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  #21  
Old 03.09.2020, 21:55
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Re: Car registration for another person

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My understanding is that it's completely possible for you to own the car, and for someone else to have the registration and insurance. If I have it wrong please correct me. I think company cars work this way for some people.

As for a friend asking me to be liable for everything whilst he drives it, I wouldn't be putting my hand up very quickly. The only reason I can think for doing so is to save a few franks on the insurance.
What I don't fully understand is the difference between owning and registering when it comes to paperwork. As I understood, you register the car with the Stassenverkehrsamt...But you don't register the ownership, correct?

We are buying a car and I (EU) have higher fleet discounts than my OH (CH). So ideally I would be the owner and she would be the insurance taker to have lower premiums...Which would mean that she would need to register the car, correct?
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  #22  
Old 04.09.2020, 00:41
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Re: Car registration for another person

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As I understood, you register the car with the Stassenverkehrsamt...But you don't register the ownership, correct?
Correct. You register the holder which ha a bunch of obligations such as paying road tax and making sure that the vehicle is only used in good working order.

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We are buying a car and I (EU) have higher fleet discounts than my OH (CH). So ideally I would be the owner and she would be the insurance taker to have lower premiums...Which would mean that she would need to register the car, correct?
Correct. Best to have a contract that the car remains your property. Just helps to sort out things if they go down the drain. Also read insurance's fine print, sometimes they want to know who the most frequent driver is.
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  #23  
Old 04.09.2020, 09:56
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Re: Car registration for another person

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Correct. You register the holder which ha a bunch of obligations such as paying road tax and making sure that the vehicle is only used in good working order.


Correct. Best to have a contract that the car remains your property. Just helps to sort out things if they go down the drain. Also read insurance's fine print, sometimes they want to know who the most frequent driver is.
Thanks for your swift reply. I spoke to the dealer and they are not easy...Since I have the discount, apparently the car needs to be registered under my name, as I cannot sell it in one year (otherwise I would lose the discount).

A workaround would be having the car and the insurance registered under my name for the first year...and then register it under my wife from the second year onwards. Is that possible? If we would have such a contract in place, the car would not be sold, so I assume it would not trigger any gift tax...

Thanks again guys
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Old 04.09.2020, 10:26
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Re: Car registration for another person

I assume the car is leased? Then this might make the transfer of ownership difficult.
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Old 04.09.2020, 12:01
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Re: Car registration for another person

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I assume the car is leased? Then this might make the transfer of ownership difficult.
Actually it is not. There are some restrictions to sell the car (6 months or 5'000 km), since the company discount is substantial, but other than that I don't see any in the contract.

I assume the change of ownership would lead to some administrative fees, but as long as they are reasonable (a few hundred francs) it would pay back rather soon.

Thanks again
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Old 04.09.2020, 13:03
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Re: Car registration for another person

any restriction will be on the bottom left side of the grey card for the vehicle.

Fundamentally, it's paperwork and insurance.
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