Monthly Archives: September 2018

Car insurance in Switzerland for foreigners very expensive

Around 2.5 million foreigners live in Switzerland. That’s a respectable share of almost 25 percent in this small Alpine republic. Many of these foreigners not only live in Switzerland, but also work there, mostly on behalf of foreign companies, for which they have already worked in their home country. Of course, there are also emigrants who have turned their backs on Germany or another country in the world and also own a car here. Accordingly, they also need a car insurance Switzerland . Because the liability is mandatory at least in Switzerland as well as in Germany. Unfortunately, foreigners are treated like second-class people when it comes to car insurance premiums. Because the insurance premium is very high for foreigners!

Photo: Benjamin Klack / 


Actuarial Science or Racism? 

Meanwhile, many foreigners are wondering if it really is nationalism that drives the insurance companies to name such high premiums for foreigners or even racism. The fact that Switzerland is not completely free from this is also expressed again and again. For example, a party in a cantonal parliament demanded that crime statistics should be split up according to nationality or whether non-Swiss or Swiss would commit the crime. However, this met with rejection. However, open racism, as in Germany, is rarely practiced in Switzerland. Rather, the unequal treatment of foreigners already happens at the state level. If the insurance, it seems, are directed from there. Officially, however, one hides behind the actuarial science.

Referendum showed true face of the Swiss

Referendum showed true face of the Swiss

Popular referenda are common in Switzerland. But no one attracted so much attention as the 2015, but now it must be decided that there will be an upper limit for the immigration of EU citizens. Inevitably, this could sooner or later hit companies relying on their own foreign-based employees and not Swiss professionals. Switzerland has the problem that there is a real shortage of skilled labor in the country. Would not that ultimately hurt Switzerland’s economy? It will be seen … Yet not the last word has fallen on the government. But as in the UK at Brexit, the will of the people must be implemented.

The motor insurance of the old Leipziger in the test / experiences

The former direct insurance of Gothaer Versicherungsbank can not only stand up to the competition in the subject-related test reports, the customer’s experience is also largely positive. For example, ASSTEL’s motor insurance can also prevail in the analysis of serviceValue and Focus Money and achieve the fairness seal. Also in the investigations of the Stiftung Warentest there are top results. With a good test result, the Cologne insurer can also convince in the DISQ study.

The fact that a change in motor insurance is not only cost-saving, the tests show.

The Stiftung Warentest examines family rates

At the Stiftung Warentest, the experts are not just dedicated to conventional insurance, but also the variants for the entire family are being tested. One of the test winners in this important category is also the Cologne car insurance, which has beaten only the AdmiralDirekt. The best 5 in the rate test are:

  • Rank 01: AdmiralDirekt
  • Rank 02: Asstel
  • Rank 03: Direct Line
  • Rank 04: Hannoversche
  • Rank 05: WGV

The family rate can be chosen among the best insurances. All the damages that are connected with the family car are covered by the car insurance.


Interesting providers of motor insurance

Classic liability insurance up to fully comprehensive insurance

Gothaer Versicherung and ASSTEL Direktversicherung have meanwhile been merged and offer sufficient insurance benefits, which also include a replacement value of up to 24 months after admission. There is also an anti-theft device, which provides the replacement value in the first twelve months. The purchase of a used car is sufficiently secured. On-board electronics and other accessories are also included in the comprehensive motor insurance. The motor insurance of the former ASSTEL Autoversicherung provides cover of up to € 10,000. To determine the price of a car insurance, simply use the tariff calculator.

DISQ reports on experiences and tests the best car insurance

In another test report, the customers themselves are interviewed in order to be able to establish a ranking. Test winner will be the renowned Hannoversche Versicherung, which can achieve a very good overall rating. The ranking looks like this:

  1. 1st place: Hannoversche 86,1
  2. 2nd place: CosmosDirekt 85.7
  3. Place 03: Allsecur 85.3
  4. 4th place: HUK24 80.5
  5. Place 05: DA Direkt 78.4
  6. Place 06: Sparkassen Direktversicherung 77,7
  7. Place 07: Ergo Direct 77.6
  8. Place 08: HDI 76.8
  9. Place 09: Direct Line 75.0
  10. 10th place: Europe 74.8
  11. 11th place: Asstel 74.8
  12. 12th place: Other direct insurers

At least 100 customer reviews were required in the investigation in order to obtain a placement. Tested on behalf of the sender for news and news NTV. Find out more about Europe car insurance if you like.

