Go Back   English Forum Switzerland > Help & tips > Transportation/driving
Reply
 
Thread Tools Display Modes
  #1  
Old 20.09.2015, 19:35
Forum Veteran
 
Join Date: May 2013
Location: Nyon
Posts: 1,830
Groaned at 61 Times in 33 Posts
Thanked 2,128 Times in 835 Posts
John_H has a reputation beyond reputeJohn_H has a reputation beyond reputeJohn_H has a reputation beyond reputeJohn_H has a reputation beyond reputeJohn_H has a reputation beyond repute
Non resident driving my car

This must have come up many times but i just can't search it!

My brother and family come to visit.. They have no swiss insurance.

Can they legally drive my car with my permission at all?
He crashes into car/object/person, his fault, who pays?

Assuming it's legal and covered by some kind of my swiss insurance, which is best :

He drives the expensive car with full cover insurance for everything
He drives the cheap car with partial casco
Reply With Quote
  #2  
Old 20.09.2015, 20:00
Forum Legend
 
Join Date: Jun 2008
Location: Zurich
Posts: 4,654
Groaned at 152 Times in 118 Posts
Thanked 9,578 Times in 3,220 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: Non resident driving my car

Your insurance policy will answer all questions. In case you're not sure, call the insurance company and ask.
Reply With Quote
The following 2 users would like to thank k_and_e for this useful post:
  #3  
Old 20.09.2015, 20:06
TiMow's Avatar
Forum Legend
 
Join Date: Dec 2010
Location: Fribourg
Posts: 9,310
Groaned at 292 Times in 196 Posts
Thanked 12,189 Times in 5,300 Posts
TiMow has a reputation beyond reputeTiMow has a reputation beyond reputeTiMow has a reputation beyond reputeTiMow has a reputation beyond reputeTiMow has a reputation beyond reputeTiMow has a reputation beyond repute
Re: Non resident driving my car

Normally it's the vehicle that's insured (for any driver (with possible restrictions)), and not the driver.

I drove my SiL's car when on a visit, before I moved here (many years ago, though - things may have changed).

A quick call to your insurers will confirm.


.... and regarding which car, it will depend on how much experience he has on left-hookers, driving on the right, which you feel most comfortable providing. More insurance is good.
Personally, I'd give him the crap car and see if he can supplement his holiday insurance with some kind of third party liability add-on, to cover anything that the vehicle insurance may not.
Reply With Quote
  #4  
Old 20.09.2015, 20:42
st2lemans's Avatar
Forum Legend
 
Join Date: Dec 2010
Location: Lugano
Posts: 18,147
Groaned at 926 Times in 722 Posts
Thanked 19,740 Times in 9,484 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: Non resident driving my car

Your insurance pays, the vehicle is insured here, not the driver.

You should write an authorisation, not rquired, but better, especially if they go out of CH.

For CH use only, it should be notarised, appostillad as well if leaving CH

I have a sample, but in Italian.

Tom
Reply With Quote
  #5  
Old 20.09.2015, 20:59
Forum Legend
 
Join Date: Sep 2010
Location: Neuchatel
Posts: 19,400
Groaned at 369 Times in 276 Posts
Thanked 22,400 Times in 10,081 Posts
Odile has a reputation beyond reputeOdile has a reputation beyond reputeOdile has a reputation beyond reputeOdile has a reputation beyond reputeOdile has a reputation beyond reputeOdile has a reputation beyond repute
Re: Non resident driving my car

We always tell our insurance before we do- and they say that is fine, as long as they have valid EU licence (Not sure about non-EU).
Reply With Quote
  #6  
Old 20.09.2015, 21:02
Forum Veteran
 
Join Date: May 2013
Location: Nyon
Posts: 1,830
Groaned at 61 Times in 33 Posts
Thanked 2,128 Times in 835 Posts
John_H has a reputation beyond reputeJohn_H has a reputation beyond reputeJohn_H has a reputation beyond reputeJohn_H has a reputation beyond reputeJohn_H has a reputation beyond repute
Re: Non resident driving my car

Quote:
View Post
Your insurance pays, the vehicle is insured here, not the driver.

You should write an authorisation, not rquired, but better, especially if they go out of CH.

For CH use only, it should be notarised, appostillad as well if leaving CH

I have a sample, but in Italian.

Tom
This is what I thought .. There's no mention of 3rd parties driving the car in the insurance documents and it's just what I always thought, i think the insurance company told me this originally when i asked them to add my wife to the policy, although she's obviously resident here

My little doubt was that CH residents have (well usually have) 3rd party insurance for themselves and visitors generally don't.

So I think basically vehicle/property damage would be covered by the car insurance.. And personal claims would be on his head.
Reply With Quote
  #7  
Old 20.09.2015, 21:09
st2lemans's Avatar
Forum Legend
 
Join Date: Dec 2010
Location: Lugano
Posts: 18,147
Groaned at 926 Times in 722 Posts
Thanked 19,740 Times in 9,484 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: Non resident driving my car

I've lent cars and motorcycles to friends and family over the past 30 years, never a problem.

Whatever is covered for you, is covered for them.

