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Old 10.06.2018, 14:31
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Insuring my English car in Switzerland

Hello Guys,

I will be moving from England to Lausanne in August to start a new teaching position and will be bringing my car with me as I've only purchased it in the past couple of months.

Can anyone direct me to any good car insurance companies or have any advice on getting an English car insured in Switzerland what so ever? I'm really struggling to find much information online.

Also, would you guys recommend buying a motorway vignette prior to my arrival? If so, what is a legitimate trusted website to do so?

Thanks in advance for any help whatsoever,

Sean
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Old 11.06.2018, 12:45
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Re: Insuring my English car in Switzerland

Giving this a bump since there aren't any replies yet.

I think you can't import duty-free as part of your personal items since you haven't owned the car for at least 6 months.

As for insuring a RHD in Switzerland I'll let those who know more about it answer.
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Old 11.06.2018, 14:09
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Re: Insuring my English car in Switzerland

a couple of questions

What swiss permit do you have? (or will you have)

Do you still have a residency address in the uk?

What car is it? Is it on finance?

as said, if you've not owned the car for 6 months before coming here you're SOL and will have to pay duty on it - if you choose to import it

standard answer for importing a RHD car from the UK is - Don't, sell it in the uk and save yourself a shit load of trouble, paperwork, bills, grief for a car that you won't even be able to give away here.
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Old 11.06.2018, 14:20
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Re: Insuring my English car in Switzerland

"Insurance Jenny" who is sometimes on here can probably help.

https://www.englishforum.ch/insuranc...-my-forms.html

However, it will not be easy and it WILL be expensive compared to UK Example: I have exactly the same model of car here as in the UK. My UK insurance is 300GBP fully comp, full NCD etc etc. In Switzerland it is 1,200CHF. Because I had no Swiss driving record.


Yours will be worse because a) the car is not Swiss registered, b) it's RHD.


As per advice above, DO NOT BRING IT. Much cheaper and easier to get one here.



I know you don't want you hear that, but it is unfortunately good advice.



Regards




Ian


PS. Oh, buying a vignette. They sell them at the border crossing. And at motorway petrol stations.


PPS This thread might depress you further... https://www.englishforum.ch/transpor...tered-car.html

Last edited by eairicbloodaxe; 11.06.2018 at 14:30. Reason: Found the links
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Old 11.06.2018, 19:16
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Re: Insuring my English car in Switzerland

Thanks for all the information guys, it's so helpful. Sorry that I'm not replying to each person specifically as I don't really know how too... haha.

Basically, my car is a Vauxhall Astra 1.6 (2010) and I bought it around a month ago which will work out at around 3 months when I arrive. It's not on finance, I was able to buy it so it is easy enough to sell.

In terms of my permit, I actually don't know yet (I know I probably should) as I've only just got the position. I still have UK residency and I'm guessing I will be keeping it that way (Again, unsure on that as I'm totally new to all this)

Sooooo, from all your advice I'm going to just sell the car and hire one for my first week there to get myself sorted. It sounds like too much effort for a car I don't really care about, it was more out of convenience I was taking it. Saves a 13-hour drive over there I guess.

Once again, thanks for your help, I'm sure ill be on here a few more times before I leave.

Sean
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Old 11.06.2018, 23:25
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Re: Insuring my English car in Switzerland

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...I still have UK residency and I'm guessing I will be keeping it that way...
Why would you keep UK residency if you are living and working here? Not saying you can't (because I have no idea) but if you want to live and work here you do have to register as a resident.

Sorry, not trying to rain on your parade. Trying to get you some useful information so hopefully you don't wind up making expensive mistakes.
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Old 11.06.2018, 23:28
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Re: Insuring my English car in Switzerland

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Thanks for all the information guys, it's so helpful. Sorry that I'm not replying to each person specifically as I don't really know how too... haha.

Basically, my car is a Vauxhall Astra 1.6 (2010) and I bought it around a month ago which will work out at around 3 months when I arrive. It's not on finance, I was able to buy it so it is easy enough to sell.

In terms of my permit, I actually don't know yet (I know I probably should) as I've only just got the position. I still have UK residency and I'm guessing I will be keeping it that way (Again, unsure on that as I'm totally new to all this)

Sooooo, from all your advice I'm going to just sell the car and hire one for my first week there to get myself sorted. It sounds like too much effort for a car I don't really care about, it was more out of convenience I was taking it. Saves a 13-hour drive over there I guess.

Once again, thanks for your help, I'm sure ill be on here a few more times before I leave.

Sean



Could be useful to begin with if you wanted to bring some personal items but it is a long drive. You could probably use your UK insurance at least for a while while you transition from one country to another, if you maintain your UK address.


To the others, I've never seen a question on any insurance proposal about LHD or RHD, nor has any ever asked for certificate of Swiss matriculation or insisted that one must be present.
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Old 12.06.2018, 21:43
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Re: Insuring my English car in Switzerland

It is very possible to get Swiss residency but keep your UK residency, because it is actually bloody difficult to leave the good old UK if you keep going back to it (and have a house or business there).


Just be aware it means you pay tax at the highest of the two rates, plus a bit extra if you factor in accountants costs.


Regards




Ian
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Old 12.06.2018, 22:33
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Re: Insuring my English car in Switzerland

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It is very possible to get Swiss residency but keep your UK residency, because it is actually bloody difficult to leave the good old UK if you keep going back to it (and have a house or business there).


