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Old 15.11.2007, 15:00
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Car Insurance: Doesn't seem so expensive or am I doing something wrong?

I've read all the car insurance threads here most of which opine that Swiss insurance is expensive. However, the point of reference seemed to be the UK. I just tried comparis and got quoited 1.1 - 1.5k CHF / year on a family style, diesel, kombi. That's quite a bit lower than I was paying in the US. Is that considered expensive here? Either my expectations were high, or I'm not punching the right figures into Comparis.
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Old 15.11.2007, 15:46
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Re: Car Insurance: Doesn't seem so expensive or am I doing something wrong?

To be honest I found it a lot cheaper than in the UK. I pay about the same price over here for my BMW 330xi (no valid Swiss no claims bonus) as I did in the UK for a 318ti with 10years no claims.

The price also doesn't seem to make a huge difference on the types of cars as a 325xi was about the same as the 330 - really strange. Can't complain though as I now get to drive cars with proper power.
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Old 15.11.2007, 16:03
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Re: Car Insurance: Doesn't seem so expensive or am I doing something wrong?

I think perceptions of insurance price depends where you come from. Quotes for insurance that I have had here for Zürich are dramatically lower than inner London, comparable to Sydney and dramatically higher than when I was in Darwin in the north of Australia (even taking into account inflation since then).

A lot of people would probably be coming from having maximum no claims in their home country and hitting the shock that you start from scratch in a new country.
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Old 10.12.2007, 21:14
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Re: Car Insurance: Doesn't seem so expensive or am I doing something wrong?

Can you not have a letter from your current insurer and transfer your no claim bonus? It works like that between companies in UK so I expect the same
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Old 10.12.2007, 21:32
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Re: Car Insurance: Doesn't seem so expensive or am I doing something wrong?

You should get some bonus...

It's usually automatically calculated from the number of years you've had your driving license.


I don't think it's that bad compared to the UK.

I've noticed that some companies are cheaper for Swiss drivers and some are cheaper for foreigners!
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Old 10.12.2007, 23:29
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Re: Car Insurance: Doesn't seem so expensive or am I doing something wrong?

I got something like a 60% discount off the quote for my insurance on my new VW just because I was referred tot he insurance agent by the car dealer and they're such a big client
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Old 11.12.2007, 00:07
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Re: Car Insurance: Doesn't seem so expensive or am I doing something wrong?

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A lot of people would probably be coming from having maximum no claims in their home country and hitting the shock that you start from scratch in a new country.
My UK insurance company sent me a letter (NB. before I left the UK) stating 8 years no claims and when I presented this to the dealer from whom I bought the car, the insurance company honoured it - the dealer arranged the insurance for me as I had language problems

I think this is fairly normal procedure.
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Old 11.12.2007, 13:28
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Re: Car Insurance: Doesn't seem so expensive or am I doing something wrong?

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I think perceptions of insurance price depends where you come from. Quotes for insurance that I have had here for Zürich are dramatically lower than inner London, comparable to Sydney and dramatically higher than when I was in Darwin in the north of Australia (even taking into account inflation since then).

A lot of people would probably be coming from having maximum no claims in their home country and hitting the shock that you start from scratch in a new country.
Why would you do that? I was just asked how many accidents costing more than XXXX CHF and answered truthfully.

Easy as that.
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Old 11.12.2007, 13:48
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Re: Car Insurance: Doesn't seem so expensive or am I doing something wrong?

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Why would you do that? I was just asked how many accidents costing more than XXXX CHF and answered truthfully.

Easy as that.
Maybe it is just UK insurance companies that don't honour no claim bonuses from other countries. A ten year unblemished insurance record in Australia counted for nothing when I was shopping for insurance in the UK until I found one small insurance company that took a more rational approach.

The best bit was when I first got quotes I told them I had been on my Australian licence for 20 years. When I bought the car the quotes suddenly went up because I'd transfered to a UK license and I had only had that licence for a week.

Glad to hear that things are more sensible over here.
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Old 05.02.2008, 14:58
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Re: Car Insurance: Doesn't seem so expensive or am I doing something wrong?

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I've read all the car insurance threads here most of which opine that Swiss insurance is expensive. However, the point of reference seemed to be the UK. I just tried comparis and got quoited 1.1 - 1.5k CHF / year on a family style, diesel, kombi. That's quite a bit lower than I was paying in the US. Is that considered expensive here? Either my expectations were high, or I'm not punching the right figures into Comparis.
US is a crazy extreme - a very litiginous society with juries that are given to extortionate claims

When I was in Florida, I paid over $1,000 to insure our car, then paid a similar amount to buy insurance against being hit by an uninsured driver, and then paid yet again against being hit by an under-insured driver

I thought this was a scam until I asked around... I was shown statistics that said over a third of the drivers on Miami's roads were not insured. As you can imagine, that did not make me feel like taking a chance ...
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