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Old 20.09.2019, 15:23
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Borrowing car for a few months

My father (Aargau) has a car that he doesn't need or use at all. He proposed to lend it to me (Valais) at least for a few months (min 6 I guess) while I learn the ropes here.


Is there a problem with driving a car from another canton for longish periods of time? Everything (property, insurance, etc) would stay in his name.



We're both EU nationals, I have a L permit, he has a C one.


Thanks for any input!
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  #2  
Old 20.09.2019, 16:22
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Re: Borrowing car for a few months

No problem.

My daughter had her car registered in her sister's name (who was living in the US at the time) in another canton for a year or more.

Tom
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Old 20.09.2019, 17:01
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Re: Borrowing car for a few months

You probably want to make sure you're covered by the 3rd party liability insurance. Mobiliar Insurance for instance doesn't cover drivers other than the holder unless they use the car occasionally; they define "occasionally" as not more than 35 days in a calendar year (one may have the option of adding named persons specifically for a fee, not sure). You want to keep the insurance in your father's name if possible because he's virtually guaranteed to pay less in premiums than you (finding out what you'd have to pay won't hurt though).

Also clarify whether you're covered when driving abroad even if you don't plan to at the moment. And if you do, you want to have written consent of your father on you confirming that you're allowed to take it out of the country. Otherwise the customs may see it as exporting the car, and that can be very expensive.

And it's recommended to agree on what happens, as in who pays for what, if you cause an accident. 3rd party damages, damage to the car, insurance premium increase, etc.
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Old 20.09.2019, 17:29
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Re: Borrowing car for a few months

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You probably want to make sure you're covered by the 3rd party liability insurance.

[...]

And it's recommended to agree on what happens, as in who pays for what, if you cause an accident. 3rd party damages, damage to the car, insurance premium increase, etc.
A cars mandatory liability insurance always covers any rightful driver.

A personal voluntary liability insurance most often does not cover car related events. It might have a clause where occasion use of the private lend car is covered. This does not cover 3rd party damages caused by the car (as those are covered by the cars mandatory liability insurance) but damages to the car itself or premium increases due to an accident.

Last edited by aSwissInTheUS; 20.09.2019 at 17:57.
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Old 20.09.2019, 17:37
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Re: Borrowing car for a few months

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you want to have written consent of your father on you confirming that you're allowed to take it out of the country. Otherwise the customs may see it as exporting the car, and that can be very expensive.
He is resident in CH, and the car is registered in CH, thus they won't.

Tom
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Old 20.09.2019, 17:44
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Re: Borrowing car for a few months

You're both right, my bad. Guess it's time to call it a day.

Just to clarify, and surprisingly to me, with Mobiliar the damage caused by an occasional driver to a 3rd car is covered by the private 3rd party liability insurance if there's no Vollkasko.
"Bei der Mobiliar sind solche Schäden [am Gut Dritter] als 'Gelegentlicher Lenker fremder Fahrzeuge' in der Grunddeckung der Privathaftpflichtversicherung enthalten."
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Old 20.09.2019, 18:31
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Re: Borrowing car for a few months

Fantastic, thanks for the replies!


The guy who takes care of my insurance proposed to add an occasional driver clause to my assurance RC, would you say it's worth it? If I understand well from your comments, it means it would cover for damage that I cause to my father's car, right? I mean, the damage caused by me to other cars, as well as the damage caused by other cars' to my father's, is covered by the cars' mandatory insurance, correct?
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Old 20.09.2019, 18:55
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Re: Borrowing car for a few months

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The guy who takes care of my insurance proposed to add an occasional driver clause to my assurance RC, would you say it's worth it? If I understand well from your comments, it means it would cover for damage that I cause to my father's car, right?
Correct. But occasional driver is a driver which drives occasionally. Using the car for six months might not be covered. Read and understand the clause and its coverage. For example with Mobiliar only 35 days/year are covered. With Vaudoise only 14 days! Rental cars are normally excluded. Means your father has to truly lend the car.
https://www.esurance.ch/versicherung...rversicherung/

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I mean, the damage caused by me to other cars, as well as the damage caused by other cars' to my father's, is covered by the cars' mandatory insurance, correct?
Correct. In so far as the other car/driver must be at fault.

It might be better if you register and insure it on your name. This way the responsibility is clear. Registration has nothing to do with ownership of the car, the father can remain the full legal owner of the car.
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Old 20.09.2019, 19:06
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Re: Borrowing car for a few months

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Correct. But occasional driver is a driver which drives occasionally. Using the car for six months might not be covered. Read and understand the clause and its coverage. For example with Mobiliar only 35 days/year are covered. With Vaudoise only 14 days! Rental cars are normally excluded. Means your father has to truly lend the car.
https://www.esurance.ch/versicherung...rversicherung/


Correct. In so far as the other car/driver must be at fault.

It might be better if you register and insure it on your name. This way the responsibility is clear. Registration has nothing to do with ownership of the car, the father can remain the full legal owner of the car.
What about households with multiple vehicles that are used equally by various members of the household?

Tom
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Old 23.09.2019, 03:02
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Re: Borrowing car for a few months

When I went abroad for a couple of months I just told my insurance agent that my girlfriend will be driving the car (also Swiss resident) and that she should be added to the insurance policy. That's all what's really needed. The insurance fee might increase. Otherwise the insurance might issue a fine to the father (they will of course only find out if something happens).
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Old 23.09.2019, 09:47
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Re: Borrowing car for a few months

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What about households with multiple vehicles that are used equally by various members of the household?
Vehicles from household member are normally not covered by the occasional driver clause.

If you wreck your flat mate's Ferrari w/o full casco you better have the dough or a good relationship.
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