Go Back   English Forum Switzerland > Help & tips > Insurance
Reply
 
Thread Tools Display Modes
  #1  
Old 01.06.2014, 12:05
Junior Member
 
Join Date: Jun 2012
Location: Zürich
Posts: 33
Groaned at 0 Times in 0 Posts
Thanked 16 Times in 12 Posts
Zombi has no particular reputation at present
Change of car insurance

Hi All,

A little background:
I've bought a car in CH end of April this year. I had L permit back then.
I've received my B permit 2 weeks after I bought the car.

The current insurer is quite expensive. If I check the quotes with my current 'parameters' it gives me an offert 33% less I have currently.

I've asked the the current company if we can do anything about this, they claim that it has nothing to do with my permit. (well, it obviously does)

Another problem is that I put 20000 km on the contract (I didn't know that if I exceed that, the insurance won't cover the damage)
Can I get that change afterwards? (sure I know I should call them, but it's a pain in the ... that they are not really eager to speak English )

The question is:
Is there a time when I am allowed to change insurer? How does it work here?

Thanks
Z
Reply With Quote
  #2  
Old 01.06.2014, 12:08
Sbrinz's Avatar
Forum Legend
 
Join Date: Oct 2011
Location: Murten - Morat
Posts: 10,970
Groaned at 542 Times in 342 Posts
Thanked 10,577 Times in 5,409 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: Change of car insurance

You can change your insurance contract on a car by,
a) waiting for the 7 year contract to finish
b) selling the car
c) leaving Switzerland permanently

Next time look here first https://en.comparis.ch/auto/default.aspx
Reply With Quote
  #3  
Old 01.06.2014, 12:13
Wallabies's Avatar
Forum Legend
 
Join Date: Sep 2011
Location: Winterthur
Posts: 3,199
Groaned at 317 Times in 182 Posts
Thanked 3,293 Times in 1,565 Posts
Wallabies has a reputation beyond reputeWallabies has a reputation beyond reputeWallabies has a reputation beyond reputeWallabies has a reputation beyond repute
Re: Change of car insurance

Quote:
View Post
You can change your insurance contract on a car by,
a) waiting for the 7 year contract to finish
b) selling the car
c) leaving Switzerland permanently

Next time look here first https://en.comparis.ch/auto/default.aspx
What 7 year contract that is false, ever since I had car insurance here it has been 1 year at a time and dead easy to change companies each year
Reply With Quote
This user would like to thank Wallabies for this useful post:
  #4  
Old 01.06.2014, 12:19
Junior Member
 
Join Date: Jun 2012
Location: Zürich
Posts: 33
Groaned at 0 Times in 0 Posts
Thanked 16 Times in 12 Posts
Zombi has no particular reputation at present
Re: Change of car insurance

Quote:
View Post
You can change your insurance contract on a car by,
a) waiting for the 7 year contract to finish
b) selling the car
c) leaving Switzerland permanently

Next time look here first https://en.comparis.ch/auto/default.aspx
7 years? gee... what if I just dump the reg plate and tell sva that I am not using the car anymore. Wouln't that cancel the insurance automatically.

And the week after I go to sva again with a new insurance, and tell them hey, I need a reg plate I had change my mind...
Reply With Quote
  #5  
Old 01.06.2014, 12:28
Sbrinz's Avatar
Forum Legend
 
Join Date: Oct 2011
Location: Murten - Morat
Posts: 10,970
Groaned at 542 Times in 342 Posts
Thanked 10,577 Times in 5,409 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: Change of car insurance

As you are whingeing, I assumed you had a 7 year contract (Maybe there are 1 year contracts, but after living 25 years here, I never met one)

I have given you my 3 options, why not try your 4th option and see if it works? Do come back and tell us please.
Reply With Quote
This user would like to thank Sbrinz for this useful post:
  #6  
Old 01.06.2014, 12:31
Junior Member
 
Join Date: Jun 2012
Location: Zürich
Posts: 33
Groaned at 0 Times in 0 Posts
Thanked 16 Times in 12 Posts
Zombi has no particular reputation at present
Re: Change of car insurance