Just be aware it means you pay tax at the highest of the two rates, plus a bit extra if you factor in accountants costs.


Regards




Ian

Tax residency isn't necessarily the residency that insurers, banks etc are referring to. Most will want you to be a *permanent* resident, although they don't seem to ever stipulate exactly what they mean by that.
If the OP takes up a full time job in Switzerland they will automatically become non-UK tax resident immediately and until they spend over the allowed number of days in the UK.
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Old 13.06.2018, 21:25
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Re: Insuring my English car in Switzerland

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Tax residency isn't necessarily the residency that insurers, banks etc are referring to. Most will want you to be a *permanent* resident, although they don't seem to ever stipulate exactly what they mean by that.
If the OP takes up a full time job in Switzerland they will automatically become non-UK tax resident immediately and until they spend over the allowed number of days in the UK.

I beg to disagree. I have a full time job in Zurich with a Swiss company, tax etc. paid via quellenstelleur. I also have a house in the UK, plus a business (from which I receive no income except dividends).


You have to apply to leave. And if you don't meet the criteria, prove you meet the days requirement, at which point they may backdate it.



Agree it is probably easier if you completely sell up and move everything here. But since 2015 it has not been instant.


Regards




Ian
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Old 13.06.2018, 22:48
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Re: Insuring my English car in Switzerland

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I beg to disagree. I have a full time job in Zurich with a Swiss company, tax etc. paid via quellenstelleur. I also have a house in the UK, plus a business (from which I receive no income except dividends).


You have to apply to leave. And if you don't meet the criteria, prove you meet the days requirement, at which point they may backdate it.



Agree it is probably easier if you completely sell up and move everything here. But since 2015 it has not been instant.


Regards




Ian

You're quite simply wrong.
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Old 14.06.2018, 09:29
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Re: Insuring my English car in Switzerland

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You're quite simply wrong.
You can be tax resident in multiple countries, why the OP would want to be liable to tax in the UK on a Swiss salary beats me.

Insurance is based on utmost good faith, fail to give any relevant information even if not asked & they don't need to pay up. If you have a full time job & a Swiss residents permanent the insurance company would want to know that you are indeed NON UK resident. Remember you have to change your driving license to a Swiss one within 1 year if you wish to drive in CH, that also needs to be told to the UK insurer.
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Old 14.06.2018, 21:13
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Re: Insuring my English car in Switzerland

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You're quite simply wrong.

If I am, I have paid significant sums of money to separate UK and Swiss tax/residency experts, to be told the wrong information both times.


I agree my situation is unusual, but I am not... wrong.


Happy to admit that the OPs case may be different.


Regards


Ian
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Old 14.06.2018, 21:16
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Re: Insuring my English car in Switzerland

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You can be tax resident in multiple countries, why the OP would want to be liable to tax in the UK on a Swiss salary beats me.

Insurance is based on utmost good faith, fail to give any relevant information even if not asked & they don't need to pay up. If you have a full time job & a Swiss residents permanent the insurance company would want to know that you are indeed NON UK resident. Remember you have to change your driving license to a Swiss one within 1 year if you wish to drive in CH, that also needs to be told to the UK insurer.

The driving license thing is also a pain if you have a car in each country. Most UK car insurance will not usually cover you if you have a Swiss license, as they think Switzerland is not EU.



There are ways round it but boy, is it hard to find out. Neither DVLA or the Swiss equivalent could help much.



Regards




Ian
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Old 15.06.2018, 18:16
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Re: Insuring my English car in Switzerland

This all sounds wonderfully annoying and a pain! Haha.

I guess the school will help me a lot. It'll help that I don't own anything in the UK so my life will be in Switzerland and ill just hire a car when I come home to visit.

Thanks guys, appreciate the help.

Sean
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Old 15.06.2018, 18:29
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Re: Insuring my English car in Switzerland

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This all sounds wonderfully annoying and a pain! Haha.

I guess the school will help me a lot. It'll help that I don't own anything in the UK so my life will be in Switzerland and ill just hire a car when I come home to visit.

Thanks guys, appreciate the help.

Sean
UK car hire is incredibly cheap from airports usually under 10 a day. If only the same was true in CH.

Get an annual excess policy for 40 a year rather than pay 8-15 a day from a hire co.
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Old 15.06.2018, 19:00
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Re: Insuring my English car in Switzerland

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This all sounds wonderfully annoying and a pain! Haha.

I guess the school will help me a lot. It'll help that I don't own anything in the UK so my life will be in Switzerland and ill just hire a car when I come home to visit.

Thanks guys, appreciate the help.

Sean
I'm not really sure what point was trying to be made but I have a full time job in Switzerland and spend less than a certain number of days in the UK and am therefore non-UK resident. I never had to 'apply to leave'. I retain my UK house and business. Having to cut substantial ties was under the old residency rules. I've had bad advice from tax advisers. Better to go directly to the HMRC website. All the information is there and fairly easy to understand.
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Old 16.06.2018, 18:13
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Re: Insuring my English car in Switzerland

How about keeping the UK car insurance and adding travel car insurance to it? With your existing UK insurance
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Old 23.06.2018, 10:58
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Re: Insuring my English car in Switzerland

It's all good. My decision was made for me. Had to take the car back to the dealer and get my money back due to constant problems with it.

Thanks for all the help and advice though. This whole forum is amazing in terms of making the move easier.

Thanks guys,

Sean
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