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  #41  
Old 04.11.2014, 00:38
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Re: Car insurance differ in premiums for Swiss and non-Swiss persons

Oh my...
http://www.20min.ch/schweiz/zentrals...story/25686739
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  #42  
Old 04.11.2014, 09:57
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Re: Car insurance differ in premiums for Swiss and non-Swiss persons

Well it only proves that high excess in the insurance for young drivers is justified This, and that swiss drivers are terrible :P How can you crash a car that has 12 different systems that help you to drive it? :P
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  #43  
Old 04.11.2014, 21:59
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Re: Car insurance differ in premiums for Swiss and non-Swiss persons

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Well it only proves that high excess in the insurance for young drivers is justified This, and that swiss drivers are terrible
The driver is a Kosovar...
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  #44  
Old 04.11.2014, 22:57
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Re: Car insurance differ in premiums for Swiss and non-Swiss persons

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The driver is a Kosovar...
Oh dear :> Where did he get the money for a Beemer? :>
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  #45  
Old 04.11.2014, 23:38
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Re: Car insurance differ in premiums for Swiss and non-Swiss persons

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Oh dear :> Where did he get the money for a Beemer? :>
Your guess is as good as mine :-)

That said, I have a co-worker who used to sell cars (very early in his professional life).
He once mentioned that there were cases where five people (not necessarily from the same family) signed a leasing deal for an expensive car (like an M5), so they could use it alternately...

AFAIK, if it's a leased car, he will have to basically pay it off in full.
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  #46  
Old 04.11.2014, 23:58
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Re: Car insurance differ in premiums for Swiss and non-Swiss persons

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Your guess is as good as mine :-)

That said, I have a co-worker who used to sell cars (very early in his professional life).
He once mentioned that there were cases where five people (not necessarily from the same family) signed a leasing deal for an expensive car (like an M5), so they could use it alternately...

AFAIK, if it's a leased car, he will have to basically pay it off in full.
And his premium was sky-high anyways
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  #47  
Old 05.11.2014, 14:17
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Re: Car insurance differ in premiums for Swiss and non-Swiss persons

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And his premium was sky-high anyways
If not already, it definitely will be. But he won't need to worry about that for an extended period as his license has been confiscated.
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  #48  
Old 15.02.2015, 17:15
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Re: Car insurance differ in premiums for Swiss and non-Swiss persons

Hi everyone! My name is Robert and I'm new on this forum.
I am in Switzerland since 2013 with B permit and thinking to buy a car in the next 2 months, but the premiums for car insurance differ for Swiss and non Swiss persons, even up to 350 CHF on comparis.ch. I'm hungarian and wondering if there is a way paying less as foreigner.
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  #49  
Old 15.02.2015, 17:35
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Re: Car insurance differ in premiums for Swiss and non-Swiss persons

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Hi everyone! My name is Robert and I'm new on this forum.
I am in Switzerland since 2013 with B permit and thinking to buy a car in the next 2 months, but the premiums for car insurance differ for Swiss and non Swiss persons, even up to 350 CHF on comparis.ch. I'm hungarian and wondering if there is a way paying less as foreigner.
In addition to this, you will also pay more, considerably more if the car is leased as oposed to a straight purchase (either cash or via bank loan)

- A bank loan is same as buying for cash as once you have the loan from the bank you can spend it on what you want, wine, wife or cars, a lease you only have use of the car for a certain period of time...
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  #50  
Old 15.02.2015, 18:35
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Re: Car insurance differ in premiums for Swiss and non-Swiss persons

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In addition to this, you will also pay more, considerably more if the car is leased as oposed to a straight purchase (either cash or via bank loan)
Nonsense.

