Go Back   English Forum Switzerland > Living in Switzerland > Daily life
Reply
 
Thread Tools Display Modes
  #1  
Old 09.10.2013, 20:56
Newbie 1st class
 
Join Date: Oct 2013
Location: Geneva
Posts: 14
Groaned at 14 Times in 10 Posts
Thanked 2 Times in 2 Posts
trailing-spouse has slipped a little
duped into a car insurance contract, advise please

Hi All,

my OH's work has helped us import our car into CH. One of the things we were told to do was line up insurance for when the car was imported, as we couldn't even get through the process w/o something seen to be standing ready to go. We understood it as an insurance quote, ready to run when we gave the green light, after the car made it through the importation.

After 5 months - long I know - we've got the car imported. I tried in vain to get a hold of the insurance company (Zurivh) for 2 days and couldn't, so took out insurance with another company, wanting to be legal to drive. I then got an email from the original company saying our insurance was in force - so I had two policies, and the original one says their's is binding and I can't get out of it.

I must admit, I didn't notice when I looked at the original company's "quote" as I thought it was at the time, that their contract is for 5 years...we won't even BE HERE for 5 years!!! I didn't look too closely, as I really was under the impression it was just a quote and that it was for the purpose of getting the car through the importation.

Any advice on what I can do here. I don't want to be bound to a contract for 5 years, and I don't like being hoodwinked into a contract they say is binding when I was under the impression all along it was a quote ready for use later on. They say I now need to pay them from April this year!

Thanks very much, sorry for the long explanation, it's complicated.
best wishes
Reply With Quote
The following 2 users groan at trailing-spouse for this post:
  #2  
Old 09.10.2013, 21:19
fatmanfilms's Avatar
Forum Legend
 
Join Date: Apr 2010
Location: Verbier
Posts: 10,339
Groaned at 147 Times in 125 Posts
Thanked 6,972 Times in 4,103 Posts
fatmanfilms has a reputation beyond reputefatmanfilms has a reputation beyond reputefatmanfilms has a reputation beyond reputefatmanfilms has a reputation beyond reputefatmanfilms has a reputation beyond reputefatmanfilms has a reputation beyond repute
Re: duped into a car insurance contract, advise please

Quote:
View Post
Hi All,

my OH's work has helped us import our car into CH. One of the things we were told to do was line up insurance for when the car was imported, as we couldn't even get through the process w/o something seen to be standing ready to go. We understood it as an insurance quote, ready to run when we gave the green light, after the car made it through the importation.

After 5 months - long I know - we've got the car imported. I tried in vain to get a hold of the insurance company (Zurivh) for 2 days and couldn't, so took out insurance with another company, wanting to be legal to drive. I then got an email from the original company saying our insurance was in force - so I had two policies, and the original one says their's is binding and I can't get out of it.

I must admit, I didn't notice when I looked at the original company's "quote" as I thought it was at the time, that their contract is for 5 years...we won't even BE HERE for 5 years!!! I didn't look too closely, as I really was under the impression it was just a quote and that it was for the purpose of getting the car through the importation.

Any advice on what I can do here. I don't want to be bound to a contract for 5 years, and I don't like being hoodwinked into a contract they say is binding when I was under the impression all along it was a quote ready for use later on. They say I now need to pay them from April this year!

Thanks very much, sorry for the long explanation, it's complicated.
best wishes
Welcome to Switzerland, 5 years is quite normal for car insurance sometimes more. They can't increase the premium so it does have an upside.
If you sell the car or hand back the Swiss plates you can cancel the insurance.
Reply With Quote
The following 4 users would like to thank fatmanfilms for this useful post:
  #3  
Old 09.10.2013, 21:23
Newbie 1st class
 
Join Date: Oct 2013
Location: Geneva
Posts: 14
Groaned at 14 Times in 10 Posts
Thanked 2 Times in 2 Posts
trailing-spouse has slipped a little
Re: duped into a car insurance contract, advise please

Quote:
View Post
Welcome to Switzerland, 5 years is quite normal for car insurance sometimes more. They can't increase the premium so it does have an upside.
If you sell the car or hand back the Swiss plates you can cancel the insurance.

