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Old 16.09.2010, 23:47
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Car insurance before receiving permit?

So today we registered at the kreisbureau - completely painless - apart from the fee charged of course

I'm on track to get a B permit, but this will now take some time to land in the mailbox. In the meantime, I'm itching to get a car . But then I need insurance...

Has anyone got any experience with getting car insurance based on the registration confirmation? In case it matters, this is for an EU-17 passport holder.

Have rung a few insurers, and the call center staff either tell you that you must have the permit in your hands, or that you don't - but the latter responses tend to become rather less certain in the face of questioning.
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Old 17.09.2010, 10:56
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Re: Car insurance before receiving permit?

You should be OK. Your best bet is to speak to Zuritel - or whatever they now call themselves (Zuirch24??) - in my experience they tend to be one of the more flexible and ex-pat friendly companies.

Saying that, I very much doubt you would be the first person going to an insurance company requesting a policy with just a registration letter.
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Old 22.09.2010, 16:56
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Re: Car insurance before receiving permit?

We just did it - last month. Both for a car and a motorcycle. No permit B at the time, only the registration letter from the commune (Canton Vaud). We are also European citizens, and had no problem at all. And we got quotes from several insurance agencies...

The only potential hiccup is that you probably need to buy a car, as opposed to leasing one. Not because of any issues with the insurance companies -- but I was told that a leasing company would likely not accept us without the B permit in hand first.

Good luck!
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Old 22.09.2010, 20:52
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Re: Car insurance before receiving permit?

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You should be OK. Your best bet is to speak to Zuritel - or whatever they now call themselves (Zuirch24??) - in my experience they tend to be one of the more flexible and ex-pat friendly companies.

Saying that, I very much doubt you would be the first person going to an insurance company requesting a policy with just a registration letter.
I called Zurich Connect, they don't check whether you have a B permit - but you have to complete the form stating that you have one, otherwise you can't get cover.

Whether this means you are in fact covered if you are still waiting for the permit is not clear, but I suspect not. Given that insurance is about worst-case (hitting that Ferrari), and that insurance companies will seek to minimise their payouts (e.g. seeking ways to invalidate your insurance), I feel a bit edgy about such an approach.

Maybe its a case of not worrying too much and just going ahead...
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