However, the key word is 'lend', should you charge even a nominal fee, then that is renting and another ball of wax.

Tom
Reply With Quote
  #8  
Old 20.09.2015, 21:15
Forum Legend
 
Join Date: Sep 2010
Location: Neuchatel
Posts: 19,400
Groaned at 369 Times in 276 Posts
Thanked 22,400 Times in 10,081 Posts
Odile has a reputation beyond reputeOdile has a reputation beyond reputeOdile has a reputation beyond reputeOdile has a reputation beyond reputeOdile has a reputation beyond reputeOdile has a reputation beyond repute
Re: Non resident driving my car

Obviously, if you only got third party or a large franchise- then it might be a good idea to decide in advance who would pay what. And of course if they drink and drive and get up to excessive speeding, dangerous driving- then insurance might choose not to pay as per new rules. Depends how much you trust them.
Reply With Quote
  #9  
Old 20.09.2015, 21:20
Forum Veteran
 
Join Date: May 2013
Location: Nyon
Posts: 1,830
Groaned at 61 Times in 33 Posts
Thanked 2,128 Times in 835 Posts
John_H has a reputation beyond reputeJohn_H has a reputation beyond reputeJohn_H has a reputation beyond reputeJohn_H has a reputation beyond reputeJohn_H has a reputation beyond repute
Re: Non resident driving my car

Quote:
View Post
Obviously, if you only got third party or a large franchise- then it might be a good idea to decide in advance who would pay what. And of course if they drink and drive and get up to excessive speeding, dangerous driving- then insurance might choose not to pay as per new rules. Depends how much you trust them.
It'll just be my young brother driving, well experienced driving on our side of the road and probably one or two fairly local day trips.

But yes, I'll explain the financial details .. My franchise low, 200.- I think.

Speeding .. It's just my wife who does that
Reply With Quote
  #10  
Old 20.09.2015, 21:48
Forum Veteran
 
Join Date: Jul 2007
Location: Vaud
Posts: 1,950
Groaned at 127 Times in 89 Posts
Thanked 3,510 Times in 1,339 Posts
Mikers has a reputation beyond reputeMikers has a reputation beyond reputeMikers has a reputation beyond reputeMikers has a reputation beyond reputeMikers has a reputation beyond reputeMikers has a reputation beyond repute
Re: Non resident driving my car

Quote:
View Post
It'll just be my young brother driving, well experienced driving on our side of the road and probably one or two fairly local day trips.

But yes, I'll explain the financial details .. My franchise low, 200.- I think.

Speeding .. It's just my wife who does that
just in case your still in any doubt john, to back up the others i also have my brother drive over here because its the same as said previously: in switzerland the car is what your insuring.

check of course, but it's a fairly consistent message it should be fine.
Reply With Quote
  #11  
Old 22.09.2015, 17:22
aSwissInTheUS's Avatar
Forum Legend
 
Join Date: Nov 2007
Location: Zurich area
Posts: 5,062
Groaned at 40 Times in 38 Posts
Thanked 7,138 Times in 3,241 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: Non resident driving my car

Just a word of advice. If your foreign resident friend is about to enter his own country of residence with your car, he should stop at the border and declare what he is about to do: Temporarily importing, for usage, a valuable good on which no tax nor duty was levied in intended country of use.

They my grant the use (some fee may be levied for paperwork) or deny the usage. Not stopping at the border could be a tax and/or duty violation. Car my be seized and impounded and only released after any duty, tax, and fines due have been paid which may be a multiple of the cars actual value.
__________________
Dunkel war’s, der Mond schien helle, schneebedeckt die grüne Flur, als ein Wagen blitzesschnelle, langsam um die Ecke fuhr.
Drinnen saßen stehend Leute, schweigend ins Gespräch vertieft, als ein totgeschoss’ner Hase auf der Sandbank Schlittschuh lief.
Reply With Quote
This user would like to thank aSwissInTheUS for this useful post:
  #12  
Old 22.09.2015, 17:40
baboon's Avatar
Forum Veteran
 
Join Date: Apr 2007
Location: Rheintal
Posts: 2,468
Groaned at 73 Times in 64 Posts
Thanked 2,942 Times in 1,468 Posts
baboon has a reputation beyond reputebaboon has a reputation beyond reputebaboon has a reputation beyond reputebaboon has a reputation beyond reputebaboon has a reputation beyond repute
Re: Non resident driving my car

Don't know how old your younger brother is but I know on my policy there is a restriction on under 25s driving regularly ("regularly" is not precisely defined). I had to pay extra when the minis were younger than that.
Reply With Quote
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
Canadian expats - resident or non-resident status? FunnyBone Finance/banking/taxation 2 01.09.2015 19:13
Taxation [UK Non-Resident Married to Resident] Montana2 Finance/banking/taxation 1 20.07.2015 14:54
Car insurance in UK for a non resident swisscath General off-topic 3 12.01.2011 12:23
Non-resident - Registering a car RogerandKim Transportation/driving 3 15.05.2010 14:32
Non Swiss resident buying a second hand car Eaglehead Transportation/driving 10 23.10.2008 00:43


All times are GMT +2. The time now is 08:05.


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