Does anyone give policies for shorter periods of time? Or is this standard?
Any ideas if what is happening here is binding...ever changed your mind on an insurance policy?
thanks
Reply With Quote
This user groans at trailing-spouse for this post:
  #4  
Old 09.10.2013, 21:37
Sbrinz's Avatar
Forum Legend
 
Join Date: Oct 2011
Location: Murten - Morat
Posts: 8,122
Groaned at 295 Times in 191 Posts
Thanked 7,088 Times in 3,620 Posts
Sbrinz has a reputation beyond reputeSbrinz has a reputation beyond reputeSbrinz has a reputation beyond reputeSbrinz has a reputation beyond reputeSbrinz has a reputation beyond reputeSbrinz has a reputation beyond repute
Re: duped into a car insurance contract, advise please

The TCS / Basler insurance is one year renewable,

http://www.tcs.ch/fr/assurances/assu...rance-auto.php

Flexible
Contrat annuel : vous décidez librement de le renouveler d'année en année
.
Reply With Quote
  #5  
Old 09.10.2013, 21:38
Forum Legend
 
Join Date: Jun 2008
Location: Zurich
Posts: 3,082
Groaned at 74 Times in 56 Posts
Thanked 5,185 Times in 1,838 Posts
k_and_e has a reputation beyond reputek_and_e has a reputation beyond reputek_and_e has a reputation beyond reputek_and_e has a reputation beyond reputek_and_e has a reputation beyond reputek_and_e has a reputation beyond repute
Re: duped into a car insurance contract, advise please

what about a change of owner?: if it's on your name, transfer it to your husband's or vice versa.

see also here: http://en.comparis.ch/auto/info/glos...-wechseln.aspx
Reply With Quote
  #6  
Old 09.10.2013, 21:38
Newbie 1st class
 
Join Date: Oct 2013
Location: Geneva
Posts: 14
Groaned at 14 Times in 10 Posts
Thanked 2 Times in 2 Posts
trailing-spouse has slipped a little
Re: duped into a car insurance contract, advise please

Quote:
View Post
The TCS / Basler insurance is one year renewable,

http://www.tcs.ch/fr/assurances/assu...rance-auto.php

Flexible
Contrat annuel : vous décidez librement de le renouveler d'année en année
.

Really good to know, thanks.
Reply With Quote
This user would like to thank trailing-spouse for this useful post:
  #7  
Old 09.10.2013, 21:44
Newbie 1st class
 
Join Date: Oct 2013
Location: Geneva
Posts: 14
Groaned at 14 Times in 10 Posts
Thanked 2 Times in 2 Posts
trailing-spouse has slipped a little
Re: duped into a car insurance contract, advise please

Quote:
View Post
what about a change of owner?: if it's on your name, transfer it to your husband's or vice versa.

see also here: http://en.comparis.ch/auto/info/glos...-wechseln.aspx

I haven't seen that yet, thanks!

4. Change of owner:
With a change of ownership, rights and obligations from the existing liability insurance transfer to the new owner. The new owner may cancel this policy within 14 days after taking over ownership.

Liability insurance lapses as soon as the new vehicle licence is issued based on the proof of insurance from another company. Comprehensive insurance ends on the date of transfer of ownership. The premium will be refunded proportionally.


The thing is, because the vehicle has just been imported, we can't sell it for 1 year, or we get stuffed on tax I think. So I'm not sure if we can change the ownership from my OH to me or not!? Any ideas?
Reply With Quote
This user groans at trailing-spouse for this post:
  #8  
Old 09.10.2013, 21:45
fatmanfilms's Avatar
Forum Legend
 
Join Date: Apr 2010
Location: Verbier
Posts: 10,339
Groaned at 147 Times in 125 Posts
Thanked 6,972 Times in 4,103 Posts
fatmanfilms has a reputation beyond reputefatmanfilms has a reputation beyond reputefatmanfilms has a reputation beyond reputefatmanfilms has a reputation beyond reputefatmanfilms has a reputation beyond reputefatmanfilms has a reputation beyond repute
Re: duped into a car insurance contract, advise please

Quote:
View Post
Does anyone give policies for shorter periods of time? Or is this standard?
Any ideas if what is happening here is binding...ever changed your mind on an insurance policy?
thanks
Basically things are binding in CH, if you take the car off the road you can cancel the insurance.
Reply With Quote
  #9  
Old 09.10.2013, 21:49
Newbie 1st class
 
Join Date: Oct 2013
Location: Geneva
Posts: 14
Groaned at 14 Times in 10 Posts
Thanked 2 Times in 2 Posts
trailing-spouse has slipped a little
Re: duped into a car insurance contract, advise please

Quote:
View Post
Basically things are binding in CH, if you take the car off the road you can cancel the insurance.
Would 1 day suffice?
Reply With Quote
This user groans at trailing-spouse for this post:
  #10  
Old 09.10.2013, 21:52
Wallabies's Avatar
Forum Legend
 
