Go Back   English Forum Switzerland > Help & tips > Insurance
Reply
 
Thread Tools Display Modes
  #1  
Old 31.10.2014, 20:17
Forum Veteran
 
Join Date: Feb 2014
Location: Lausanne
Posts: 899
Groaned at 91 Times in 48 Posts
Thanked 282 Times in 186 Posts
JakubB is considered unworthyJakubB is considered unworthyJakubB is considered unworthyJakubB is considered unworthy
Car insurance differ in premiums for Swiss and non-Swiss persons

Hello everyone,

Todays question is: is it legal that, when using online quotation system, the premium for Swiss nationals differ significantly (even up to 60%) than for non-Swiss persons? I have used comparis and every time I tried to get quotation for my potential new car for swiss and non swiss I ended up with different results. All other parameters remained unchanged.

I am baffled by this one...I know that auslanders are frown upon but this done by big corporations and, apparently, in the confines of the law. Anyone knows how to prevent this and get same premium as for Swiss nationals?

JB

Smile Direct - 100% more! :/

Ok it seems that I haven't rediscovered the Americas... But still, another bad taste of Switzerland remains....

Last edited by JakubB; 31.10.2014 at 22:57.
Reply With Quote
This user would like to thank JakubB for this useful post:
  #2  
Old 01.11.2014, 18:12
Sbrinz's Avatar
Forum Legend
 
Join Date: Oct 2011
Location: Murten - Morat
Posts: 10,955
Groaned at 542 Times in 342 Posts
Thanked 10,560 Times in 5,401 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: Car insurance differ in premiums for Swiss and non-Swiss persons

Every company can charge what they like, and most do raise the premiums for foreigners, as they are perceived to be a higher risk.
Usually there are diffent rates for different nationalities, so it might pay to shop around. If you are a young driver, look at Basler with TCS membership.
Reply With Quote
This user would like to thank Sbrinz for this useful post:
  #3  
Old 01.11.2014, 18:25
Forum Veteran
 
Join Date: Feb 2014
Location: Lausanne
Posts: 899
Groaned at 91 Times in 48 Posts
Thanked 282 Times in 186 Posts
JakubB is considered unworthyJakubB is considered unworthyJakubB is considered unworthyJakubB is considered unworthy
Re: Car insurance differ in premiums for Swiss and non-Swiss persons

Quote:
View Post
Every company can charge what they like, and most do raise the premiums for foreigners, as they are perceived to be a higher risk.
Usually there are different rates for different nationalities, so it might pay to shop around. If you are a young driver, look at Basler with TCS membership.
I am 36 with over 100k km of driving experience (held the licence for 10 years now) with not a single ticket on my name. And they still think I am a greater threat than some farmer who drives on motorways only on sundays... I am trying to convince axa to acknowledge my 6yrs of no-claim bonus but they are resisting :/ Meanwhile I am shopping around but this practice is widely used by every insurance company I have contacted so far :/

Ps. I don't know why Swiss drivers don't use indicators, squeeze themselves in front of your car while doing 120km/h but I certainly wouldn't call it safe driving :/

Last edited by JakubB; 01.11.2014 at 19:04.
Reply With Quote
This user groans at JakubB for this post:
  #4  
Old 01.11.2014, 18:31
st2lemans's Avatar
Forum Legend
 
Join Date: Dec 2010
Location: Lugano
Posts: 18,066
Groaned at 924 Times in 720 Posts
Thanked 19,583 Times in 9,430 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: Car insurance differ in premiums for Swiss and non-Swiss persons

I have always paid the same rates when I was non-Swiss and Swiss.

Tom
Reply With Quote
  #5  
Old 01.11.2014, 18:32
Forum Legend
 
Join Date: Jun 2008
Location: Zurich
Posts: 4,641
Groaned at 152 Times in 118 Posts
Thanked 9,549 Times in 3,211 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: Car insurance differ in premiums for Swiss and non-Swiss persons

it is actually not about Swiss and non-Swiss.
it depends about the exact nationality and also your permit type.
Reply With Quote
The following 3 users would like to thank k_and_e for this useful post:
  #6  
Old 01.11.2014, 18:44
me.anon's Avatar
Forum Veteran
 
Join Date: Jan 2012
Location: thun
Posts: 1,451
Groaned at 22 Times in 16 Posts
Thanked 1,757 Times in 867 Posts
me.anon has a reputation beyond reputeme.anon has a reputation beyond reputeme.anon has a reputation beyond reputeme.anon has a reputation beyond reputeme.anon has a reputation beyond repute
Re: Car insurance differ in premiums for Swiss and non-Swiss persons

Quote:
View Post
is it legal that, when using online quotation system, the premium for Swiss nationals differ significantly (even up to 60%) than for non-Swiss persons?
For the price quotation they also ask what gender you are and that is even more controversial for the PC (Politically Correct) types.

