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  #21  
Old 02.03.2016, 17:16
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Re: Taking a UK lease car to Switzerland

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In my opinion OP will need to buy the car in order to declare import or to do anything with it in Switzerland.
Car is not in his name. V5 belongs to the leasing company.
I'm in a same situation with less months remaining on the lease.
I suspect the car is registered in the OP's name as he is the registered keeper, which is not proof of legal ownership.
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  #22  
Old 02.03.2016, 17:17
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Re: Taking a UK lease car to Switzerland

There's always confusion between driving across the border and getting customs permission, which some people call importation, and registering the vehicle for Swiss plates, which some people call importation. :-)

I believe the grey area is more to do with whether the insurance would be valid etc if you stayed for longer and/or have moved your residence to CH.
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Old 02.03.2016, 17:19
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Re: Taking a UK lease car to Switzerland

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Double check your contract - depending on the type of credit agreement you can terminate (hand car back) when you have paid >50% of the total contract value.
Nothing in there. It basically says "give us a call, and we'll give you a quote"

There is no escape clause I'm afraid.

I can't even buy the car directly, I need to go to a ford dealer who will buy the car and then sell it off to me.
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  #24  
Old 02.03.2016, 17:20
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Re: Taking a UK lease car to Switzerland

I would advise you read your insurance policy in detail.

Example from Admiral

Section 6 - up to 30 consecutive days in any one trip and up to a maximum of 90 in a year. In the event of a claim you'll need to evidence your travel

And most crucially on page 35
14. Residency


You
will only be provided with the cover set out in this policy, if you and any additional
drivers on

your policy, are permanently resident in Great Britain, Northern Ireland, the Isle of
Man, Alderney, Guernsey and Jersey.
If

you intend to leave the country for 30 days or more, and you are not taking your car, you
must contact our Customer Services Department.

When you leave the UK you will be INTENDING to be out of the country for greater than 30 days. It is not going to take too much doing that should you have to make a claim that the insurer will find out you are registered in Switzerland - and from when - and will decide you broke the conditions of the insurance - and therefore will decide your claim is fraudulent.

Meanwhile - you might want to look at Voluntary Termination - https://www.carfinance247.co.uk/q-an...ar-finance.htm

However you will have had to pay over 50% of the contract value - which I doubt you will have done after 6 months
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  #25  
Old 02.03.2016, 17:25
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Re: Taking a UK lease car to Switzerland

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When you leave the UK you will be INTENDING to be out of the country for greater than 30 days.


"If you intend to leave the country for 30 days or more, and you are not taking your car, you..."

Last edited by Landers; 02.03.2016 at 17:25. Reason: wrong colour
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  #26  
Old 02.03.2016, 17:26
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Re: Taking a UK lease car to Switzerland

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In my opinion OP will need to buy the car in order to declare import or to do anything with it in Switzerland.
Car is not in his name. V5 belongs to the leasing company.
I'm in a same situation with less months remaining on the lease.

Leased vehicles
Vehicles financed by a bank (leasing) are treated in the same way as those paid for in cash. The financial institution must consent to the exportation of the vehicle. The financing can impact the registration of the vehicle in Switzerland. Information on this can be obtained from vehicle licensing offices: asa - Association of Vehicle Licensing Offices.
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Old 02.03.2016, 17:27
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Re: Taking a UK lease car to Switzerland

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"If you intend to leave the country for 30 days or more, and you are not taking your car, you..."
I read that bit - the point is that the majority of insurance issues is for UK residents for a UK car. As soon as you become resident elsewhere you are into a grey area - and when it comes to insurance there is only ever one winner in the grey area.
(Page 13)

I know that many many people (not just those on EF) have done exactly what is suggested - drive around on UK plates for extended periods - and had absolutely no problems what so ever - BUT you really don't want to be in that position when something goes wrong.
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  #28  
Old 02.03.2016, 17:32
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Re: Taking a UK lease car to Switzerland