Quote:
View Post
What 7 year contract that is false, ever since I had car insurance here it has been 1 year at a time and dead easy to change companies each year
May I ask you what company you are talking about?
thx
Reply With Quote
  #7  
Old 01.06.2014, 12:37
Wallabies's Avatar
Forum Legend
 
Join Date: Sep 2011
Location: Winterthur
Posts: 3,199
Groaned at 317 Times in 182 Posts
Thanked 3,293 Times in 1,565 Posts
Wallabies has a reputation beyond reputeWallabies has a reputation beyond reputeWallabies has a reputation beyond reputeWallabies has a reputation beyond repute
Re: Change of car insurance

Zurich
Reply With Quote
This user would like to thank Wallabies for this useful post:
  #8  
Old 01.06.2014, 12:43
MrVertigo's Avatar
Forum Legend
 
Join Date: Feb 2010
Location: CH
Posts: 3,067
Groaned at 77 Times in 65 Posts
Thanked 5,294 Times in 2,060 Posts
MrVertigo has a reputation beyond reputeMrVertigo has a reputation beyond reputeMrVertigo has a reputation beyond reputeMrVertigo has a reputation beyond reputeMrVertigo has a reputation beyond reputeMrVertigo has a reputation beyond repute
Re: Change of car insurance

Most insurance companies do take into account the type of permit and nationality when making an offer.
Check your contract for contract termination. I wouldn't cancel before you have a better offer in hands. As pointed out, a good solution is to ask for offers through Comparis.
Reply With Quote
  #9  
Old 01.06.2014, 12:46
fatmanfilms's Avatar
Forum Legend
 
Join Date: Apr 2010
Location: Verbier
Posts: 13,775
Groaned at 209 Times in 181 Posts
Thanked 11,088 Times in 6,288 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: Change of car insurance

Quote:
View Post
As you are whingeing, I assumed you had a 7 year contract (Maybe there are 1 year contracts, but after living 25 years here, I never met one)

I have given you my 3 options, why not try your 4th option and see if it works? Do come back and tell us please.
Zurich connect is a 1 year contract, Zurich arranged by an agent is 5 years. The advantage being you get a green card valid for 5 years rather than 1 year.
Reply With Quote
  #10  
Old 02.06.2014, 13:39
aSwissInTheUS's Avatar
Forum Legend
 
Join Date: Nov 2007
Location: Zurich area
Posts: 5,061
Groaned at 40 Times in 38 Posts
Thanked 7,137 Times in 3,240 Posts
aSwissInTheUS has a reputation beyond reputeaSwissInTheUS has a reputation beyond reputeaSwissInTheUS has a reputation beyond reputeaSwissInTheUS has a reputation beyond reputeaSwissInTheUS has a reputation beyond reputeaSwissInTheUS has a reputation beyond repute
Re: Change of car insurance

Quote:
View Post
You can change your insurance contract on a car by,
a) waiting for the X year contract to finish and not missing the next cancellation date
b) selling the car
c) leaving Switzerland permanently
d) making a claim
Fixed it.
Reply With Quote
The following 2 users would like to thank aSwissInTheUS for this useful post:
  #11  
Old 25.03.2015, 22:51
jacek's Avatar
Forum Legend
 
Join Date: Oct 2007
Location: Aargau
Posts: 7,446
Groaned at 96 Times in 76 Posts
Thanked 4,827 Times in 2,766 Posts
jacek has a reputation beyond reputejacek has a reputation beyond reputejacek has a reputation beyond reputejacek has a reputation beyond reputejacek has a reputation beyond reputejacek has a reputation beyond repute
Re: Change of car insurance

I have a car insurance with Zurich running until 2018 (contract termination date stipulated in insurance policy). Recently, I discovered by means of comparis that similar cover from Allianz24 would save me 50% per annum. When the agent from Allianz24 called me today, I asked if they could handle the cancellation. They said they couldn't do that themselves (unlike in case of health insurance when switching the providers, comparis can handle for you the Kündigung process). Adviced me to contact Zurich and ask.

Before, I do that and start pissing anyone off, I had better asked on the EF first. Is it practically possible to switch currently running car insurance prior its expiry date? Or is the policy termination date strictly and contractually binding?

Shall I then just send them a cancellation out of the blue?