You know comparis ? . . .
http://en.comparis.ch/auto/default.aspx
Reply With Quote
  #7  
Old 01.11.2014, 19:03
Forum Veteran
 
Join Date: Feb 2014
Location: Lausanne
Posts: 899
Groaned at 91 Times in 48 Posts
Thanked 282 Times in 186 Posts
JakubB is considered unworthyJakubB is considered unworthyJakubB is considered unworthyJakubB is considered unworthy
Re: Car insurance differ in premiums for Swiss and non-Swiss persons

Quote:
View Post
it is actually not about Swiss and non-Swiss.
it depends about the exact nationality and also your permit type.
It is about the thing, that Swiss get the cheapest insurance whilst other nationalities pay more.

Quote:
View Post
For the price quotation they also ask what gender you are and that is even more controversial for the PC (Politically Correct) types.

You know comparis ? . . .
http://en.comparis.ch/auto/default.aspx
Difference between women and men were really tiny when I compared (20-40 chf). And yes, I know Comparis - where else could I make comparison of that many offers?
Reply With Quote
  #8  
Old 01.11.2014, 19:26
st2lemans's Avatar
Forum Legend
 
Join Date: Dec 2010
Location: Lugano
Posts: 18,066
Groaned at 924 Times in 720 Posts
Thanked 19,583 Times in 9,430 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: Car insurance differ in premiums for Swiss and non-Swiss persons

Quote:
View Post
It is about the thing, that Swiss get the cheapest insurance whilst other nationalities pay more.
Perhaps some, but certainly not all.

I pay less than my wife, and she's been Swiss all her life.

Me, only 17 years.

Tom
Reply With Quote
  #9  
Old 01.11.2014, 19:57
nomad66's Avatar
Member
 
Join Date: Oct 2009
Location: Zurich / Down Under
Posts: 219
Groaned at 0 Times in 0 Posts
Thanked 108 Times in 64 Posts
nomad66 has made some interesting contributions
Re: Car insurance differ in premiums for Swiss and non-Swiss persons

@OP: Why don't you get a copy of your foreign driving history, and then talk to some insurance company agents, in person? Take the comparison details with you ... Or talk to a broker, with all the papers.

It worked for me ....

Understand your frustration, but me thinks you will be fighting an uphill battle. you should approach a different way ... Introducing yourself in person, with the right papers may work in your favour ....

All the best ....
Reply With Quote
This user would like to thank nomad66 for this useful post:
  #10  
Old 01.11.2014, 20:51
Forum Veteran
 
Join Date: Feb 2014
Location: Lausanne
Posts: 899
Groaned at 91 Times in 48 Posts
Thanked 282 Times in 186 Posts
JakubB is considered unworthyJakubB is considered unworthyJakubB is considered unworthyJakubB is considered unworthy
Re: Car insurance differ in premiums for Swiss and non-Swiss persons

Quote:
View Post
@OP: Why don't you get a copy of your foreign driving history, and then talk to some insurance company agents, in person? Take the comparison details with you ... Or talk to a broker, with all the papers.

It worked for me ....

Understand your frustration, but me thinks you will be fighting an uphill battle. you should approach a different way ... Introducing yourself in person, with the right papers may work in your favour ....

All the best ....
I talked in person, I had the records, I got 1200, 1700 and 2000chf for bare TP, HC and FC respectively... There were some extras but after subtracting, still 1000 1500 and 1700... Online quotes give me less but still 70% more than if I put Swiss citizenship. ehhh
Reply With Quote
  #11  
Old 02.11.2014, 00:25
Newbie 1st class
 
Join Date: Mar 2014
Location: Adliswil
Posts: 17
Groaned at 0 Times in 0 Posts
Thanked 3 Times in 3 Posts
noktrum has no particular reputation at present
Re: Car insurance differ in premiums for Swiss and non-Swiss persons

I saw 20/30% differences between swiss and non-swiss nationalities so not sure what car you getting that it's 70% difference Do you have B permit?
Reply With Quote
  #12  
Old 02.11.2014, 00:51
papasmurf's Avatar
Senior Member
 
