Paying too much for car insurance? - Page 2

st2lemans · #21 11.10.2011, 10:05

	Quote:	FriendlyKiwi
	Teilkasko = 3rd party insurance, covers other vehicles in an accident, but not your vehicle

No, Teilkasko is fire, theft, and some other stuff (hail and animal damage).

3rd party is the base insurance.

Tom

tom tulpe · #22 11.10.2011, 10:15

	Quote:	FriendlyKiwi
	Vollkasko = full insurance, covers you if you cause damage to your car in an accident Teilkasko = 3rd party insurance, covers other vehicles in an accident, but not your vehicle Obviously, full insurance cover is more expensive...

Not quite.
Vollkasko = what you said
Teilkasko = covers damage to your own car caused by certain events only (typically theft, vandalism, collision with animals, glass damage not caused by collision), i.e. not damage caused by accident.
Basic 3rd party / Haftpflicht = covers damages you cause to others. This is the only mandatory insurance.

So if you have a brand spanking new car, you go for expensive Vollkasko. If yours is a really old clanger, you get 3rd party only and put the money you save aside to buy a new car if you plant yours against a tree or something.

BTW if someone else causes damage to your car, it's their insurance that pays, or the NBI if they are uninsured.

Kuppu · #23 11.10.2011, 23:49

SOme of the answers that I got from insurance company for justfying higher insurance premium for Indian nationality, but passed swiss driving exam and driving car without any incident for little over 10 years

(a) The premium is calculated automatically by the system, we have no possibility to influence the procedure. There are various facts, which are determining. The nationality is one of it. Based on different statistics the different levels for calculation have been settled.We understand your annoyance, but unfortunately we have no chance to change it.

(b) We are very sorry, that we can not give you further information.

Does someone in this forum knows, if it is possible to get my car insured by a company based in France? That way, I at least have the satisfaction to be not part of this discriminatory swiss system.

Thanks

	Quote:	axman
	British = Swiss (despite driving on the wrong side of the road) However, she is a female... but difference won't be that much. In any case, it does not depend on whose name, it depends on who you declare to be the main user of the car. I have British licence and passport from a non-EU country in which i only spent about 3 years of my life in total. I shopped around, and no chance to avoid this discrimination in Switzerland...

rogerso62 · #24 12.10.2011, 19:16

	Quote:	inky007
	Hi all, I was wondering if I could get any feedback on this: our car insurance just got finalized and it is going to cost us about chf 3200 a year for a Subaru Forester 2003 with less than 50,000 miles. That is almost 3 times what we paid for 2 cars in the states! I know everything is super expensive here, but I am wondering if our insurance company is just out there in terms of cost. Any thoughts?

Hi all,

I insured my car with the help of David from NVC AG in Zurich. I'm very happy with the service. Maby he can help you.

Cheers

rogerso62 · #25 12.10.2011, 19:18

I found his number 076 372 46 46.