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Old 29.11.2011, 20:37
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Car insurance / Car ownership

Hi!

I'm younger than 25 and have less than 5 years of driving license, what in Switzerland means that my car insurance bill is going to be abominable!

I already have one, I did it by phone and at the time the guy from Allianz told me that I was going to pay 1100CHF p/year. After receiving the first bill I realized that instead of 1100CHF, I have to pay 2000CHF. His mistake or my mine, don't know yet.

So the question is:
In Switzerland is that possible to have the car and insurance in different owners?
I'm the proprietary of the car and the only driver and I was wondering about the possibility of changing the ownership of my car insurance to someone older and more experienced in order to get an affordable insurance bill.

Anyone has any experience with this??

PS: Before moving to Switzerland I was paying 220€/year for my car insurance...
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Old 29.11.2011, 20:44
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Re: Car insurance / Car ownership

Your bill depends only on the car, your driving record, and which insurance options you choose.

My daughter (21) pays less than my wife, despite having a license for only 6 months, but she is at 60% and my wife at 85%, as my daughter had 3 1/2 years of a registered vehicle (small motorcycle) with no major accidents (even with no license).

You want to pay less? Get a cheaper car, get rid of casco, etc.

Now, if you want to insure it in someone else's name, you have to register it in their name. No problem, but any claims will boost their rates! If you have a friend willing to risk that, fine, but there is a good reason that my wife and daughter have their vehicles registered in their names!

Tom
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Old 29.11.2011, 21:11
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Re: Car insurance / Car ownership

There is an easy answer.

Go to comparis.ch

and pick the cheapest car insurance on offer.

You would have to check to see if you can cancel your current car insurance (definitely yes if you sell the car (e.g. to a mate and buy it back the next day, officially with all the paperwork)).

You can also change your car for a cheap second-hand one which has a low insurance value.

I would not recommend to pretend that you are only an occasional driver because this would make your insurance invalid in the event of a claim, and yes they do check !

Best of luck
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Old 29.11.2011, 21:20
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Re: Car insurance / Car ownership

Thank you for quick response.

What is casco? I asked the cheapest option and even so the Allianz guy included that casco thing in my bill. In fact, I'm paying 450CHF for that....

I used comparis.ch to simulate the price difference between younger/older, less than 5 years/more than 5 years. After the simulation I concluded there isn't any difference in price by changing the insurance holder, but by changing the main driver data. The price duplicated in the case of the younger/less that 5 years driver.
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Old 29.11.2011, 21:24
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Re: Car insurance / Car ownership

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You can also change your car for a cheap second-hand one which has a low insurance value.
I bought my car in second-hand, 2006 Skoda. I was expecting a cheaper insurance for that.
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Old 29.11.2011, 21:34
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Re: Car insurance / Car ownership

There are three types of car insurance in Switzerland: Third-party liability insurance, which is compulsory; "Casco" insurance (fully comprehensive or collision) covers damage to the vehicle and is optional; Passenger insurance covers bodily harm to the passengers and is also optional.

Personally I believe it should be compulsory to have passenger insurance. I was in a car driven by a friend when we had a terrible crash. 6 months in hospital, 2 years+ to learn to walk again - and no compensation. I never had the heart to sue her as she was broke and had young kids.

Why not try 'our guy' at the Mobillière in Fleurier - his name is Claude Humbert and he speaks very good English, having lived in the US for some years.

Conseillers en assurances Humbert Claude
Mobile:* 078 622 23 95

Last edited by Odile; 29.11.2011 at 21:50.
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Old 29.11.2011, 21:34
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Re: Car insurance / Car ownership

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Your bill depends only on the car, your driving record, and which insurance options you choose.

My daughter (21) pays less than my wife, despite having a license for only 6 months, but she is at 60% and my wife at 85%, as my daughter had 3 1/2 years of a registered vehicle (small motorcycle) with no major accidents (even with no license).

You want to pay less? Get a cheaper car, get rid of casco, etc.

Now, if you want to insure it in someone else's name, you have to register it in their name. No problem, but any claims will boost their rates! If you have a friend willing to risk that, fine, but there is a good reason that my wife and daughter have their vehicles registered in their names!

Tom
What a load of tosh. I just checked a quote for a car for me then me + 10 years and the me + 10 years was about 700 francs cheaper
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Old 29.11.2011, 23:27
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Re: Car insurance / Car ownership

Thank you for the advice Odile. From your explanation I'm now sure that the casco insurance isn't what I demanded. I'll call them tomorrow.

I know a "conseiller" in La-Chaux-de-Fonds, I already went there to pick some information, but honestly I'm not interested to subscribe by a "conseiller". Conseillers are dramatic and every time assume the worst will happen, they are good for the people who cares. I don't. I'm a optimist! Thank you anyway for the contact, I'll note it just in case....

porsch1909, my "conseiller" told me that the price of the insurance in first place depends in your age and driving experience, then the car. He gave me this example: An insurance for a new brand Audi A6 is not necessarily going to be more expensive than for a Renault Clio Williams, depends on torque and statistics. A Clio Williams is related to young people that like to drive fast, that car has a rate of accident much higher than a Audi A6. Naturally the price of the insurance will include that higher chance of accident.
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Old 30.11.2011, 09:06
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Re: Car insurance / Car ownership

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What a load of tosh. I just checked a quote for a car for me then me + 10 years and the me + 10 years was about 700 francs cheaper
Well, I can photo copy their insurance bills, I know how much they pay because I just received them.

Tom
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