Join Date: Sep 2011
Location: Winterthur
Posts: 2,868
Groaned at 259 Times in 139 Posts
Thanked 2,841 Times in 1,350 Posts
Wallabies has a reputation beyond reputeWallabies has a reputation beyond reputeWallabies has a reputation beyond reputeWallabies has a reputation beyond repute
Re: duped into a car insurance contract, advise please

By taking off the road they mean you cancel your certificates etc and then have to pay for the relevant tests when you reverse such a decision
Reply With Quote
  #11  
Old 09.10.2013, 21:55
Newbie 1st class
 
Join Date: Oct 2013
Location: Geneva
Posts: 14
Groaned at 14 Times in 10 Posts
Thanked 2 Times in 2 Posts
trailing-spouse has slipped a little
Re: duped into a car insurance contract, advise please

Quote:
View Post
By taking off the road they mean you cancel your certificates etc and then have to pay for the relevant tests when you reverse such a decision
No easy ecape then...
Reply With Quote
This user groans at trailing-spouse for this post:
  #12  
Old 09.10.2013, 22:02
fatmanfilms's Avatar
Forum Legend
 
Join Date: Apr 2010
Location: Verbier
Posts: 10,339
Groaned at 147 Times in 125 Posts
Thanked 6,972 Times in 4,103 Posts
fatmanfilms has a reputation beyond reputefatmanfilms has a reputation beyond reputefatmanfilms has a reputation beyond reputefatmanfilms has a reputation beyond reputefatmanfilms has a reputation beyond reputefatmanfilms has a reputation beyond repute
Re: duped into a car insurance contract, advise please

Quote:
View Post
Would 1 day suffice?
Probably not, I suspect the second insurer has to refund as the car was already insured.
Reply With Quote
This user would like to thank fatmanfilms for this useful post:
  #13  
Old 09.10.2013, 22:10
Newbie 1st class
 
Join Date: Oct 2013
Location: Geneva
Posts: 14
Groaned at 14 Times in 10 Posts
Thanked 2 Times in 2 Posts
trailing-spouse has slipped a little
Re: duped into a car insurance contract, advise please

Quote:
View Post
Probably not, I suspect the second insurer has to refund as the car was already insured.
yep, annoyingly, I'm sure the second one will be easy to get rid off and not the first!
Reply With Quote
This user groans at trailing-spouse for this post:
  #14  
Old 09.10.2013, 22:24
st2lemans's Avatar
Forum Legend
 
Join Date: Dec 2010
Location: Lugano
Posts: 12,338
Groaned at 494 Times in 402 Posts
Thanked 11,441 Times in 5,804 Posts
st2lemans has a reputation beyond reputest2lemans has a reputation beyond reputest2lemans has a reputation beyond reputest2lemans has a reputation beyond reputest2lemans has a reputation beyond reputest2lemans has a reputation beyond repute
Re: duped into a car insurance contract, advise please

Quote:
View Post
what about a change of owner?: if it's on your name, transfer it to your husband's or vice versa.
Transfer between husband/wife doesn't legally count (though it can be done ).

So, sell it to a friend for a day, then he sells back to husband, no problem!

Tom
Reply With Quote
  #15  
Old 09.10.2013, 22:30
Newbie 1st class
 
Join Date: Oct 2013
Location: Geneva
Posts: 14
Groaned at 14 Times in 10 Posts
Thanked 2 Times in 2 Posts
trailing-spouse has slipped a little
Re: duped into a car insurance contract, advise please

Quote:
View Post
Transfer between husband/wife doesn't legally count (though it can be done ).

So, sell it to a friend for a day, then he sells back to husband, no problem!

Tom

VERY tempting, wonder if we'd get away with it
Reply With Quote
This user groans at trailing-spouse for this post:
  #16  
Old 09.10.2013, 22:37
3Wishes's Avatar
Moderately Amused
 
Join Date: Jul 2010
Location: Bern area
Posts: 4,607
Groaned at 24 Times in 22 Posts
Thanked 5,363 Times in 2,606 Posts
3Wishes has a reputation beyond repute3Wishes has a reputation beyond repute3Wishes has a reputation beyond repute3Wishes has a reputation beyond repute3Wishes has a reputation beyond repute3Wishes has a reputation beyond repute
Re: duped into a car insurance contract, advise please

