Go Back   English Forum Switzerland > Help & tips > Insurance  
Reply
 
Thread Tools Display Modes
  #1  
Old 14.09.2020, 21:51
Newbie 1st class
 
Join Date: Sep 2018
Location: Zurich
Posts: 23
Groaned at 0 Times in 0 Posts
Thanked 10 Times in 7 Posts
yarpen has no particular reputation at present
Car insurance: new in Switzerland

Hi,

it's my first time that I have to insure my care in Switzerland. I've read many great posts on this forum and I think I understand how the system works. However, there are still some unanswered questions left:

1) It seems that for a relatively new car (1.5 year), it makes sense to have Vollkasko, Parkschaden (damages by other cars while parked), Assistance Europe (I travel quite frequently, at least I used to before the pandemy), maybe glass protection (I don't think it makes sense to insure lights as well), and the protection in case of gross negligence.

2) Since I'm new here, my insurance level is 30% which is weird because no online calculator respects my previous insurance, there's always only the option "neu in der Schweiz". At the same time, I had neither collisions nor claims in the last 5 years. Is this why I'm at the lowest tier? If they don't ask me about the length of previous insurance, it makes no sense to put me so low.

3) If I'm truly at the lower tier, then it makes perfect sense to have the protection (Bonusschatz) from going up in case of any claims?

4) Any other tricks I should be aware of? Other useful options?

I'm trying to decide between Allianz and baloise. With the former I had good experience with their EU counterpart, whereas baloise seems to have good reputation on the forum and they have a very interesting "Neuwert" option which locks car evaluation for the next few years. Even though it seems to be only for total loss and theft, it seems like a good option.
Reply With Quote
This user would like to thank yarpen for this useful post:
  #2  
Old 15.09.2020, 08:37
NotAllThere's Avatar
Forum Legend
 
Join Date: Oct 2008
Location: Baselland
Posts: 12,297
Groaned at 189 Times in 166 Posts
Thanked 17,767 Times in 7,229 Posts
NotAllThere has a reputation beyond reputeNotAllThere has a reputation beyond reputeNotAllThere has a reputation beyond reputeNotAllThere has a reputation beyond reputeNotAllThere has a reputation beyond reputeNotAllThere has a reputation beyond repute
Re: Car insurance: new in Switzerland

When I came to Switzerland, they just asked me what my no-claims bonus was. There was no requirement for proof.

Definitely get protected no claims. We're allowed one claim a year. Although now my car is so old, at renewal I'll switch to 3rd party only.
Reply With Quote
This user would like to thank NotAllThere for this useful post:
Reply




Currently Active Users Viewing This Thread: 1 (0 members and 1 guests)
 
Thread Tools
Display Modes

Posting Rules
You may not post new threads
You may not post replies
You may not post attachments
You may not edit your posts

BB code is On
Smilies are On
[IMG] code is On
HTML code is Off
Trackbacks are Off
Pingbacks are Off
Refbacks are Off


Similar Threads
Thread Thread Starter Forum Replies Last Post
Switzerland and insurance wtvswiss Insurance 23 14.07.2016 17:40
Car insurance outside Switzerland Nukles Insurance 11 02.05.2013 22:18
Car insurance in Switzerland squeezyphil Insurance 3 25.11.2012 16:39
Car Insurance in Switzerland hodgedob Transportation/driving 4 06.01.2010 16:21


All times are GMT +2. The time now is 05:43.


Powered by vBulletin® Version 3.8.4
Copyright ©2000 - 2020, Jelsoft Enterprises Ltd.
LinkBacks Enabled by vBSEO 3.1.0