Many thanks.
__________________
🎾That's what we do to help English speaking expats community in Switzerland:
General Information About Swiss Tennis
Tennis Lessons Summer Winter Seasons
🎾🎾Our charity organization to help unprivileged kids to realize their dreams:
FMTF Supports Tennis For Children in Southern Africa
Reply With Quote
  #12  
Old 25.03.2015, 23:04
st2lemans's Avatar
Forum Legend
 
Join Date: Dec 2010
Location: Lugano
Posts: 18,143
Groaned at 926 Times in 722 Posts
Thanked 19,732 Times in 9,480 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: Change of car insurance

Sell the car to your wife/girlfriend. and re-register.

Tom
Reply With Quote
The following 4 users would like to thank st2lemans for this useful post:
  #13  
Old 25.03.2015, 23:15
jacek's Avatar
Forum Legend
 
Join Date: Oct 2007
Location: Aargau
Posts: 7,446
Groaned at 96 Times in 76 Posts
Thanked 4,827 Times in 2,766 Posts
jacek has a reputation beyond reputejacek has a reputation beyond reputejacek has a reputation beyond reputejacek has a reputation beyond reputejacek has a reputation beyond reputejacek has a reputation beyond repute
Re: Change of car insurance

Quote:
View Post
Sell the car to your wife/girlfriend. and re-register.

Tom
Look Tom, thank you but I need the least complicated scenario. I don't wanna go about it Italian way

When push comes to shove, I can live with "50% paid more" kind of discomfort.
Reply With Quote
This user groans at jacek for this post:
  #14  
Old 26.03.2015, 09:28
aSwissInTheUS's Avatar
Forum Legend
 
Join Date: Nov 2007
Location: Zurich area
Posts: 5,061
Groaned at 40 Times in 38 Posts
Thanked 7,137 Times in 3,240 Posts
aSwissInTheUS has a reputation beyond reputeaSwissInTheUS has a reputation beyond reputeaSwissInTheUS has a reputation beyond reputeaSwissInTheUS has a reputation beyond reputeaSwissInTheUS has a reputation beyond reputeaSwissInTheUS has a reputation beyond repute
Re: Change of car insurance

Quote:
View Post
Look Tom, thank you but I need the least complicated scenario. I don't wanna go about it Italian way
I ain't no Italian

What Tom suggest is indeed the least complicated scenario.
My agent was very helpful with the procedure (drawing up to insurance contract), which is absolutely simple.
Reply With Quote
The following 2 users would like to thank aSwissInTheUS for this useful post:
  #15  
Old 26.03.2015, 09:44
xynth's Avatar
Forum Veteran
 
Join Date: Aug 2006
Location: Zurich
Posts: 764
Groaned at 37 Times in 24 Posts
Thanked 1,693 Times in 508 Posts
xynth has a reputation beyond reputexynth has a reputation beyond reputexynth has a reputation beyond reputexynth has a reputation beyond reputexynth has a reputation beyond reputexynth has a reputation beyond repute
Re: Change of car insurance

Quote:
View Post
Sell the car to your wife/girlfriend. and re-register.

Tom
This is indeed your only option. The actual sale is entirely optional, but for all intents and purposes, you can verbally agree with your girlfriend that she'll buy your car for a token 1 CHF, lol.

1. Arrange offer with new insurer, do not sign it yet.
2. Go to the STVA, de-register the car (have them stamp the vehicle's grey card as void).
3. Call your insurer saying you sold the car and want to cancel your contract. They'll likely want you to send them a registered letter. Do that.
4. Wait until you get a letter from your current insurer that they have received notification that your car was de-registered.
4. Sign the insurance with your new insurer
5. Pick up your new grey card from STVA
6. Drive off into the sunset and blow all the money you saved on worldly delights.
Reply With Quote
This user would like to thank xynth for this useful post:
  #16  
Old 26.03.2015, 09:52
aSwissInTheUS's Avatar
Forum Legend
 
Join Date: Nov 2007
Location: Zurich area
Posts: 5,061
Groaned at 40 Times in 38 Posts
Thanked 7,137 Times in 3,240 Posts
aSwissInTheUS has a reputation beyond reputeaSwissInTheUS has a reputation beyond reputeaSwissInTheUS has a reputation beyond reputeaSwissInTheUS has a reputation beyond reputeaSwissInTheUS has a reputation beyond reputeaSwissInTheUS has a reputation beyond repute
Re: Change of car insurance

xynth, nicely explained but your version has a major draw back. There is a period when you cannot drive the car. That's why the GF/wife method is better.

