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Old 20.10.2012, 15:39
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Car insurance question regarding ban

Hi all,

I am moving to Switzerland next year and had some questions regarding car insurance.

I'm a British citizen but have been residing in Sweden the past 2 years.

At the start of the year I got a three month driving ban for speeding. my license was confiscated but as it is a UK license there was no Mark put on it.

I've been looking at insurance quotes in Switzerland and they ask if you have been banned from driving. Just wanted to know if I had to declare this to them as it doesn't specify driving ban in Switzerland.

Thanks in advance!
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Old 20.10.2012, 15:45
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Re: Car insurance question regarding ban

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Hi all,

I am moving to Switzerland next year and had some questions regarding car insurance.

I'm a British citizen but have been residing in Sweden the past 2 years.

At the start of the year I got a three month driving ban for speeding. my license was confiscated but as it is a UK license there was no Mark put on it.

I've been looking at insurance quotes in Switzerland and they ask if you have been banned from driving. Just wanted to know if I had to declare this to them as it doesn't specify driving ban in Switzerland.

Thanks in advance!
You should declare as insurance is based on utmost good faith, if you don't then you can forget any payouts if they find out, especially on accident damage. They will pay 3rd party claims but may choose to recover from you, be warned the concept of bankruptcy DOES NOT exist in CH so you will be liable for the full extent of the claim.
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Old 20.10.2012, 15:48
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Re: Car insurance question regarding ban

Thanks for the quick reply! I'll definitely declare.... Just have to lower my expectations on the car I wanted!
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Old 20.10.2012, 15:49
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Re: Car insurance question regarding ban

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Thanks for the quick reply! I'll definitely declare.... Just have to lower my expectations on the car I wanted!
Bans are quite common here, especially for speeding, it will have an effect but way less than in the UK for example.
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Old 20.10.2012, 15:59
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Re: Car insurance question regarding ban

Thanks again, just checked comparis.ch and it made zero difference which is a bit strange. Guess it may be different once I goto the actual insurers site.
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Old 22.10.2012, 12:36
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Re: Car insurance question regarding ban

I am not sure about the other companies or some of the online suppliers but within my division at Zurich we couldn't care less about a speeding offence such as this. We would make a note of it, but we would not load the policy against it.

We would only be concerned with more major offences, if there was an accident as a result or say dangerous driving conviction made.

Best,
David
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