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Old 25.05.2015, 21:31
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British car in Switz

Possibly a very simple question but...... How long is it acceptable to have a British car in Switzerland before you need to get it registered in Switzerland. And does it make a difference if you drive it into France or Germany each day?
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Old 25.05.2015, 22:51
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Re: British car in Switz

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Possibly a very simple question but...... How long is it acceptable to have a British car in Switzerland before you need to get it registered in Switzerland. And does it make a difference if you drive it into France or Germany each day?
1 year from the date you arrived in CH, assuming your insurers are happy.

Makes no difference where you drive unless you dont bring it to CH
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Old 25.05.2015, 23:01
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Re: British car in Switz

Most normal insurances will not cover you abroad for that amount of time- so it's paramount that you check with them.

Here is the Q & A for Churchill for instance. Most have the same rules:

Q Does my policy cover me to drive abroad?

A:Yes, as part of your Churchill policy you have the minimum level of cover to drive in the EU. This is the equivalent or less than Third Party Only cover, as long as each trip is less than 90 days.

If you would like to increase your cover to enjoy the same level of cover as you do in the UK e.g. Comprehensive or Third Party Fire and Theft, this can be done by purchasing Foreign Use Extension. To purchase this please call us on 0845 603 3551.

To cover weekend or short trips, we do allow trips for 3 days or less free of charge. We allow a maximum of 90 days' Foreign Use per policy year.

Last edited by Odile; 25.05.2015 at 23:58.
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Old 26.05.2015, 09:00
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Re: British car in Switz

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Most normal insurances will not cover you abroad for that amount of time- so it's paramount that you check with them.

Here is the Q & A for Churchill for instance. Most have the same rules:

Q Does my policy cover me to drive abroad?

A:Yes, as part of your Churchill policy you have the minimum level of cover to drive in the EU. This is the equivalent or less than Third Party Only cover, as long as each trip is less than 90 days.

If you would like to increase your cover to enjoy the same level of cover as you do in the UK e.g. Comprehensive or Third Party Fire and Theft, this can be done by purchasing Foreign Use Extension. To purchase this please call us on 0845 603 3551.

To cover weekend or short trips, we do allow trips for 3 days or less free of charge. We allow a maximum of 90 days' Foreign Use per policy year.
^^^^ there is also a section will say something along the lines of "normally resident in the UK"
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Old 26.05.2015, 09:14
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Re: British car in Switz

Thanks for all the good advice. I was only planning for 6-8 weeks so I think I am covered!
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Old 26.05.2015, 09:22
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Re: British car in Switz

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^^^^ there is also a section will say something along the lines of "normally resident in the UK"
If you have lived on n the UK for 40 years, then being in CH for 4 months would hardly make your 'normal' residence CH, unless your understanding of the word 'normal differs from mine!

Long stay foreign travel can be arranged, it's non standard, but anything is possible if your prepared to pay the price.
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Old 26.05.2015, 09:36
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Re: British car in Switz

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If you have lived on n the UK for 40 years, then being in CH for 4 months would hardly make your 'normal' residence CH, unless your understanding of the word 'normal differs from mine!

Long stay foreign travel can be arranged, it's non standard, but anything is possible if your prepared to pay the price.
Really? You want to pitch that??

If you have lived in the UK for 70 years and move to another country and become normally resident there - it doesn't make any difference whether you are talking about day 1 or day 1000 - the terms of the insurance are being violated.

OP - There are insurance companies that will cover you - but you should be up front about what you are doing. Should the worst happen you could find yourself in a world of pain should they decide you have breached the terms of your insurance.

You'll have plenty of people come up with ways to bypass this idea - maintainly a "home" in the UK; or going back and forth frequently etc etc - and many have managed to not register here and no get Swiss insurance for many years - but that doesn't make it legal nor does it make advisable in a worse case scenario
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Old 26.05.2015, 09:54
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Re: British car in Switz

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Really? You want to pitch that??

If you have lived in the UK for 70 years and move to another country and become normally resident there - it doesn't make any difference whether you are talking about day 1 or day 1000 - the terms of the insurance are being violated.

OP - There are insurance companies that will cover you - but you should be up front about what you are doing. Should the worst happen you could find yourself in a world of pain should they decide you have breached the terms of your insurance.