Tom
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  #51  
Old 15.02.2015, 18:41
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Re: Car insurance differ in premiums for Swiss and non-Swiss persons

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Hi everyone! My name is Robert and I'm new on this forum.
I am in Switzerland since 2013 with B permit and thinking to buy a car in the next 2 months, but the premiums for car insurance differ for Swiss and non Swiss persons, even up to 350 CHF on comparis.ch. I'm hungarian and wondering if there is a way paying less as foreigner.
I'm afraid that you will pay around 20% more than Swiss person (or from a neighbouring country). I went through it myself. I can recommend Allianz which provided me with the best options. Get a quote online and then go to the agent and barter a bit. You should get some discount. Good luck!

Last edited by JakubB; 15.02.2015 at 19:32.
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  #52  
Old 15.02.2015, 21:26
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Re: Car insurance differ in premiums for Swiss and non-Swiss persons

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Nonsense.

Tom

Tom, all i can say is try it in Comparis or whatever !

Put your parameters in and then change it from leasing to purchase outright.

(appologise to Today only)

The reasoning, (incorrectly) is people talke less care of a leasing so more liley to get damaged (total crap as yopu have to reurn the car in pristine state)

Real reason : People can't afford to buy cars out right and prefer leasing,( i think about 65% of cars are leased here, although that maybe wrong)

The insirance companyies have worked this out, found an angle and then increase their premiums. The risk is exactly the same, i fully agree with oyu, but it's just a way the insurance companies screw you for more.

My car weas nearly Chf 400.-- per year more in insurance if i had had a leasingrather than being outright owner.

The leasing is written in the premis circulation so no cheating this way !
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  #53  
Old 15.02.2015, 23:02
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Re: Car insurance differ in premiums for Swiss and non-Swiss persons

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The leasing is written in the premis circulation so no cheating this way !
Mine wasn't.

Tom
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  #54  
Old 16.02.2015, 00:44
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Re: Car insurance differ in premiums for Swiss and non-Swiss persons

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The insirance companyies have worked this out, found an angle and then increase their premiums. The risk is exactly the same, i fully agree with oyu, but it's just a way the insurance companies screw you for more.
i doubt this is the case tbh, it's a free market, the profit margins run on the same line. Also you can't say that only considering your personal case, maybe your profile as a car owner is very low-risk and they make you pay less for that, but if you drive a leased car maybe not so much, depends on how the insurers make their calculations. Depends on the car too, people that lease a car they can't afford (maybe a sporty car) are more risk-prone probably.
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  #55  
Old 16.02.2015, 09:40
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Re: Car insurance differ in premiums for Swiss and non-Swiss persons

I just run these through Comparis, a 1.2l DSG Polo high line, 5 doors 2014 car, so hardly a sporty car, rather a second car run about really.

Every detail remain dthe SAME apaprt from finance on the car, 53 year old driver, licens e sind 1980, casco complet, full no claims, Swiss citizen, so pretty much as standard, plain white sliced bread as you can get

PAYMENT CASH
https://en.comparis.ch/auto/berechne...3-da3ce77b721d

PAYMENT LEASING
https://en.comparis.ch/auto/berechne...a-a938529a1601
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  #56  
Old 16.02.2015, 09:46
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Re: Car insurance differ in premiums for Swiss and non-Swiss persons

I think the fact that they have to be handed back pristine is the reason that lease insurance premiums are higher... its the higher claims on casco as leases near the end of there term, so the car can be returned pristine.

IE. My lease has 8 months to run and apart from the small parking dent picked up last month to the rear bumper pristine, so I will claim that on casco just before the car is to be returned... just incase someone else wants to use my car instead of rear camera/parking sensors/eyes/good grace to own up... delete as appropriate. If it were my car I would leave it, the garage will see it as a sign that it's been entered in the BTCC and will nail me for it.
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Old 16.02.2015, 09:51
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Re: Car insurance differ in premiums for Swiss and non-Swiss persons

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i doubt this is the case tbh, it's a free market, the profit margins run on the same line. Also you can't say that only considering your personal case, maybe your profile as a car owner is very low-risk and they make you pay less for that, but if you drive a leased car maybe not so much, depends on how the insurers make their calculations. Depends on the car too, people that lease a car they can't afford (maybe a sporty car) are more risk-prone probably.
Free market ????????????? it's a bloody cartel !