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I read that bit - the point is that the majority of insurance issues is for UK residents for a UK car. As soon as you become resident elsewhere you are into a grey area - and when it comes to insurance there is only ever one winner in the grey area.
I would say it's more to do with when you cease to be UK resident which won't necessarily be the same time as when you become resident elsewhere. I guess the policy might have in it conditions about the insured address and what it constitutes 'residency' to be. If you keep a house in the UK that is. If you've moved out of or sold your home then it's very grey indeed :-)
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Old 02.03.2016, 17:35
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Re: Taking a UK lease car to Switzerland

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I would say it's more to do with when you cease to be UK resident which won't necessarily be the same time as when you become resident elsewhere. I guess the policy might have in it conditions about the insured address and what it constitutes 'residency' to be. If you keep a house in the UK that is. If you've moved out of or sold your home then it's very grey indeed :-)
I suspect an individuals ability to argue it better than a phalanx of lawyers (aided by investigators armed with details of the individuals residence permits, travel dates, work details, forum posts etc etc) from the insurance company is going to be very very small indeed.
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Old 02.03.2016, 17:36
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Re: Taking a UK lease car to Switzerland

I´d say that


if you move your household to Switzerland
if you apply for a permit


any insurance company will certainly claim you are no longer a resident of the UK.


Also you know what they say about Terms and Conditions? Don´t bother to read as it always will be used against you :-)


And I am sure, in case of a claim, the insurance company will do its best to avoid payment in cases like these where a sole residency in the UK not longer can be proved.
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Old 02.03.2016, 17:43
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Re: Taking a UK lease car to Switzerland

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I suspect an individuals ability to argue it better than a phalanx of lawyers (aided by investigators armed with details of the individuals residence permits, travel dates, work details, forum posts etc etc) from the insurance company is going to be very very small indeed.
It seems the OP already asked and was informed of the conditions.
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Old 02.03.2016, 17:45
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Re: Taking a UK lease car to Switzerland

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I suspect an individuals ability to argue it better than a phalanx of lawyers (aided by investigators armed with details of the individuals residence permits, travel dates, work details, forum posts etc etc) from the insurance company is going to be very very small indeed.
Yep, looks like I need to talk frankly with my insurer to see what they DO allow.
Not would, or what I think they would, or... but a firm "yes, we do cover you"
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  #33  
Old 02.03.2016, 17:55
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Re: Taking a UK lease car to Switzerland

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Yep, looks like I need to talk frankly with my insurer to see what they DO allow.
Not would, or what I think they would, or... but a firm "yes, we do cover you"
I suspect if you tell them "I'm moving abroad permanently" then they won't like it, unless they allow you a certain period in which to do that. You usually have to tell them if you change where you normally keep your car, even if it's still within the UK. If you somehow phrase it as "temporarily, possibly permanently depending on how it goes,..." then they might allow it.

What's also a bit confusing is that the 30 or 90 day rules applies to the 'supplementary' insurance like full comp. Basic minimal cover applies always unless I guess if they deem your policy invalid due to changes in circumstances.
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Old 02.03.2016, 21:42
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Re: Taking a UK lease car to Switzerland

When we moved to Switzerland from Denmark we brought our car here. Our Swiss insurance company (Zurich) told us that they actually could help us insure the car in CH even while it was still on Danish license plates - just in case our Danish insurance agency would cancel the insurance before we had a chance to re-register the car here.

However - as others have recommended I would probably also just cut my losses and leave the car in UK. Especially because I would get mad every time I had to enter or exit a parking garage, and my steering wheel was in the wrong side
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Old 02.03.2016, 23:32
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Re: Taking a UK lease car to Switzerland

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When we moved to Switzerland from Denmark we brought our car here. Our Swiss insurance company (Zurich) told us that they actually could help us insure the car in CH even while it was still on Danish license plates - just in case our Danish insurance agency would cancel the insurance before we had a chance to re-register the car here.

However - as others have recommended I would probably also just cut my losses and leave the car in UK. Especially because I would get mad every time I had to enter or exit a parking garage, and my steering wheel was in the wrong side
Totally agree- apart form last part. You get used to it very quickly- the only pain is getting tickets from booths at car-parks, etc.
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Old 03.03.2016, 11:57
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Re: Taking a UK lease car to Switzerland

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I suspect if you tell them "I'm moving abroad permanently" then they won't like it, unless they allow you a certain period in which to do that. You usually have to tell them if you change where you normally keep your car, even if it's still within the UK. If you somehow phrase it as "temporarily, possibly permanently depending on how it goes,..." then they might allow it.