Other benefits in comfort protection

In the midst of car liability is a high coverage in case of damage. Among other things, the loss of the mobile navigation devices, the collision with animals, including the consequential damage, which should come about due to animal bites. In addition, roof avalanches , mudslides and avalanches are covered. Vehicle replacement keys and locks are reimbursed after burglary or robbery. In addition to Gothaer / Asstel insurance, other insurance companies such as HUK Versicherungen are also able to assert themselves in the test reports. You can also see the current test winner rates here.



Driving and insuring cars in Switzerland

Switzerland has around 8.08 million inhabitants. Statistically more than half of them own a car. In Switzerland, around 4.4 million cars are registered – with a total of around 5.9 million trucks and other vehicles. It can be said that the engine in Switzerland is very strong, but not as strong as seen in relation to Germany. Switzerland also has fewer problems with traffic jams. Building sites on highways trying to reduce within a short time again. Car insurance must also be completed in Switzerland. The liability is obligatory as in Germany also in Switzerland. The collision or partial comprehensive insurance is a voluntary additional insurance.

Photo: Joujou / 


Swiss prefer to take the train!

Not only that not every household owns a car, in Switzerland one drives anyway rather with public means of transport, in particular with the course. Although Switzerland is small, public transport networks are very well developed. In cities like Bern or Zurich, Basel or Geneva you do not really need your own car. The valleys are also well served by public transport. The connections take a bit, but in Switzerland, for example, the postbuses take precedence in curves on the mountain passes. In general, the Swiss were skeptical of the automobile for a long time. It was not until 1927 that the Engadin could be opened up with a pass road, because the local inhabitants wanted to tolerate automobiles in the region only after a 10-time referendum!

Important economic factor besides tourism

The Swiss mentality is simply knitted. In many places there is also a ban on cars. But that also has something to do with tourism. Because it is not easy to protect thousands of tourists from the many hundreds of cars. The cars must then be parked by the tourists in front of the place. For this purpose, a shuttle bus is offered. Despite this partial ban on cars in some places, it is still the case that the automotive industry in Switzerland is a major economic factor alongside tourism. The approximately 220,000 employees of dealers, petrol stations and workshops generate around 13 percent of the gross domestic product in Switzerland.

Car industry in Great Britain before collapse?

In Great Britain, costs have risen sharply following the Brexit vote. Also the vehicle insurance has tightened. This is not a good sign for the car industry of the island nation near the European mainland. Because the exit negotiations for the EU must be completed in 2019. But they really did not get started. So far, the British have shown little understanding of the demands of the EU Commission in Brussels. Everyone agrees that it will hit the automotive industry hard. For this has not been one of the highlights of the British economy in recent years. The focus here was primarily on the luxury segment, which consumers in Great Britain can soon come up with expensive. Because they will soon have to pay high tariffs for cars from mainland Europe. After all, the British government wants to do that in return.

 Downstream industry without future?

The automotive industry in the UK is not one of the highlights of the economy – not for decades. However, you have invested a lot and recovered significantly. The fact that the automotive industry could become the industrial backbone of the United Kingdom, there is great doubt in the experts. And yet: Great Britain returns to third place after a number of years with France for third place of the European vehicle manufacturing locations – measured by the number of units produced. Germany takes first place here and Spain second. Every year around 1.8 million vehicles are produced in the United Kingdom. However, these numbers can quickly break again, because the Brexit makes the car boom to the expert opinion negated.

Burglary up to 50 percent

In particular, if the UK continues to massively oppose EU demands for exit agreements, automakers may need to significantly reduce their production numbers. If it comes to punitive duties, etc., then experts fear even a slump by 50 percent of the previous volume. That would be very tough for the British economy, of course. And you would surely condemn Theresa May as much as a Margret Thatscher, who was considered an “Iron Lady”, but was hated in the 1980s, especially in the workforce. And the longer the exit negotiations last, the greater the uncertainties on all sides.