A Geneva-based Website Educates Expats On Swiss Car Insurance

Charles McHugo, the Expat-Experts.ch insurance specialist, recently published a complete guide to car insurance in Switzerland in English. End Quote

(1888PressRelease) November 01, 2019 - The guide is fabulous as it not only explains the basics; it also presents a useful list of things most of us don’t know about Swiss car insurance. You can even calculate your yearly Swiss car insurance premium in one click on this interactive guide to car insurance in Switzerland.

Let’s have a look at what the guide says about Swiss car insurance basics.

Motor vehicle insurance in Switzerland protects all motorized vehicles that circulate on the public road or water system in Switzerland and the European green card zone. Motor vehicles include cars, trucks, professional and camping cars, scooters, motorbikes, and boats.All vehicles must be insured to circulate. The Canton manages the registration process in Switzerland in close collaboration with the insurance providers.

Every Canton of Switzerland has one or more motor vehicle administrative centers that manage the registration process and all of the motor vehicle-related formalities. In Geneva, the center is in Carouge and called the Office cantonal des véhicules (OCV). Insurance companies are linked to the automobile service centers via a centralized computer system, which enables them to transfer an electronic cover note to confirm that each vehicle is insured. It is not possible to register a car without this cover note, which means it is not possible to drive in Switzerland without subscribing to a Swiss car insurance policy.

There are three different modules of Swiss car insurance, which are road-user liability insurance, partial-casco, and full-casco. The road-user liability insurance module is obligatory, and it protects other road-users from any damage you do to them or their vehicle. However, if you only have this required module and are found to be responsible for the damage done to your car, you will not receive any compensation.
The only way to cover your car for all damage done to its body or paintwork is to subscribe to the optional full-casco module. It is very risky not to subscribe to the full-casco module for a recent car because without this coverage; you will not receive a single cent to replace your car if you write it off or need to repair it after an accident.

The optional partial-casco module covers all the remaining risks, which include theft, fire, vandalism, natural events, short circuits, glass, and windscreen damage.

The below is an exciting list of things most of us don’t know about Swiss car insurance

1) Did you know that you do not insure your car for the amount you purchased it for, even if it is ten years old and you paid CHF 500.- for it? All vehicles must be insured for the catalog price plus the cost of the options when the car was new.
2) Did you know that underinsurance applies to car insurance? If you undervalue your vehicle by not counting the full cost of the options, you can be penalized in the event of a claim.
3) Did you know that if you do not subscribe to the bonus protection extended car insurance module, you will suffer an increase in your insurance premium of 20%?
4) Did you know that the car insurance observation period is never based on the calendar year?
5) Did you know that there are insurance providers that do not link the number of KM you drive to the cost of your insurance premium? Opt for a provider who offers unlimited KM.
6) Did you know that there are insurance providers that do not increase your premium if you park your car outside? Opt for a provider who does not oblige you to park in a garage to get a cheaper premium.
7) Did you know that there are insurance providers that only refund you 100% of the value of your car if you write it off in its first 12 months of use? Opt for a provider who will refund you the full amount of the vehicle for 24 months.

The guide is so complete you can even calculate your yearly Swiss car insurance premium in one click.

We recommend clicking directly on the “Compare all Quotes” button on expat-experts.ch to estimate how much it will cost to insure your car in Switzerland. You will get an estimate for minimal, partial, and complete coverage in just one click.

All of the above points make it clear that all car insurance providers are not equal. We, therefore, highly recommend consulting Charles, the Expat-Experts.ch insurance specialist. The other option is to ask the Expat Experts Guide to car insurance in Switzerland to help you to choose the best insurance provider and modules for your car.

For further information and immediate assistance, contact

Expat-Experts

Tel: +41786014090
Email: contact (@) expat-experts dot ch
Website: www.expat-experts.ch

###

space

Other Related Press Releases