Join Date: Oct 2010
Location: AG
Posts: 330
Groaned at 1 Time in 1 Post
Thanked 377 Times in 133 Posts
papasmurf is considered knowledgeablepapasmurf is considered knowledgeablepapasmurf is considered knowledgeable
Re: Car insurance differ in premiums for Swiss and non-Swiss persons

When I changed my car recently to one that cost a lot more and had around 100bhp more I was expecting a massive insurance bill but it only increased 300 a year more for vollkasko which is certainly better then the UK. I had a look around comparis at the time but the results were far more expensive then both companies I approached in person.

Anyway motor insurance is always hard to compare between people as so many factors are brought in. When I lived in the UK my postcode was a much higher cost then one that was only a few roads away.
Reply With Quote
This user would like to thank papasmurf for this useful post:
  #13  
Old 02.11.2014, 01:11
Forum Veteran
 
Join Date: Feb 2014
Location: Lausanne
Posts: 899
Groaned at 91 Times in 48 Posts
Thanked 282 Times in 186 Posts
JakubB is considered unworthyJakubB is considered unworthyJakubB is considered unworthyJakubB is considered unworthy
Re: Car insurance differ in premiums for Swiss and non-Swiss persons

Quote:
View Post
When I changed my car recently to one that cost a lot more and had around 100bhp more I was expecting a massive insurance bill but it only increased 300 a year more for vollkasko which is certainly better then the UK. I had a look around comparis at the time but the results were far more expensive then both companies I approached in person.

Anyway motor insurance is always hard to compare between people as so many factors are brought in. When I lived in the UK my postcode was a much higher cost then one that was only a few roads away.
When was living in Ireland things were so much easier...And car insurance cheap, comprehensive and agents very polite and (most of the times) honest

Quote:
View Post
I saw 20/30% differences between swiss and non-swiss nationalities so not sure what car you getting that it's 70% difference Do you have B permit?
Try Zurich for 1TA429 Yes, B permit. And put Polish nationality.
Reply With Quote
  #14  
Old 02.11.2014, 01:16
papasmurf's Avatar
Senior Member
 
Join Date: Oct 2010
Location: AG
Posts: 330
Groaned at 1 Time in 1 Post
Thanked 377 Times in 133 Posts
papasmurf is considered knowledgeablepapasmurf is considered knowledgeablepapasmurf is considered knowledgeable
Re: Car insurance differ in premiums for Swiss and non-Swiss persons

Quote:
View Post
When was living in Ireland things were so much easier...And car insurance cheap, comprehensive and agents very polite and (most of the times) honest
I still marvel at the fact that I can pick the car up from the dealer and not get a payment demand from the insurance or strassenverkehrsamt till a month after...that would never be possible in the UK
Reply With Quote
  #15  
Old 02.11.2014, 11:12
Forum Veteran
 
Join Date: Feb 2014
Location: Lausanne
Posts: 899
Groaned at 91 Times in 48 Posts
Thanked 282 Times in 186 Posts
JakubB is considered unworthyJakubB is considered unworthyJakubB is considered unworthyJakubB is considered unworthy
Re: Car insurance differ in premiums for Swiss and non-Swiss persons

Quote:
View Post
I still marvel at the fact that I can pick the car up from the dealer and not get a payment demand from the insurance or strassenverkehrsamt till a month after...that would never be possible in the UK
But in Ireland it would
Reply With Quote
  #16  
Old 02.11.2014, 11:18
parnell's Avatar
Senior Member
 
Join Date: Aug 2008
Location: Geroldswil
Posts: 381
Groaned at 87 Times in 52 Posts
Thanked 944 Times in 443 Posts
parnell has a reputation beyond reputeparnell has a reputation beyond reputeparnell has a reputation beyond reputeparnell has a reputation beyond repute
Re: Car insurance differ in premiums for Swiss and non-Swiss persons

Quote:
View Post
When was living in Ireland things were so much easier...And car insurance cheap, comprehensive and agents very polite and (most of the times) honest



Try Zurich for 1TA429 Yes, B permit. And put Polish nationality.
Have you ever considered that there might well be good logic behind that increased premium ? For example there is an increased risk that foreigners - particularly those from countries sharing the continent drive much greater distances on more frequent homeward journies. Then when accidents inevitably occur on those foreign journies you've got the added administration burden of different legal systems combined with likely increased theft risk.
Reply With Quote
  #17  
Old 02.11.2014, 11:23
Forum Veteran
 
