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Old 22.03.2021, 13:30
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Summer-Only Car

Hi, can someone talk me through the tax and insurance practicalities of having a car I only use for the summer?

Obviously I would insure and tax it as normal during the summer. In the winter I would plan to hand the plates back to be kept for me until the next year. Is there an admin charge for that? Am I right in thinking I'd get the rest of that year's car tax refunded to me on a pro rata basis, or is it more complicated than that?

For insurance is it normal they'd also refund me the 'unused' insurance for the rest of the term once I hand the plates back? The thing is even though the car would be kept off the road in a garage over winter, I'd still want insurance against theft. Is it typical to be able to get a (hopefully cheaper) theft-only policy for a car that's not on the road?

Thanks!
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Old 22.03.2021, 14:04
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Re: Summer-Only Car

Not a direct answer, but considering all the fixed costs and efforts, you may be better out by renting a car 2/3 weeks at a time from one of the major car-rentals, especially if you live close to an airport/big city (big in he swiss sense!).

You would pay around 900/1100 francs per month, with no other expenses that you would not have by having your summer-only car (or even less running costs, since tires/wcleaning stuff/ad-blue would be taken care of by the rental agency).
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Old 22.03.2021, 14:21
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Re: Summer-Only Car

https://www.mobility.ch/en/private-customers
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Old 22.03.2021, 14:27
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Re: Summer-Only Car

Have a look here for more info (in German): https://www.comparis.ch/autoversiche...der-sistierung
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Old 22.03.2021, 14:32
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Re: Summer-Only Car

for the theft insurance question, why don't you just ask the insurer? they are usually quite happy to answer questions, and at least on Axa I had all the conversation in English if german/french is not your language.

Otherwise, the best summer car is motorbike especially in Switzerland with terrible summer road congestions on the way to/from any nice summer spot.
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Old 22.03.2021, 14:33
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Re: Summer-Only Car

The insurance is pro-rated (like the plates) BUT generally they keep the remainder on account rather than refund it right away.

Tom
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Old 22.03.2021, 14:35
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Re: Summer-Only Car

Will this be a 2nd car? If so will both cars be driven at the same time?
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Old 22.03.2021, 14:48
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Re: Summer-Only Car

Taking the question at face value:
- 3rd party insurance is needed on the vehicle for the whole year
- if you lease, fully-comp insurance is needed on the can for the whole year
- you can hand the plates back and pay just the 3rd party insurance (and save some tax for the time you don't have the plates)
- you still need to pay for parking and will not be able to use certain types of spaces

There will be some admin charges for the work that STVA and insurance needs to do.

Cars also need driving, you may well find that certain seals and components wear due to the lack of use.

You also can't casually use your summer car on days in February where it's extremely mild, dry and sunny.
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Old 22.03.2021, 14:54
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Re: Summer-Only Car

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- 3rd party insurance is needed on the vehicle for the whole year
Only if it's on the road the whole year, not if you hand in the plates.

Tom
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Old 22.03.2021, 15:47
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Re: Summer-Only Car

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The insurance is pro-rated (like the plates) BUT generally they keep the remainder on account rather than refund it right away.

Tom
This - but there is always the option for a deposit to your account.

Admin charges depend on insurance company and canton. Zurich canton charge you 50 CHF if you take your plates back within the same year I think (as an example). If you have a cheap enough car from tax/insurance and cheap parking it might be worth it to keep it on plates full-year.
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Old 22.03.2021, 15:50
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Re: Summer-Only Car

Don't know exactly why I pictured a Morgan when I read a Summer-Only car.

OP: ask any insurance sales people. They are one of the few you can ask an offer without incurring in a fee
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Old 22.03.2021, 15:56
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Re: Summer-Only Car

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Don't know exactly why I pictured a Morgan when I read a Summer-Only car.