What's also a bit confusing is that the 30 or 90 day rules applies to the 'supplementary' insurance like full comp. Basic minimal cover applies always unless I guess if they deem your policy invalid due to changes in circumstances.
Seems to me you love trying to split hairs here. You really would advocate the op fudging wording to try and get the cover, which would be the deemed invalid if a claim is made due to his failure to fully disclose the fact that he is no longer UK resident... nice going.

The problem with the folks who advocate stuff like that, is if it goes per-shaped there is sod all the poor bloke who took the 'wing it as no ones ever gets caught it approach' can do.

The Op's circumstances have changed, leaving him a pay and keep it or hand it back option, both have a sting but are legal.... I like legal, so do the Swiss authorities. A RHD car here is a bit of a PITA, and I wouldn't bring it but hand it back, and if you need one buy one here.
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  #37  
Old 03.03.2016, 12:09
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Re: Taking a UK lease car to Switzerland

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Seems to me you love trying to split hairs here. You really would advocate the op fudging wording to try and get the cover, which would be the deemed invalid if a claim is made due to his failure to fully disclose the fact that he is no longer UK resident... nice going.

The problem with the folks who advocate stuff like that, is if it goes per-shaped there is sod all the poor bloke who took the 'wing it as no ones ever gets caught it approach' can do.

The Op's circumstances have changed, leaving him a pay and keep it or hand it back option, both have a sting but are legal.... I like legal, so do the Swiss authorities.
I don't believe I'm advocating anything, or is that splitting hairs? I remember reading in one "Moving abroad" section of an insurers website that they allow insurance up to the duration of the "foreign use" cover (30-90 days) if you move away so as we've already established, it depends on the particular circumstances and the terms of the insurer. Ability to properly explain the circumstances may well be important.
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Old 21.01.2020, 21:56
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Re: Taking a UK lease car to Switzerland

Reviving this thread as I am in a similar situation.
Do I understand correctly that a car that is leased in the UK can be used in CH for 1 year legally?

I will ask for permission from the dealer who leased it to me of course and make sure the car is insured and check that with my insurer.

Anything else that I need to be aware of?

This would be temporary for 1 year only as my lease runs out in about 18 months anyway and I am only moving to Zurich in the summer.
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Old 22.01.2020, 11:06
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Re: Taking a UK lease car to Switzerland

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Reviving this thread as I am in a similar situation.
Do I understand correctly that a car that is leased in the UK can be used in CH for 1 year legally?

I will ask for permission from the dealer who leased it to me of course and make sure the car is insured and check that with my insurer.

Anything else that I need to be aware of?

This would be temporary for 1 year only as my lease runs out in about 18 months anyway and I am only moving to Zurich in the summer.
Not sure on the lease situation, but I drove my personal car here for a year with Stuart Collins insurance. It’s one of the only brokers I found that would offer an annual green card. It’s via Axa insurande. Took it to the local police/car office here and got the ok so it’s perfectly legal. It cost around £50 more than normal cover but for the anual card and to stay legal then it’s pretty cheap.

https://www.stuartcollins.com/
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Old 23.01.2020, 11:12
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Re: Taking a UK lease car to Switzerland

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Not sure on the lease situation, but I drove my personal car here for a year with Stuart Collins insurance. It’s one of the only brokers I found that would offer an annual green card. It’s via Axa insurande. Took it to the local police/car office here and got the ok so it’s perfectly legal. It cost around £50 more than normal cover but for the anual card and to stay legal then it’s pretty cheap.

https://www.stuartcollins.com/
Great, thanks. I will look them up!
I've talked to the my leasing company and although I thought that I've paid 50% already so I could come out of the agreement, the way they calculate it seems very strange, meaning I could only save around 2k from the total of 8k left over the next 2 years - by getting our early at the moment. I am booking a meeting f2f with them to weigh in my options.
Ideally, I would like to use the car and insure it. Let's see how it goes ...
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