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Old 13.03.2012, 19:56
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IMPORTANT Zurich announcement about insuring foreign registered motor vehicles

It has come to our attention that there is some confusion over insuring a foreign EU or green card area registered vehicle and some companies who are offering to do such.

Please find bellow .pdfs of the official status of such cover.

The statements are in German and English.

These legislations are for ALL Swiss and foreign Insurance companies operating in Switzerland and not specific to Zurich policies.

I will of course expand or explain these implications if anyone has any questions.
Attached Files
File Type: pdf German version.pdf (203.6 KB, 225 views)
File Type: pdf English version.pdf (192.4 KB, 727 views)
File Type: pdf list.pdf (132.1 KB, 566 views)
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Old 15.03.2012, 23:03
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Re: IMPORTANT Zurich announcement about insuring foreign registered motor vehicles

Thank you, that was useful info.
That statement in pdf is not what some insurance company reps have told me...
So you will need Swiss MFK before getting insurance for your car. No insurance for car bought from BE/NL/I/DE/etc when driving it here and no insurance after paying tax and VAT at border, only after the MFK.
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Old 15.03.2012, 23:51
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Re: IMPORTANT Zurich announcement about insuring foreign registered motor vehicles

Good thing I did it back in the '80s (Winterthur gave me a FREE green card for my US plates for better part of a year with my US plates!)

Tom
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Old 16.03.2012, 00:20
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Re: IMPORTANT Zurich announcement about insuring foreign registered motor vehicles

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Thank you, that was useful info.
That statement in pdf is not what some insurance company reps have told me...
So you will need Swiss MFK before getting insurance for your car. No insurance for car bought from BE/NL/I/DE/etc when driving it here and no insurance after paying tax and VAT at border, only after the MFK.
I think this is incorrect. An insurer can agree to insure the vehicle at any time. Zurich may not be willing to do so, but it isn't up to Zurich to define what risks other companies are prepared to insure.

It is also misleading with respect to cars that are purchased in other green card states and driven into Switzerland for import. Don't forget the car has generally been registered in the other state and insurance (third party or comp) can be obtained in that state.

So as an example, when I brought our car from the UK as a personal export, the car was registered in the UK with a VX302, had UK plates and valid UK third party insurance on that registration right up to the moment that the Swiss registration was complete and the VX302 was cancelled.

It's right to be careful about these things but there is a risk of becoming so obsessive about it that you lose sight of the truth!
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Old 16.03.2012, 00:30
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Re: IMPORTANT Zurich announcement about insuring foreign registered motor vehicles

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I think this is incorrect. An insurer can agree to insure the vehicle at any time. Zurich may not be willing to do so, but it isn't up to Zurich to define what risks other companies are prepared to insure.

It is also misleading with respect to cars that are purchased in other green card states and driven into Switzerland for import. Don't forget the car has generally been registered in the other state and insurance (third party or comp) can be obtained in that state.

So as an example, when I brought our car from the UK as a personal export, the car was registered in the UK with a VX302, had UK plates and valid UK third party insurance on that registration right up to the moment that the Swiss registration was complete and the VX302 was cancelled.

It's right to be careful about these things but there is a risk of becoming so obsessive about it that you lose sight of the truth!
Also for Swiss residents it is possible to drive a car from a green card state to Switzerland on Tageschilde with compulsory third party insurance.
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Old 16.03.2012, 13:59
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Re: IMPORTANT Zurich announcement about insuring foreign registered motor vehicles

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Thank you, that was useful info.
That statement in pdf is not what some insurance company reps have told me...
I am afraid to say that in that case they are not correct. We have just completed an extensive investigation into a couple of companies who were in breech of the regulations and on such policies they have been served with an instant "cease of trade" notice.

I will address your other question later in this post.

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Good thing I did it back in the '80s (Winterthur gave me a FREE green card for my US plates for better part of a year with my US plates!)

Tom
Hi Tom,

These regulations are only for the countries listed who are part of the agreement states.

America, Canada, Australia etc have different legislation and we for example can instantly provide liability cover for say a US plated car / bike. So no worries..

It is also important to stress that we are only talking about the liability part of the insurance and not the "asset" against loss from fire and theft or wrapping it 'round a tree. However we can insure these risks in addition to a liability cover from another means on such vehicles.


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I think this is incorrect. An insurer can agree to insure the vehicle at any time. Zurich may not be willing to do so, but it isn't up to Zurich to define what risks other companies are prepared to insure.

