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Old 01.06.2014, 11:05
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Change of car insurance

Hi All,

A little background:
I've bought a car in CH end of April this year. I had L permit back then.
I've received my B permit 2 weeks after I bought the car.

The current insurer is quite expensive. If I check the quotes with my current 'parameters' it gives me an offert 33% less I have currently.

I've asked the the current company if we can do anything about this, they claim that it has nothing to do with my permit. (well, it obviously does)

Another problem is that I put 20000 km on the contract (I didn't know that if I exceed that, the insurance won't cover the damage)
Can I get that change afterwards? (sure I know I should call them, but it's a pain in the ... that they are not really eager to speak English )

The question is:
Is there a time when I am allowed to change insurer? How does it work here?

Thanks
Z
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Old 01.06.2014, 11:08
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Re: Change of car insurance

You can change your insurance contract on a car by,
a) waiting for the 7 year contract to finish
b) selling the car
c) leaving Switzerland permanently

Next time look here first https://en.comparis.ch/auto/default.aspx
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Old 01.06.2014, 11:13
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Re: Change of car insurance

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You can change your insurance contract on a car by,
a) waiting for the 7 year contract to finish
b) selling the car
c) leaving Switzerland permanently

Next time look here first https://en.comparis.ch/auto/default.aspx
What 7 year contract that is false, ever since I had car insurance here it has been 1 year at a time and dead easy to change companies each year
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Old 01.06.2014, 11:19
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Re: Change of car insurance

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You can change your insurance contract on a car by,
a) waiting for the 7 year contract to finish
b) selling the car
c) leaving Switzerland permanently

Next time look here first https://en.comparis.ch/auto/default.aspx
7 years? gee... what if I just dump the reg plate and tell sva that I am not using the car anymore. Wouln't that cancel the insurance automatically.

And the week after I go to sva again with a new insurance, and tell them hey, I need a reg plate I had change my mind...
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Old 01.06.2014, 11:28
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Re: Change of car insurance

As you are whingeing, I assumed you had a 7 year contract (Maybe there are 1 year contracts, but after living 25 years here, I never met one)

I have given you my 3 options, why not try your 4th option and see if it works? Do come back and tell us please.
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Old 01.06.2014, 11:31
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Re: Change of car insurance

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What 7 year contract that is false, ever since I had car insurance here it has been 1 year at a time and dead easy to change companies each year
May I ask you what company you are talking about?
thx
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Old 01.06.2014, 11:37
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Re: Change of car insurance

Zurich
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Old 01.06.2014, 11:43
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Re: Change of car insurance

Most insurance companies do take into account the type of permit and nationality when making an offer.
Check your contract for contract termination. I wouldn't cancel before you have a better offer in hands. As pointed out, a good solution is to ask for offers through Comparis.
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Old 01.06.2014, 11:46
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Re: Change of car insurance

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As you are whingeing, I assumed you had a 7 year contract (Maybe there are 1 year contracts, but after living 25 years here, I never met one)

I have given you my 3 options, why not try your 4th option and see if it works? Do come back and tell us please.
Zurich connect is a 1 year contract, Zurich arranged by an agent is 5 years. The advantage being you get a green card valid for 5 years rather than 1 year.
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Old 02.06.2014, 12:39
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Re: Change of car insurance

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You can change your insurance contract on a car by,
a) waiting for the X year contract to finish and not missing the next cancellation date
b) selling the car
c) leaving Switzerland permanently
d) making a claim
Fixed it.
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Old 25.03.2015, 21:51
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Re: Change of car insurance

I have a car insurance with Zurich running until 2018 (contract termination date stipulated in insurance policy). Recently, I discovered by means of comparis that similar cover from Allianz24 would save me 50% per annum. When the agent from Allianz24 called me today, I asked if they could handle the cancellation. They said they couldn't do that themselves (unlike in case of health insurance when switching the providers, comparis can handle for you the Kündigung process). Adviced me to contact Zurich and ask.

Before, I do that and start pissing anyone off, I had better asked on the EF first. Is it practically possible to switch currently running car insurance prior its expiry date? Or is the policy termination date strictly and contractually binding?

Shall I then just send them a cancellation out of the blue?

Many thanks.
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Old 25.03.2015, 22:04
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Re: Change of car insurance

Sell the car to your wife/girlfriend. and re-register.

Tom
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Old 25.03.2015, 22:15
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Re: Change of car insurance

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Sell the car to your wife/girlfriend. and re-register.

Tom
Look Tom, thank you but I need the least complicated scenario. I don't wanna go about it Italian way

When push comes to shove, I can live with "50% paid more" kind of discomfort.
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Old 26.03.2015, 08:28
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Re: Change of car insurance

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Look Tom, thank you but I need the least complicated scenario. I don't wanna go about it Italian way
I ain't no Italian

What Tom suggest is indeed the least complicated scenario.
My agent was very helpful with the procedure (drawing up to insurance contract), which is absolutely simple.
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Old 26.03.2015, 08:44
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Re: Change of car insurance

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Sell the car to your wife/girlfriend. and re-register.

Tom
This is indeed your only option. The actual sale is entirely optional, but for all intents and purposes, you can verbally agree with your girlfriend that she'll buy your car for a token 1 CHF, lol.

1. Arrange offer with new insurer, do not sign it yet.
2. Go to the STVA, de-register the car (have them stamp the vehicle's grey card as void).
3. Call your insurer saying you sold the car and want to cancel your contract. They'll likely want you to send them a registered letter. Do that.
4. Wait until you get a letter from your current insurer that they have received notification that your car was de-registered.
4. Sign the insurance with your new insurer
5. Pick up your new grey card from STVA
6. Drive off into the sunset and blow all the money you saved on worldly delights.
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Old 26.03.2015, 08:52
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Re: Change of car insurance

xynth, nicely explained but your version has a major draw back. There is a period when you cannot drive the car. That's why the GF/wife method is better.

So here is the GF/wif procedure:

Get a insurance contract for your wife.
Transfer registration to wife.
Wait for reimbursement from old insurance.
Finalize your own new contract.
Transfer registration back to you.

And as you said, there does not need to be an actual sale or transfer of ownership, transfer of registration is all what is needed.
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Old 26.03.2015, 08:56
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Re: Change of car insurance

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xynth, nicely explained but your version has a major draw back. There is a period when you cannot drive the car. That's why the GF/wife method is better.

So here is the GF/wif procedure:

Get a insurance contract for your wife.
Transfer registration to wife.
Wait for reimbursement from old insurance.
Finalize your own new contract.
Transfer registration back to you.

And as you said, there does not need to be an actual sale or transfer of ownership, transfer of registration is all what is needed.
...
5. Arrange for studio cell in jail.
6. Switch studio cell to double cell in jail (just in case your wife/GF joins you).
...



Wife has learners license only
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Old 26.03.2015, 09:03
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Re: Change of car insurance

No jail, it's perfectly legal.

Tom
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Old 26.03.2015, 09:05
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Re: Change of car insurance

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No jail, it's perfectly legal.

Tom
No it's not because girlfriend or wife has to have a valid license to be able to have the insurance contract singed on her name.
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Old 26.03.2015, 09:42
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Re: Change of car insurance

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No it's not because girlfriend or wife has to have a valid license to be able to have the insurance contract singed on her name.
No. You do not need a license to get insurance and register a car in your name.

And as it is temporary only, the cost of the insurance is a not a big deal.
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