I will have to change my car insure, I’ll try to reduce as much as possible, coming from Zurich probably going to Smile Direct. But my car is still less than 2 years old (yes I know a new car, don’t hit me, I made my calculations thus before buying, in a huge Spreadsheet with even some Tesla in it for the fun of comparing) and it’s still under warranty for another 2 years so I will probably not remove the Full Casco (not sure how to translate).
However I have seen that the bonus protection is costly, it’s 100frs per year for both the protection on RC and casco. My question is, if I remove it and I have a case that will increase my insurance bill, how difficult is it to get another insurance to let you in? Alternatively can I insure the car under my wife name to get a new fresh offer with minimum bonus if anything happen? We are both driving 50/50 more or less. And if I do take the insurance under her name, should I change the registration of the vehicle under her name as well or it doesn’t matter?
Side question, a bit more tricky, I’ll use the Neon offer to do the insurance. If in a couple of year we change the insurance to my wife, will she be able to get the offer as well for the same car from her Neon account (assuming the offer is still valid)?
Hopefully nothing will happen like usual and we will save a lot of money, but just to be ready just in case.