It is also misleading with respect to cars that are purchased in other green card states and driven into Switzerland for import. Don't forget the car has generally been registered in the other state and insurance (third party or comp) can be obtained in that state.

So as an example, when I brought our car from the UK as a personal export, the car was registered in the UK with a VX302, had UK plates and valid UK third party insurance on that registration right up to the moment that the Swiss registration was complete and the VX302 was cancelled.

It's right to be careful about these things but there is a risk of becoming so obsessive about it that you lose sight of the truth!

Stephen,

The statement adheres strictly to the International regulations.

We released the statement as much needed clarification due to recent infractions.

To address your concerns without prejudice I will break them into sections:

I think this is incorrect. An insurer can agree to insure the vehicle at any time. Zurich may not be willing to do so, but it isn't up to Zurich to define what risks other companies are prepared to insure.

In so far as insurance companies are concerned this quote is totally untrue within Switzerland.

The regulations are put in place by the Council of (de) Bureaux.

Each country that is part of the "Green -Card Agreement States" as listed in the country .pdf has a company and representative within the Council; in charge of all the regulations for all the companies in that country. It so happens that as is the case of other countries a special division of Zurich is Switzerland's.

Zurich were responsible for negotiating and drawing up this legislation and are responsible for ALL motor affairs with international parties. They are also responsible for holding the funds and payments on claims where the other party is unknown or uninsured. A percentage of all policies in Switzerland is paid to Zurich by other companies.

It is also misleading with respect to cars that are purchased in other green card states and driven into Switzerland for import. Don't forget the car has generally been registered in the other state and insurance (third party or comp) can be obtained in that state.

The statement is only to do with providing liability cover in Switzerland on a "green-card agreement state" plated car. If the vehicle is insured from another country this is obviously not an issue. However, the liability policy MUST be issued from the county the plates are from and one should have a domicle address in that country / be a resident.

So as an example, when I brought our car from the UK as a personal export, the car was registered in the UK with a VX302, had UK plates and valid UK third party insurance on that registration right up to the moment that the Swiss registration was complete and the VX302 was cancelled.

Well this you did correctly. As long as the insurance was issued from the UK this is correct. This is an issue however for people who do not have a valid UK address.

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Also for Swiss residents it is possible to drive a car from a green card state to Switzerland on Tageschilde with compulsory third party insurance.
This is true for a maximum of 96 hours. However the validity of these plates is questionable in other countries making driving it over shall we say interesting. We are currently in discussions with various embassies to obtain definitive written documentation for the use in their countries.

The ways you can cover the liability in Switzerland on such vehicles are:

Swiss Matriculation and Swiss plates.

Tageschilde.

Swiss Liability insurance obtained from customs.

Export plates from the country it came from if the liability is linked to the number for example Germany on the Ausfuhrkennzeichen.

Garage U trade plates, however these are only valid within Swiss borders.


It is NOT legal to drive with no plates as incorrectly stated in another post.

It's right to be careful about these things but there is a risk of becoming so obsessive about it that you lose sight of the truth!

It is indeed right! Which is why we are. The truth are the facts which are precisely what are stated in the statement into what it pertains to and the areas addressed herein.

We pride ourselves with having in-depth knowledge of such matters and helping people to avoid potentially serious issues. Our devision is especially aware of the need to inform and assist the English speakers here and protect them; dispel the the myth, rumours and mistaking opinion and interpretation for fact.

To emphasise importance of the regulations implications:

An unsuspecting driver passed though a control in Germany, on inspection of
their documentation they were instantly arrested. The policy had cover from Switzerland but was on EU plates, the police knowing this was not legal was believed the policy to be a fake.

So you will need Swiss MFK before getting insurance for your car. No insurance for car bought from BE/NL/I/DE/etc when driving it here and no insurance after paying tax and VAT at border, only after the MFK.

To obtain Swiss liability cover if it is from one of these countries yes, as it is connected to the number plates.

The second half I believe I answered in response to Stephen.

Last edited by saint7uk; 16.03.2012 at 14:45. Reason: Forgot to add something
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Old 16.03.2012, 14:12
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Re: IMPORTANT Zurich announcement about insuring foreign registered motor vehicles

I think I have found the relevant law, if you have a car on foreign plates you need a "Grenzversicherung/Frontier insurance":

Art. 44,Art. 45, and Art. 46 VVV

But it does not forbid the extension of the insurance to other states than Switzerland. According to the Swiss National Bureau of Insurance this insurance is valid in all EEA states and is managed through Zurich. It is only available at customs offices at the border in these designated inland offices. It is very expensive and will cost you CHF 1200.- for just six month and will cover third party liability only.