You'll have plenty of people come up with ways to bypass this idea - maintainly a "home" in the UK; or going back and forth frequently etc etc - and many have managed to not register here and no get Swiss insurance for many years - but that doesn't make it legal nor does it make advisable in a worse case scenario
I guess your not aware of the EU agreements for 3rd party claims, they will be settled.

http://www.mib.org.uk/Motor+Insuranc...Directives.htm
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Old 26.05.2015, 10:27
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Re: British car in Switz

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Thanks for all the good advice. I was only planning for 6-8 weeks so I think I am covered!
Hope so, but don't 'think' anything, make sure and be opened with your insurance, so it does not come back and bit you badly if anything goes wrong. 3rd party would be covered as Fatmansfilm says- but not you, nor the car. I spent 7 months in hospital and 2 years to walk again after a car crash, when I was 19... and more operations later- the cost can be vast.
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Old 26.05.2015, 10:40
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Re: British car in Switz

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I guess your not aware of the EU agreements for 3rd party claims, they will be settled.

http://www.mib.org.uk/Motor+Insuranc...Directives.htm
The third party claim will be settled - at which point the insurance company will sue to get the money back.
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Old 26.05.2015, 11:46
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Re: British car in Switz

Quite apart from the insurance issues, which have been adequately dealt with above, you'll probably find, as I did, that driving a right hand drive car here for any length of time is a misery.
1) You can't see properly to overtake anything.
2) Entering a Motorway requires you to twist your neck half circle to check your way is clear.
3) Barrier operated parking lots can be difficult if you are not agile enough to throw yourself over the passenger seat to get to the ticket control. I saw someone once recommended a 'litter picker' for this.
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Old 26.05.2015, 13:02
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Re: British car in Switz

We've been driving our UK discovery here for 6 years now and it's not a problem generally- parking lots can be a pain- but as we are normally two- the non-driver reaches out for the ticket- and co-pilots for overtaking
Mind you, being higher up than 'normal' cars does help. For a few months it is a non-issue, really.
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Old 26.05.2015, 13:29
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Re: British car in Switz

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We've been driving our UK discovery here for 6 years now and it's not a problem generally- parking lots can be a pain- but as we are normally two- the non-driver reaches out for the ticket- and co-pilots for overtaking
Mind you, being higher up than 'normal' cars does help. For a few months it is a non-issue, really.
http://www.churchill.com/car-insurance/eligibility

Everyone all clear on #1?
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Old 26.05.2015, 13:31
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Re: British car in Switz

Odile said it was a UK car (i.e. right-hand drive) not UK registered.
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Old 26.05.2015, 13:34
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Re: British car in Switz

Thanks Adrian - our right-hand car came with us from UK and was imported as part of our personal possessions and registered in CH and quickly put on Swiss number plates, tax and insurance, of course- as we registered as residents here alomost immediately. Not the same situation as OP at all.

I kept my own UK registered car for a while at our holiday home in the UK- but gave it up as I couldn't insure it as we were no longer residents, despite having an address there and due to technical problems (having to deconnect battery every time, brakes squealing, etc). A shame as it was really useful to have there as we go back regularly and travel a lot when visiting family and friends all over.
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Old 26.05.2015, 13:37
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Re: British car in Switz

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The third party claim will be settled - at which point the insurance company will sue to get the money back.
They won't bother unless they think you can pay, as going bankrupt is rather easy & collecting through the courts is rather expensive, they actually have to win a case against you in the high court first which will cost them the best part of 100k. The insurers won't even be out of pocket as the uninsured motorists bureau will pick up the tab.
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Old 26.05.2015, 13:39
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Re: British car in Switz

You mean

US

the tax payers again !!!! Grrr- who always pick up the tab for the bad behaviour of others!!!
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Old 26.05.2015, 13:45
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Re: British car in Switz

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Odile said it was a UK car (i.e. right-hand drive) not UK registered.
I quoted the wrong post - I was meant to include the earlier one with the Churchill T&Cs.
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Old 26.05.2015, 13:50
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Re: British car in Switz

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The third party claim will be settled - at which point the insurance company will sue to get the money back.
They won't bother unless they think you can pay, as going bankrupt is rather easy & collecting through the courts is rather expensive, they actually have to win a case against you in the high court first which will cost them the best part of 100k. The insurers won't even be out of pocket as the uninsured motorists bureau will pick up the tab.

Edit,

Of course putting expat car insurance UK into google will give companies who are quite happy to insure the risk, 1 result
http://www.keithmichaels.co.uk/speci...FYeWtAod6lkAGw

Aviva will even offer insurance for a Maltese resident, with a Swiss Driving license to buy a car in the UK, even adding Europe cover if required.

It's really not as difficult as people make out.
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Old 26.05.2015, 13:56
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Re: British car in Switz

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You mean

US

the tax payers again !!!! Grrr- who always pick up the tab for the bad behaviour of others!!!
No it's covered by a charge on every insurance policy, not the tax payer so it's very much fairer as most tax is paid by just 1% of the population.
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