I'm curious how you were duped. If the contract is real and enforceable, it has your original signature on it...which in theory means you read and understood and accepted the terms. It would also have an original signature from the agent. Do you have your copy? I'd take a look at it to be sure. Hope you are at least able to cancel the second even if you are stuck with the first. Make sure to do it with a registered letter.
Reply With Quote
This user would like to thank 3Wishes for this useful post:
  #17  
Old 09.10.2013, 22:42
Newbie 1st class
 
Join Date: Oct 2013
Location: Geneva
Posts: 14
Groaned at 14 Times in 10 Posts
Thanked 2 Times in 2 Posts
trailing-spouse has slipped a little
Re: duped into a car insurance contract, advise please

Quote:
View Post
I'm curious how you were duped. If the contract is real and enforceable, it has your original signature on it...which in theory means you read and understood and accepted the terms. It would also have an original signature from the agent. Do you have your copy? I'd take a look at it to be sure. Hope you are at least able to cancel the second even if you are stuck with the first. Make sure to do it with a registered letter.

The problem there is that we did things through an intermediary, who advised us, so we trusted their Swiss opinion and did as we thought necessary. We were told it was to be set in place, ready for importation, not before hand. Thus, it wasn't effective till we gave the green light that it had passed the importation.
Reply With Quote
This user groans at trailing-spouse for this post:
  #18  
Old 09.10.2013, 22:43
st2lemans's Avatar
Forum Legend
 
Join Date: Dec 2010
Location: Lugano
Posts: 12,338
Groaned at 494 Times in 402 Posts
Thanked 11,441 Times in 5,804 Posts
st2lemans has a reputation beyond reputest2lemans has a reputation beyond reputest2lemans has a reputation beyond reputest2lemans has a reputation beyond reputest2lemans has a reputation beyond reputest2lemans has a reputation beyond repute
Re: duped into a car insurance contract, advise please

Quote:
View Post
VERY tempting, wonder if we'd get away with it
In your case, you won't, because of the tax issue of importing.

Anyway, what's the problem, is there a big price difference?

Tom
Reply With Quote
  #19  
Old 09.10.2013, 22:44
Newbie 1st class
 
Join Date: Oct 2013
Location: Geneva
Posts: 14
Groaned at 14 Times in 10 Posts
Thanked 2 Times in 2 Posts
trailing-spouse has slipped a little
Re: duped into a car insurance contract, advise please

PS: the Swiss person deals with car imports all the time professionally so we trusted them. He's now denying responsibility for the mis-communication.
Reply With Quote
This user groans at trailing-spouse for this post:
  #20  
Old 09.10.2013, 22:46
AbFab's Avatar
Forum Legend
 
Join Date: Sep 2006
Location: Züri Oberland
Posts: 6,081
Groaned at 293 Times in 190 Posts
Thanked 6,862 Times in 2,467 Posts
AbFab has a reputation beyond reputeAbFab has a reputation beyond reputeAbFab has a reputation beyond reputeAbFab has a reputation beyond reputeAbFab has a reputation beyond reputeAbFab has a reputation beyond repute
Re: duped into a car insurance contract, advise please

Have you actually explained the situation in full to the Zurich (well, it will be one of the agencies)?? I am sure they are quite reasonable, particularly when they could not be contacted for two (hopefully) working days.

I'm not sure when you insurance started. Was it arranged and signed 5 months ago to come into effect when you tell them the car is here? Did you actually sign a contract??
Reply With Quote
The following 2 users would like to thank AbFab for this useful post:
Reply




Currently Active Users Viewing This Thread: 1 (0 members and 1 guests)
 
Thread Tools
Display Modes

Posting Rules
You may not post new threads
You may not post replies
You may not post attachments
You may not edit your posts

BB code is On
Smilies are On
[IMG] code is On
HTML code is Off
Trackbacks are Off
Pingbacks are Off
Refbacks are Off


Similar Threads
Thread Thread Starter Forum Replies Last Post
Opinions on Swiss Car Insurance Providers Please! Murphy Insurance 40 16.03.2013 21:57
advise in making a Swiss IT business contract AndyTWoods Business & entrepreneur 2 21.11.2011 16:31
Swiss car insurance contract in English Navouhodonosor Insurance 7 07.06.2011 14:12
Winter Seasonal Work Advise please Planzer_New_Zealand Employment 7 10.11.2010 17:31
Please give me advise. Plus Employment 29 20.03.2009 09:55


All times are GMT +1. The time now is 04:10.


Powered by vBulletin® Version 3.8.4
Copyright ©2000 - 2014, Jelsoft Enterprises Ltd.
LinkBacks Enabled by vBSEO 3.1.0