2 or more cars - 1 license plate - same insurance

Finance, Taxes, Banking, Insurance and Retirement
1
Hey guys !

I have some infornation about this but i need To clarify this really well so here goes my questions:

I have a car with full casco at zurich insurances, and now I am thinking about buying a new car so can I have 2 cars in the same policy? Will It be expensive the extra that I will pay ? Or should I get another full casco policy for the new car and change the policy for the old car to partial casco?

Thanks in advance

Best regards

2
It depends if you will ever want to use both cars at the same time or not, and the value of the second car re full casco. If not, just ask the Zurich for advice, then to add your second car- much cheaper that way.

3
2 on 1 plate is the easiest way to go - and cheaper. You'll be a nominal amount for the second car.

Voll-kasko is based on the most expensive new value. It can get clenchingly expensive.

4
Hey,

I intend To use only 1 car at a time .

The old car by law i had To have full casco because of the leasing but the leasing its already paid so I think that now I can change the policy.

Thanks for your response friend!

5
You pay based on the more expensive one, I have the actual situation with Zurich Insurance.

6
I have used this for 3 years, and it works great. as the others say, you pay for the most expensive one, and the other just a small admin fee.

Two advices:

1) Get the license plate holders that easily opens to swap the plates. There are many on the market.

2) Don't forget to swap the plates before you drive off! It is somewhat costly (based on personal experience)

// Kai

7
Thanks for the help !

8
If you do this.. the car without the plates has to be parked in a private place.. right ?

What if that private place was in France ? Think anyone would mind ?

9
Correct.

Can't remember, IIRC some insurers allow this. Ask your insurer.

10
mmm...

I'm wondering what happens at the registration of the second car...

At that point do they say '... but you have 2 vehicles at the same swiss address with the same licence place.. do you have a private parking place at this address ?'

If not.. and if the insurance is ok.. then.. I guess I can keep it off the road 'anywhere' ?

11
No. They do not ask, nor do they care.

12
Its commonly done, and the StVA refer to it as a Wechselschild.

13
As ASwissInTheUS says, they neither ask, nor care. As long as it is in a private spot, the police also don't mind.

The hard part is to remember to swap the plates. Last time I got dinged for that it was north of 500 CHF if I'm not mistaken.

14
Then there was the timetwnt I was several hundred km inside Italy.

I calmly eeked my way out.

The second time, I declared a lost plate to the carabinieri.

Tom

Tom

15
Is that how much the fine costs?

Today, for the third time now, I quickly pulled out a car with barely a cup of coffee in me. About an hour later, I realized I forgot to mount the plates. I just now got home with beads of sweat on my forehead. I'm glad I made it back home without encountering a squad car. This has happened twice before.

16
"Only" 140CHF According to:

http://www.verkehrsbussen.ch/verkehr...brik_aktuell=2

But there may have been admin costs on top of that, and I am by no means certain that it was 500.

I've done it fairly often when prepping cars for a rally. With more than one car to prep, including popping round to the carwash, remembering the number plate is apparently above my limited intellectual capacity.

I've been caught more often than I've been fined, so I'm probably about due again.

17
Sort of off-topic, but do you guys know where I can find the quick release brackets/frames similar to the picture? The Mustang I just acquired as the the permanent brackets, so just need another set for the other vehicle including the frame that the Kennzeichenhalter screws into.

18
As long as you park off the road (your own grounds or garage) you will be fine. You may leave your second car at your second home in France, put the plates in your suitcase, take easyjet to get there, put plates on the car and you are fine. Only works with a car registered in Switzerland of course.

19
and to remember where you left the other car

20
Even better if you use a trickle charger and have only one iPod.

Step 1. Disconnect power cable from car.

Step 2. Remove number plates, affix number plates.

Step 3. Remove iPod, plug in iPod.

I have trained my young son in all three disciplines, or at least to look at me with grave consternation on his face as we round the corner 100 metres from the driveway and say, "Daddy! Numberplates!" (It'd be too late for the trickle charger, but at least I wouldn't get fined, and I'd probably remember to pick up the iPod as well, once we'd returned home.)