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  #21  
Old 26.03.2015, 10:50
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Re: Change of car insurance

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No. You do not need a license to get insurance and register a car in your name.

And as it is temporary only, the cost of the insurance is a not a big deal.
In the contract of insurance there is inquiry about the driver's license. Although in practice it might not be verified by the insurer but why take a chance.

Anyway, my simple question was rather if I could terminate the contract prior its expiry date, since they normally run on 5 year basis, by simply cancelling it with reasonable period of notice.

The answer seems to be "NO". Anyway, thank you for your replies. Simples.
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  #22  
Old 26.03.2015, 11:02
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Re: Change of car insurance

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In the contract of insurance there is inquiry about the driver's license. Although in practice it might not be verified by the insurer but why take a chance.
You simply state that you/she do/does not have one or only a learners permit. No big deal. Most likely needs an actual agent who you can talk to and may not work online. As said, mine was very helpful.
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  #23  
Old 26.03.2015, 11:21
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Re: Change of car insurance

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No it's not because girlfriend or wife has to have a valid license to be able to have the insurance contract singed on her name.
No, they do not.

Both of my daughters have had vehicles registered/insured in their names with no license, one still does (and she lives in LA).

Tom
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Old 26.03.2015, 11:43
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Re: Change of car insurance

One can legally have a car and no license at all. During asking for the insurance quote you just inform that the main driver is not the policyholder but someone else.

It is perfectly possible for a spouse to have a car registered to them and the other spouse to drive it with the insurance being informed that the main driver is the latter.

We're not talking about insurance fraud or something, it's perfectly legal to do this.

Also I thought that in the case of changing permits the premiums change (different risk for different permits) and that in some contracts that is a reason to terminate early.

Just transfer the ownership to your gf/wife. STVA can even let you keep the plates and roadtax/insurance is billed per day so the only thing that this will actually cost you is about 60-70Fr which is the cost for registration and new grey card (at least in ZH).
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Old 26.03.2015, 11:46
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Re: Change of car insurance

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No, they do not.

Both of my daughters have had vehicles registered/insured in their names with no license, one still does (and she lives in LA).

Tom
I think the confusion often comes from people who lived in the UK and assume that the driver is insured, as opposed to the vehicle. In Switzerland, the vehicle is insured, so it makes sense that the insurance holder does not need to hold a driving license. Why would they need to? Without a driving license, they are not allowed to drive the car, but they can still insure it and allow others to drive it.

Note, that if you have someone else using the car frequently, insurers will require you to name these other users in the contract.

There's nothing wrong with doing the swap this way really and I believe it is a minor inconvenience which - at least in my case - resulted in savings of over 30% in the insurance premium.
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Old 26.03.2015, 12:04
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Re: Change of car insurance

Ok, good folks you convinced me with your arguments. I hoped that competition isurance group would suggest alike on the phone
Back in RSA when you own the vehicle, you will most likely drive it and the DL is also your evidence document used everywhere.

I'm usually skeptical towards providing false information but in this case it seems to be reasonable and justified. After all it's a game for insuring company to make money from their clients and for us customers to prevent paying excessive premiums. No daylight crime but sheer reaction of the market towards competition. Therefore the wife can be rightful owner of the vehicle
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Old 26.03.2015, 12:06
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Re: Change of car insurance

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O
I'm usually skeptical towards providing false information but in this case it seems to be reasonable and justified. After all it's a game for insuring company to make money from their clients and for us customers to prevent paying excessive premiums. No daylight crime but sheer reaction of the market towards competition
What?? Nobody said anything about false information! That would be fraud.
State the truth and the facts or you are in big trouble.
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Old 26.03.2015, 12:11
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Re: Change of car insurance

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What?? Nobody said anything about false information! That would be fraud.
State the truth and the facts or you are in big trouble.
False in a sense what is a true intention behind switching registrations
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Old 26.03.2015, 12:17
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Re: Change of car insurance

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False in a sense what is a true intention behind switching registrations
Intention: The car has a new holder, with its own insurance contract. Nothing sinister.
Beauty of the process: You do not even have to deal with your old insurance as all is done by the registration place.
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Old 26.03.2015, 12:48
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Re: Change of car insurance

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Intention: The car has a new holder, with its own insurance contract. Nothing sinister.
Beauty of the process: You do not even have to deal with your old insurance as all is done by the registration place.
Sounds good and convincing ... Can I have your GF's number now?
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  #31  
Old 26.03.2015, 12:57
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Re: Change of car insurance

Also note that vehicle ownership and registration with the STVA are two separate things. E.g. the vehicle might be owned by person A, but it might be registered to person B.

Conveniently, there is no such thing as a registry of vehicle owners (at least for personal transportation AFAIK). This is why selling a car privately is a simple process of unregistering the car, handing it over to the new owner, who then may or may not register it right away under their name.

Example: at one point I was selling a motorbike to a trusted person, so I just handed over the bike and the grey card for some sweet moolah. The new owner then went and cancelled the old registration and put in a new one under his name. So he owned the bike while it was still registered under my name and I didn't need to be present when he cancelled the old registration!

Note that you don't want to do the above unless you really trust the new owner, since as long as the vehicle is registered under your name, you are responsible for any traffic violations committed with it (unless you can get the actual culprit to confess).
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  #32  
Old 26.03.2015, 13:47
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Re: Change of car insurance

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Also note that vehicle ownership and registration with the STVA are two separate things. E.g. the vehicle might be owned by person A, but it might be registered to person B.

Conveniently, there is no such thing as a registry of vehicle owners (at least for personal transportation AFAIK). This is why selling a car privately is a simple process of unregistering the car, handing it over to the new owner, who then may or may not register it right away under their name.

Example: at one point I was selling a motorbike to a trusted person, so I just handed over the bike and the grey card for some sweet moolah. The new owner then went and cancelled the old registration and put in a new one under his name. So he owned the bike while it was still registered under my name and I didn't need to be present when he cancelled the old registration!

Note that you don't want to do the above unless you really trust the new owner, since as long as the vehicle is registered under your name, you are responsible for any traffic violations committed with it (unless you can get the actual culprit to confess).
Or just get your license plates when handing over a car/bike.
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  #33  
Old 26.03.2015, 15:44
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Re: Change of car insurance

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Note that you don't want to do the above unless you really trust the new owner, since as long as the vehicle is registered under your name, you are responsible for any traffic violations committed with it (unless you can get the actual culprit to confess).
Just as important:
The STVA doesn't make sure the other guy is the legal owner, they'll simply do as asked and re-register. So anybody can have a car re-registered in his name, say it's legally his own and drive away into the sunset if he possesses the keys and the old grey card. And the rightful owner will have a very tough time proving he didn't sell.

Do not hand keys plus grey card (or just the keys if the grey card is in the car already) to anybody unless you fully trust them.
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