Join Date: Feb 2014
Location: Lausanne
Posts: 899
Groaned at 91 Times in 48 Posts
Thanked 282 Times in 186 Posts
JakubB is considered unworthyJakubB is considered unworthyJakubB is considered unworthyJakubB is considered unworthy
Re: Car insurance differ in premiums for Swiss and non-Swiss persons

Quote:
View Post
Have you ever considered that there might well be good logic behind that increased premium ? For example there is an increased risk that foreigners - particularly those from countries sharing the continent drive much greater distances on more frequent homeward journies. Then when accidents inevitably occur on those foreign journies you've got the added administration burden of different legal systems combined with likely increased theft risk.
That is true, but the Germans travel a lot right? Same for Italians. And those groups have still lower premiums... well....If it was only based on the distnace, then Irish wouldn't have almost the same premiums as Swiss. This is kind of judging a book by its cover...
Reply With Quote
  #18  
Old 02.11.2014, 11:36
parnell's Avatar
Senior Member
 
Join Date: Aug 2008
Location: Geroldswil
Posts: 381
Groaned at 87 Times in 52 Posts
Thanked 944 Times in 443 Posts
parnell has a reputation beyond reputeparnell has a reputation beyond reputeparnell has a reputation beyond reputeparnell has a reputation beyond repute
Re: Car insurance differ in premiums for Swiss and non-Swiss persons

Quote:
View Post
That is true, but the Germans travel a lot right? Same for Italians. And those groups have still lower premiums... well....If it was only based on the distnace, then Irish wouldn't have almost the same premiums as Swiss. This is kind of judging a book by its cover...
It's all based on statistics - most Irish people probably don't drive back to Ireland frequently. Germans might drive home relatively frequently but the theft risk there is low and the administration between both countries in accidents is easy. Insurance companies have to judge exactly how much risk is associated with your particular case - and they are right to use as much information as possible when they do so - including your nationality because that allows them to consider claims from other Polish people when they consider the correct premium to charge.
Reply With Quote
This user would like to thank parnell for this useful post:
  #19  
Old 02.11.2014, 13:24
Forum Veteran
 
Join Date: Feb 2014
Location: Lausanne
Posts: 899
Groaned at 91 Times in 48 Posts
Thanked 282 Times in 186 Posts
JakubB is considered unworthyJakubB is considered unworthyJakubB is considered unworthyJakubB is considered unworthy
Re: Car insurance differ in premiums for Swiss and non-Swiss persons

Quote:
View Post
It's all based on statistics - most Irish people probably don't drive back to Ireland frequently. Germans might drive home relatively frequently but the theft risk there is low and the administration between both countries in accidents is easy. Insurance companies have to judge exactly how much risk is associated with your particular case - and they are right to use as much information as possible when they do so - including your nationality because that allows them to consider claims from other Polish people when they consider the correct premium to charge.
I understand. But they should take into account my no-claim history, right?

And why is the third party insurance more expensive to me while in Poland everything is 3x cheaper, including car mechanic work time and repairs?
Reply With Quote
  #20  
Old 02.11.2014, 14:05
st2lemans's Avatar
Forum Legend
 
Join Date: Dec 2010
Location: Lugano
Posts: 18,066
Groaned at 924 Times in 720 Posts
Thanked 19,583 Times in 9,430 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: Car insurance differ in premiums for Swiss and non-Swiss persons

Quote:
View Post
why is the third party insurance more expensive to me while in Poland everything is 3x cheaper, including car mechanic work time and repairs?
Umm, because we aren't in Poland?

Tom
Reply With Quote
The following 5 users would like to thank st2lemans for this useful post:
This user groans at st2lemans for this 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
selling and buying a car by two non-swiss... shukibuki Transportation/driving 0 22.07.2012 00:47
Driving foreign registered cars in Switzerland - for Swiss domiciled persons gordoni7 Transportation/driving 51 13.04.2012 19:28
Non-Swiss Registered Car Insurance gdaddy Insurance 25 22.08.2011 14:29
Swiss car insurance without a Swiss license trailingfidanzata Insurance 6 16.02.2011 18:08
Advice on getting [non-Swiss health] insurance accepted in canton. Godfather Insurance 2 13.12.2009 11:05


All times are GMT +2. The time now is 00:32.


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