Is CHF 1,200 car insurance on a UK plate a good deal? - Page 2

Papa Goose · #21 31.03.2010, 19:20

	Quote:	Nicam
	I have read most of the reply and I have to say that after living in 6 EU countries the worse one for car insurance is UK indeed. - most "continental" insurance companies cover you with a 365 days "Green Card". UK only 14 days - The 'continental' companies can offer full european cover, and 365 geen card due to the fact that as most "continental" cars have the steering whell on the left. So the actuarial risk of accident is far greater driving a right hooker in LHD countries, hence the limitation. Full continental cover is available in the UK at a cost (which is still less than Swiss insurance) and for superior cover than you get here. - only in UK you have to call the insurance company asking (?) them the permission to bring your "own" car abroad. See above, it's to do with risk my old son. - only in UK you need a "MOT certificate" to pay both the insurance and road tax Not so, you need insurance and M.o.T to tax the car. UK insurance is dependant upon the car legal for road usage I.E has valid tax & M.o.T if it's on the road or on SORN if off. - only in UK your "own" insurance pays you if a third party damages your car Yes and then the cost are reclaimed from the 3rd party, unless you want your car to go unrepaired until the 2rd parties insurance to pay for the repair.

UK insurance is cheaper and simpler than here, eg My car:
UK fully comp (and that means everything including breakdown -£425
FR with the same cover + 30 % of the value of the car if written off - €630, valid here, but not for Swiss registration purposes.
CH No parking damamge, no eaten by weasely things, no recovery CHF2,200

Kiwi Lad · #22 13.04.2010, 09:23

I was under the belief that all car insurance providers in any EU based country had to by EU law provide the minimum level of cover to drive in any EU country on all policies 365 days per year, thus shown by the registration plate of the car.

I may have misinterpreted the EU gov website but I definitely looked into this to avoid having only 90 days cover in three 30 day segments per year and when I quoted the above statement to my insurance company (1st central) they provided me with a lovely insurance cert that stated pretty much the same thing without no old school green card.

Quote on my policy:

"Geographical Limits
Your policy provides the cover described in your current schedule in Great Britain, Northern Ireland, the Isle
of Man and the Channel Islands and during travel between these places.
Minimum cover abroad
Your policy also provides the minimum cover you need by law to use your car in any country which is
a member of the European Union and any other countries which have made arrangements to meet the
requirements of article 7(2) of the EC directive on insurance of civil liabilities arising from the use of motor
cars (number 72/166/CEE).

BUT READ

Unless you have obtained a green card prior to travel, damage or loss of your car (if applicable to your
cover) will not be covered.

For full cover abroad
If the insurers agree and you pay an extra premium, we will issue a foreign use document (green card) and
extend the cover provided by your insurance to cover:
Should you wish to travel to Andorra you will need to produce your green card confirmation to the authorities
upon request. It is important you call us at least five days before your journey to ensure your green card
confirmation will reach you before you travel.

named countries in Europe
your car while being transported
any customs duty you have to pay on your car in any of the countries named in your green card because
of loss or damage covered under this policy"

Hope this clarifies a little.

loveswiss · #23 04.05.2010, 15:53

Hi,

I have seen your post regarding car insurance on UK plates and am in a similar situation myself. I need to get my car insured over here in Zurich with UK plates. Please can you give me the contact details for the guy who helped you.

Thanks

AndrasK · #24 07.05.2010, 08:23

Hi,

here are the details of the insurance consultant who helped me, please tell him you got his details from Andras so he knows how you found him. He is based in Geneva, but that does not prevent him to give you a quote in other cantons.

Good luck!

Jonathan Vincent
International Insurance Consultant
Zurich Suisse
International Section
Rue François-Peyrot 10
CP 876
1218 Le Grand-Saconnex
022 704 21 17 (direct)
022 704 21 43 (fax)
jonathan.vincent@zurich.ch
www.zurich.ch