That's exactly what i said, but where is the increased risk as the driver, the car and all the rest remain the same; the way i finance my car is my business and has no bearing on the risk, especially with a leased car than needs to be returned in PRISTINE condition or you pay.

Sporty cars, how many 65hp Fiat Panda's you see around here and hop many 200 HP + cars you see ?

Sure my profile is low risk but that is what you have to compare with as anything esle will skew the results and then it becomes uncomparable as too many factors come into play that we probably do not fully understand in the world of risk assesment.

Check your own case on Comparis, the choice for leasing or not is on page 1 of the form.
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  #58  
Old 16.02.2015, 10:01
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Re: Car insurance differ in premiums for Swiss and non-Swiss persons

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I think the fact that they have to be handed back pristine is the reason that lease insurance premiums are higher... its the higher claims on casco as leases near the end of there term, so the car can be returned pristine.

IE. My lease has 8 months to run and apart from the small parking dent picked up last month to the rear bumper pristine, so I will claim that on casco just before the car is to be returned... just incase someone else wants to use my car instead of rear camera/parking sensors/eyes/good grace to own up... delete as appropriate. If it were my car I would leave it, the garage will see it as a sign that it's been entered in the BTCC and will nail me for it.
That would be done under parking insurance i imagine and would be same cost irrespective of the financing of the car. Even if it was done under casco , cost would be the same ! Your premiums will also be increased unless you have no claims insurance.

Why would the claims be higher for leased car than you own car ? Surely people want their cars to look nice too ?

I don't disagree with you, but the argument doesn't really stand up as to why the premium is higher on a leased car than a paid for car ?

A lot of people don't realise it as it is crazy situation, but it exists as i shopwed in the two links provided.
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Old 16.02.2015, 10:23
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Re: Car insurance differ in premiums for Swiss and non-Swiss persons

Of course it stands up.

How you keep a car you own car is up to you and therefore choosing if any damage is repaired is up to you. The fact that a lease car has to be returned in perfect condition means any damage (caused by you or not) MUST be fixed or you will be heavily penalised. People with casco can get the repair for free or by paying the deductible, and are more likely to do this than fund the full cost of rep themselves. Therefore, lease cars carry a greater risk of claims that owned cars, and the insurance companies make people with leased car pays for that increased risk.

In my case, the damage is a small crease and a crack in the paint. The main dealer cost to fix the damage CHF2,800 if I just take the car back as is, and the independent garage CHF 1,300. The main dealer is where the car must be returned wants to replace the entire bumper and paint, independent will repair and paint. My casco will cover 100%, so why would I pay for it, when the insurance company will pick up the tab, thats what I pay my premium for... and is precisely why the insurers charge more for lease cars.
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Last edited by Papa Goose; 16.02.2015 at 10:40.
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Old 16.02.2015, 10:30
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Re: Car insurance differ in premiums for Swiss and non-Swiss persons

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Of course it stacks up. How you keep your car is up to you and therefore choosing if any damage is repaired is up to you. The fact that a lease car has to be returned in perfect condition means any damage (caused by you or not) MUST be fixed or you will be heavily penalised. People with casco can get the repair for free or by paying the deductable, and are more likely to do this than fund the full cost of rep themselves.

So if i don't own the car, i keep it pristine and if i own it, i don't ?

As for "getting it for free", i am lost here. The deductible is the same irrespective how the car is financed as far as i know.

My point is, however, YOU PAY MORE for your insurance if your car is leased rather than purchased outright.

The reasons given by the insurance companies don't really stand up in my opinion, but i may be missing something.

Last edited by Today only; 16.02.2015 at 10:48.
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