There is a one month cover for CHF 250.- (CHF 100.- for motorcylcle). This could for ex. be used to drive a newly bought second hand UK car with valid MOT and UK license plate to Switzerland.

VVV: SR 741.31 Verkehrsversicherungsverordnung vom 20. November 1959
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Old 16.03.2012, 14:44
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Re: IMPORTANT Zurich announcement about insuring foreign registered motor vehicles

Thanks I forgot to add the customs insurance on my monologue... This is of course the 5th way... I will edit the post...
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Old 16.03.2012, 20:56
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Re: IMPORTANT Zurich announcement about insuring foreign registered motor vehicles

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Garage U trade plates, however these are only valid within Swiss borders.



We pride ourselves with having in-depth knowledge of such matters and helping people to avoid potentially serious issues. Our devision is especially aware of the need to inform and assist the English speakers here and protect them; dispel the the myth, rumours and mistaking opinion and interpretation for fact.


this statement is complete nonsense, a mate regularly travels all over germany and east as far as the ukraine using his U numbers. as far as i'm aware italy is the only EU state that doesn't like swiss traders plates.

a few years we were going to fly to liverpool taking the plates with us and borrow a car from a mate of mine, put the swiss plates on it then drive to newcastle, collect an automatic transmission for his camaro , drive back to liverpool and fly home paying a fair price for the gearbox as excess baggage.

his insurance company issued a green card and were fully aware of exactly what we were doing.

l



i've no idea who you ("ourelves") are, maybe a rep for züri versicherung?
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Old 17.03.2012, 00:30
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Re: IMPORTANT Zurich announcement about insuring foreign registered motor vehicles

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this statement is complete nonsense, a mate regularly travels all over germany and east as far as the ukraine using his U numbers. as far as i'm aware italy is the only EU state that doesn't like swiss traders plates.

a few years we were going to fly to liverpool taking the plates with us and borrow a car from a mate of mine, put the swiss plates on it then drive to newcastle, collect an automatic transmission for his camaro , drive back to liverpool and fly home paying a fair price for the gearbox as excess baggage.

his insurance company issued a green card and were fully aware of exactly what we were doing.

l



i've no idea who you ("ourelves") are, maybe a rep for züri versicherung?
Sorry genuine writing mistake there! it was supposed to read:

Garage U trade plates, however these are only valid within certain borders.

post won't let me edit now.
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Old 20.03.2012, 21:49
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Re: IMPORTANT Zurich announcement about insuring foreign registered motor vehicles

[QUOTE=ayemibbe;1515622]this statement is complete nonsense, a mate regularly travels all over germany and east as far as the ukraine using his U numbers. as far as i'm aware italy is the only EU state that doesn't like swiss traders plates.

a few years we were going to fly to liverpool taking the plates with us and borrow a car from a mate of mine, put the swiss plates on it then drive to newcastle, collect an automatic transmission for his camaro , drive back to liverpool and fly home paying a fair price for the gearbox as excess baggage.

his insurance company issued a green card and were fully aware of exactly what we were doing.

l

Confirmed by a garage owner:
"Trailers using Swiss garage trade plates are not insured in some EU states, and there for illegal" Many years back, isn't under current regs.
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Old 20.03.2012, 23:14
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Re: IMPORTANT Zurich announcement about insuring foreign registered motor vehicles

[QUOTE=Papa Goose;1518896]
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this statement is complete nonsense, a mate regularly travels all over germany and east as far as the ukraine using his U numbers. as far as i'm aware italy is the only EU state that doesn't like swiss traders plates.

a few years we were going to fly to liverpool taking the plates with us and borrow a car from a mate of mine, put the swiss plates on it then drive to newcastle, collect an automatic transmission for his camaro , drive back to liverpool and fly home paying a fair price for the gearbox as excess baggage.

his insurance company issued a green card and were fully aware of exactly what we were doing.

l

Confirmed by a garage owner:
"Trailers using Swiss garage trade plates are not insured in some EU states, and there for illegal" Many years back, isn't under current regs.
since trailer regulations vary pretty widely across the entire planet and not just in the EU you may well be correct on that, but i was not talking about trailers and unless i missed something neither was the original poster...........
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