – not even for dealer pickup.
Without written confirmation you have no proof of cancellation.
Review the refund – calculation errors sometimes occur.
Yes! Many insurers let you transfer policy to new vehicle. Contact insurer BEFORE buying new car to clarify terms.
No. With vehicle sale you have special cancellation rights – you can cancel immediately once plates are returned.
Insurance continues and you keep paying premiums – even without the car. Insurance doesn't cancel automatically!
Many insurers accept online cancellations via email. Phone is often faster. Always get written confirmation.
Partial and full comprehensive are canceled together with liability. Refund applies to total insurance premium.
No. You must cancel your insurance yourself. BUT: Dealer handles deregistration and re-registration, making the process much easier.
