Suppose you want to switch transaction partners. In which of the situations described in the following do you incur direct switching costs?

This is right. As discussed in the lecture, direct switching costs can also result from moving (be it privately or a firm related move). In this case such a move will certainly mean changing some suppliers (e.g. for electrical power, your favorite coffee shop..). Moreover, finding new friends could also be considered a direct switching cost.

This is true. Termination penalty or costs are in fact direct switching costs because they arise as a direct consequence of switching suppliers.

This is correct. The risk that the new insurance supplier is not a reliable partner (or even worse than your previous supplier) is a direct switching cost.