Smile Versicherung Reviews 

No one answer the phone, no one answer the messages, the app does not work and you don't get any help but for sure you get invoice
ILLEGAL AND USELESS, they just are a SCAM

Phone says I am the next client, and no one picks up not even a single person. I found this company on google because it was cheap but i am already regretting my decision after seeing the reviews, looks like a shitty company. It's 2:47pm, it working time and there are no people on the phone so what is happening?

1h01 waiting time on the phone saying "I am the next client in line" just to be hang up at my face. 0 support received. Plus they adapt your casco premium arbitrarily even when you had no accident. The worst insurance

All the reviews here about communications are pretty accurate: it's impossible to get any reply out of customer support, regardless of the channel used. And the replies from the company here about "oh no, but we're caring so much" is just as honest as any corporate communication nowadays. They made it very easy for me to choose another company, so that's a positive.

Most horrible insurance company world wide!!!!!

After trying to change my address several times over a course of month, finally someone reached out to change which worked. Now they send me again a bill for the whole insurance package although i already payed for the whole year! Again impossible to reach annyone

Worst experience possible!!! They should get out of business immediately, appologize and return all our money. This an absolute disgrace and junk service.

NEVER MAKE A DEAL WITH THEM!

Unreachable. The chat is useless, call back inexistent, in WhatsApp they never respond, contact form remains unanswered - for months. They changed details of my contract without any prior notice and I have written then in all possible forms. They should not be called SMILE but SILENCE.

Only way to contact them is a 0844 number and expect to spend a long time waiting for somebody to answer.

084x are shared-cost service numbers and have a maximum charge of CHF 0.075 per minute (+VAT, the maximum charge of a national call to the fixed network)

The useless Chatbot suggesting to write an email (which never gets answered) or to request a call-back (not possible) is also a joke...

EDIT:
Email enquiry was addressed at some points (weeks later) but the issue wasn't solved.

The customer reps are indeed very friendly and try their best to help (added one star for that). Still the wait time remains an issue.

absolutely useless customer service - gave up after 20 minutes on the phone after sending an email and not getting a response for several days.

Edit: they replied here with their empty "we'd be happy to" before they responded to any call or message I sent them about my actual case.

From my experience, having an insurance policy through this company is itself a liability.

Impossible to reach them. Absurdly poor service. Looking at their replies to ratings over the past months, they are not in the least searching to improve either.

The chat function doesn't work during registration, and there's no legal notice on the homepage. What will happen in case of a claim? Looks more like a scam than an insurance company ;)

After cancelling the contract three months ago, I have still not received the remaining amount. I contacted them four times by email, zero response. Calling is only possible using a premium number. Their chatbot is the most useless, antiquated piece of trash you can imagine. This is easily the worst customer service I have ever encountered. Avoid them!

Update: After following up and reaching out to all their channels, they responded, but sent the wrong amount. This experience raises further concerns about the organization in general.

A horrible company!!

I have left Switzerland since a year and have written to them sofar 5-6 emails that I do not live in Switzerland and they should cancel my insurances. However, they still send me reminders and receipts for paying the insurance fee!

If I could, I would give them -10!!! More than 50min distributed in 3 calls, no answer, 7 emails in different days, no answer, chatting through the website, no answer - UNACCEPTABLE, AVOID THESE PEOPLE!!! We were their clients for 4y and now we only need a non-claims certificate for our new insurance in Spain, but impossible to reach them… can’t imagine if you have a claim, good luck!

I had a car accident in mid-August and to this day, there is still no clear decision regarding liability. They quickly paid for the other driver’s repair but told me that since I had full coverage, I should pay my own costs first and “wait and see.”
I’ve managed to reach them twice by phone — but I got completely different answers depending on who I spoke to. Calls are almost impossible, and my emails from mid-August are still unanswered. The service is absolutely terrible. They advertise being “simple” and “transparent,” but the reality is total. I strongly do not recommend this company.

Simple problems are made into major worries. There is unclear communication and unclear next steps. Highly unprofessional and full of blabla

After 5 months, my payment method for August failed 4 times because there must have been an error in their system.
They sent me an email saying that I now have to pay a full year of insurance premium, all in one payment. Just because their payment system failed. Giuseppe from the italian customer service was extremely rude and unhelpful, and kept insisting that I pay a full year all at once. After a very long discussion, I found out that instead of paying the full year I could just cancel the insurance, pay the one month left, and get out of this hell.
So I did. They sent me a final invoice that was asking a wrong amount. I paid just to stop them from sending more invoices, which is the only thing they are good at. I am still waiting for a refund. Absolutely AVOID this company and most importantly if they ask you to pay the full year, just CANCEL! They will make you believe that you have to pay, but you don’t have to pay! Just cancel.

I had no problems, price/quality ratio was excellent, changing contract was simple and fast, no burocracy.

Easy navigation in the app. Everything can be configured online.
Highly recommended 👍🏽 😀

Cancelled my subscription within the 14-days cancellation policy, after finding a better offer from a competitor. I anyway had paid already the annual premium, which should be now reimbursed to me. Over 1 month has passed, and I contacted customer service several times, but my reimbursement has not been processed yet. Customer service told me a couple of times that the reimbursement will be processed “within a week”. Then, after further complaining on my side, they shut down the chat assistance prompting me to call the customer service number instead (which is a paid number in Switzerland). Tried to contact them through email but no answer received. To this day I still haven’t seen my money. Awful experience and customer service, would absolutely not recommend.

I do not recommend anyone use this insurance company Smile Versicherunge. They will overcharge you multiple times and then add further charges for very minor things. Service is overall bad compared to other insurance providers.