So here is the GF/wif procedure:

Get a insurance contract for your wife.
Transfer registration to wife.
Wait for reimbursement from old insurance.
Finalize your own new contract.
Transfer registration back to you.

And as you said, there does not need to be an actual sale or transfer of ownership, transfer of registration is all what is needed.
Reply With Quote
The following 2 users would like to thank aSwissInTheUS for this useful post:
  #17  
Old 26.03.2015, 09:56
jacek's Avatar
Forum Legend
 
Join Date: Oct 2007
Location: Aargau
Posts: 7,446
Groaned at 96 Times in 76 Posts
Thanked 4,827 Times in 2,766 Posts
jacek has a reputation beyond reputejacek has a reputation beyond reputejacek has a reputation beyond reputejacek has a reputation beyond reputejacek has a reputation beyond reputejacek has a reputation beyond repute
Re: Change of car insurance

Quote:
View Post
xynth, nicely explained but your version has a major draw back. There is a period when you cannot drive the car. That's why the GF/wife method is better.

So here is the GF/wif procedure:

Get a insurance contract for your wife.
Transfer registration to wife.
Wait for reimbursement from old insurance.
Finalize your own new contract.
Transfer registration back to you.

And as you said, there does not need to be an actual sale or transfer of ownership, transfer of registration is all what is needed.
...
5. Arrange for studio cell in jail.
6. Switch studio cell to double cell in jail (just in case your wife/GF joins you).
...



Wife has learners license only
Reply With Quote
This user groans at jacek for this post:
  #18  
Old 26.03.2015, 10:03
st2lemans's Avatar
Forum Legend
 
Join Date: Dec 2010
Location: Lugano
Posts: 18,143
Groaned at 926 Times in 722 Posts
Thanked 19,732 Times in 9,480 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: Change of car insurance

No jail, it's perfectly legal.

Tom
Reply With Quote
The following 2 users would like to thank st2lemans for this useful post:
This user groans at st2lemans for this post:
  #19  
Old 26.03.2015, 10:05
jacek's Avatar
Forum Legend
 
Join Date: Oct 2007
Location: Aargau
Posts: 7,446
Groaned at 96 Times in 76 Posts
Thanked 4,827 Times in 2,766 Posts
jacek has a reputation beyond reputejacek has a reputation beyond reputejacek has a reputation beyond reputejacek has a reputation beyond reputejacek has a reputation beyond reputejacek has a reputation beyond repute
Re: Change of car insurance

Quote:
View Post
No jail, it's perfectly legal.

Tom
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.
Reply With Quote
This user groans at jacek for this post:
  #20  
Old 26.03.2015, 10:42
aSwissInTheUS's Avatar
Forum Legend
 
Join Date: Nov 2007
Location: Zurich area
Posts: 5,061
Groaned at 40 Times in 38 Posts
Thanked 7,137 Times in 3,240 Posts
aSwissInTheUS has a reputation beyond reputeaSwissInTheUS has a reputation beyond reputeaSwissInTheUS has a reputation beyond reputeaSwissInTheUS has a reputation beyond reputeaSwissInTheUS has a reputation beyond reputeaSwissInTheUS has a reputation beyond repute
Re: Change of car insurance

Quote:
View Post
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. 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.
Reply With Quote
This user would like to thank aSwissInTheUS 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
Moving Cantons - Change of car licence plate StephenRocke Transportation/driving 1 17.03.2014 12:15
Change of canton- Car registration MaxMan Transportation/driving 10 10.01.2012 16:02
Basic insurance change with canton change: What should I consider? jttraveller Insurance 0 08.10.2011 14:40
Car insurance with owner of car in family TradeTicker Insurance 8 11.02.2011 15:41
Change of Car Registration Istebraq Permits/visas/government 16 14.01.2010 13:54


All times are GMT +2. The time now is 07:53.


Powered by vBulletin® Version 3.8.4
Copyright ©2000 - 2016, Jelsoft Enterprises Ltd.
LinkBacks Enabled by vBSEO 3.1.0