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Old 25.02.2018, 17:00
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Three vehicles on two number plates.

It's considered quite normal here to have two or more vehicles on a single set of plates, making considerable savings on insurance on the basis that you'll only be able to use one at a time, but I'm not sure if there's any solution that allows you to run three vehicles on two sets of plates, using any two out of the three at any given time.

We currently have two cars but I'm about to buy a landrover, which will be my day to day transport up here in the mountains, especially in the winter. Normally my wife would use 'her' car so of course I could swap plates between the landie and my current car. Trouble is, mine's fitted with all the winter features like secondary heating (that you can program or just start from a remote control to warm the car without running the engine) heated windscreen and washer jets etc. so it would obviously be much better for her weekly commute to Basel when it's very cold, like it's forecast for the next couple of weeks.

So is there any way we can manage this so that we could use any two of the three as best suits the conditions? The two we have are currently insured with seperate companies, but mine is due fir renewal in April so I could easily change it if necessary to be on a single policy with my wife's and the landrover of if could be done.

Anyone have any experience of doing this, or at least trying to? Or am I going to have to have a third policy for the new (old) vehicle?
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Old 25.02.2018, 17:30
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Re: Three vehicles on two number plates.

Talk to your insurance company.
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Old 25.02.2018, 17:58
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Re: Three vehicles on two number plates.

Now paging Tom 5678, who probably runs 25 vehicles/bikes on some combination of 2-3 plates...
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Old 25.02.2018, 18:07
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Re: Three vehicles on two number plates.

You can't have a "jumper" car, in the sense of a car that could be driven under two different numbers.

So with 2 plates and cars A, B, and C, you can drive either A and B, or A and C, but not B and C.

Road/registration tax you pay on the more powerful vehicle registered to a plate.

Insurance gives you a break (not sure how much for non oldtimers).

And the fine for when you forget to put the plates on when you drive off is something like 400 CHF (been a while since I got dinged for that, so it may have gone up).
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Old 25.02.2018, 18:10
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Re: Three vehicles on two number plates.

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You can't have a "jumper" car, in the sense of a car that could be driven under two different numbers.

So with 2 plates and cars A, B, and C, you can drive either A and B, or A and C, but not B and C.
That's what I was thinking. Is this down to the insurance or the registration requirements? By which I mean is it worthwhile talking to the insurer or will they just say it's not up to them?
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Old 25.02.2018, 18:17
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Re: Three vehicles on two number plates.

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That's what I was thinking. Is this down to the insurance or the registration requirements? By which I mean is it worthwhile talking to the insurer or will they just say it's not up to them?
No that is the motor vehicle registration that sets that limitation.
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Old 25.02.2018, 18:52
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Re: Three vehicles on two number plates.

You choose which 2 cars go on one plate and pay tax and insurance on the more expensive one. For the 3rd car you need a separate plate. You can decide how to register them
but there are no exceptions as its laid down by the state.

Whatever you choose it's still better than paying tax etc on 3 cars. I only know of this practice in Swtzerland so we can't really complain.
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Old 25.02.2018, 19:00
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Re: Three vehicles on two number plates.

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It's considered quite normal here to have two or more vehicles on a single set of plates.
Two, unless old-timers, in which case it's seven.

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I'm not sure if there's any solution that allows you to run three vehicles on two sets of plates, using any two out of the three at any given time.
No.

Tom
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Old 25.02.2018, 19:01
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Re: Three vehicles on two number plates.

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I only know of this practice in Swtzerland so we can't really complain.
Austria allows three on one plate.

Tom
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Old 25.02.2018, 21:45
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Re: Three vehicles on two number plates.

Are you saying that your wife's current car won't be in use during the winter once you have your Rover? In that case you could simply suspend its registration/insurance for that time.
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Old 26.02.2018, 01:25
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Re: Three vehicles on two number plates.

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Are you saying that your wife's current car won't be in use during the winter once you have your Rover? In that case you could simply suspend its registration/insurance for that time.
No, that's not the plan. She'd normally prefer to use it, but in cold conditions she'd want to be able to take mine. I guess that maybe once I've got the Landrover (NOT a Rover, by the way) perhaps we could put the existing two on one set of plates/insurance, but that's going to be complicated, with existing insurances with different providers and renewal dates.

Looks like I'll just have to take the hit and have separate plates and insurance for all three.
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Old 26.02.2018, 07:33
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Re: Three vehicles on two number plates.

It's not complicated, I've done it several times. I've also swapped which cars were on which plates.

Deregister the one you want to put on the plate with the other, and inform the insurance of the other one that you want to add the second car.

The other insurance will be disactivated when you de-register the car.

Tom
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Old 26.02.2018, 08:04
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Re: Three vehicles on two number plates.

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that's going to be complicated, with existing insurances with different providers and renewal dates.
Sell the car(s) among the two of you, change of ownership (even between husband and wife) is one possible reason to cancel early.
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Old 26.02.2018, 08:41
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Re: Three vehicles on two number plates.

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Sell the car(s) among the two of you, change of ownership (even between husband and wife) is one possible reason to cancel early.
We did that as well once.

Tom
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Old 26.02.2018, 08:41
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Re: Three vehicles on two number plates.

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Insurance gives you a break (not sure how much for non oldtimers).
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You choose which 2 cars go on one plate and pay tax and insurance on the more expensive one.

There are 3 parts in the insurance:
-3rd party
-teilkasko
-volkasko

The last 2 are getting charged on the car with the highest premia, the 3rd party liability insurance is less than the sum of the premia for the 2 cars, but higher than the premium for the most expensive one.

I got an offer to put both my cars in one plate, and even the sales guy didn't realize that the 3rd party liability premium goes up for 2 cars.

I don't know if it's Generali only, but that's the offer I got from them.


Also, if the cars are insured with different companies, when you go to 2-1 plates you don't need to wait for the full notice period. I was told that you can take the second car in immediately.

I didn't do it after all, so I don't know these in practice
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