Standard notice: 3 months
Most Swiss auto policies auto-renew yearly. 3-month notice before annual renewal date. Most policies end December 31, so cancel by September 30. Check your specific renewal date.
Special case: after a claim
After each settled claim, both you and the insurer have an extraordinary cancellation right within 14 days. Ideal moment to compare if your premium was hiked.
Sale of vehicle, moving abroad
Sale: insurance ends automatically at registration transfer date. No formal cancellation needed. Moving abroad: notify insurer, contract ends at change of address effective date.
Leasing: conditional
If your car is on lease, most contracts require full collision throughout. You can switch insurer but not downgrade to liability-only. Get certificate of continuous coverage to present to the leaser. Never let a gap occur.
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