OP: ask any insurance sales people. They are one of the few you can ask an offer without incurring in a fee
I thought Caterham, although I've seen one out in the winter.
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Old 22.03.2021, 16:20
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Re: Summer-Only Car

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I thought Caterham, although I've seen one out in the winter.
Or a Weismann cabrio, I saw one last week and that's one sign Spring is coming. Those garage queens are not driven in salty roads
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Old 22.03.2021, 16:26
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Re: Summer-Only Car

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Or a Weismann cabrio, I saw one last week and that's one sign Spring is coming. Those garage queens are not driven in salty roads
That looks like a german said "I like ze TVR autos, I vil kopi it"
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Old 22.03.2021, 16:33
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Re: Summer-Only Car

Thanks for all the replies. Sounds like the plates are straightforward but I'll need to phone around some insurance companies to see how each one deals with this scenario.

It's a Lotus Elise, so Morgan and Caterham were pretty good guesses, and not something I can get from Mobility unfortunately. I could in theory put winters on it and run it all year, but I think I'd rather keep it out of the ice and salt and give myself something to look forward to each spring.
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Old 22.03.2021, 16:39
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Re: Summer-Only Car

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That looks like a german said "I like ze TVR autos, I vil kopi it"
Far more Morgan than TVR, even down to the source of engines (BMW).
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Old 22.03.2021, 16:49
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Re: Summer-Only Car

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Far more Morgan than TVR, even down to the source of engines (BMW).
I think we'll have to agree to disagree. I associate Morgan 4 wheelers with the sweeping 1920's running boards and copious amounts of ash.
The TVRs of the 60s to the 90's look very much like precursors to the Weismanns, with the exception of the pointy wedge models.

OP, are you looking at the newer toyota engined models or the older models?
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Old 22.03.2021, 16:57
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Re: Summer-Only Car

As another poster said, think about renting. This is what I do and I've never looked back. I rent exclusively through Hertz and here's what to look out for.

1. Apply for Gold Plus membership
2. Then get a "Tieftax-carte" which gives 30% off the rental.
3. Get a policy either through your home insurance or a card such as AMEX that give CDW cover. This will give you a considerable saving over having to pay for it with each rental.

As you start to rent you will move up through the tiers so you will enjoy a free second driver, 4 hour grace period on returning the car and a guaranteed upgrade. Because I rent through the same agency, I sometimes (often) get a super upgrade in the type of car.

You also receive points, which you can use for free weekend rentals etc. when on holiday.

Another advantage is you can rent in Geneva and then drop off in Zurich if you're flying out from there at no extra charge.

No worries about tax, insurance, servicing etc. They will give you another car if it's off the road.

Disadvanatges: There have to be some!! To get the 30% discount you can only rent for 25 days - then you have to renew the rental. However, I just call them, give the mileage and keep the same car. Unless I want to change it that is.

They charge I think CHF 40 for each traffic infringement - on top of the fine.

I'm sure other rental agencies have good deals, but that's my experience with Hertz which I've found to be far superior to that offered by Sixt and Avis.
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Old 22.03.2021, 17:04
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Re: Summer-Only Car

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As another poster said, think about renting. This is what I do and I've never looked back. I rent exclusively through Hertz and here's what to look out for.

1. Apply for Gold Plus membership
2. Then get a "Tieftax-carte" which gives 30% off the rental.
3. Get a policy either through your home insurance or a card such as AMEX that give CDW cover. This will give you a considerable saving over having to pay for it with each rental.

As you start to rent you will move up through the tiers so you will enjoy a free second driver, 4 hour grace period on returning the car and a guaranteed upgrade. Because I rent through the same agency, I sometimes (often) get a super upgrade in the type of car.

You also receive points, which you can use for free weekend rentals etc. when on holiday.

Another advantage is you can rent in Geneva and then drop off in Zurich if you're flying out from there at no extra charge.

No worries about tax, insurance, servicing etc. They will give you another car if it's off the road.

Disadvanatges: There have to be some!! To get the 30% discount you can only rent for 25 days - then you have to renew the rental. However, I just call them, give the mileage and keep the same car. Unless I want to change it that is.

They charge I think CHF 40 for each traffic infringement - on top of the fine.

I'm sure other rental agencies have good deals, but that's my experience with Hertz which I've found to be far superior to that offered by Sixt and Avis.
Do Hertz rent Lotus Elises?
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Old 22.03.2021, 17:11
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Re: Summer-Only Car

Here's your friendly lotus lender, right where you need it with access to some of the nice passes.

https://kumschick.ch/vermietung/uebersicht/
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