Nationality matters in car insurance premium, wtf

Accidentally I forgot to change the nationality and then was amazed by the premium…so cheap…and then I googled a bit. It is indeed the case.



(btw: absolutely horrible decision on the colors in the graph!)

You also pay more as a male between 18-25.

Actuaries are pretty good at figuring out the odds you’ll post a costly claim, and at charging for this.

Insurance cos wouldn’t exist if they couldn’t charge risk-adjusted premiums. Be happy they do, your net worth will grow faster because of it even in spite of high premiums.


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Actually insurances are based on statistics so yes that is one of the reasons why nationality, gender and age affect the price :grinning:

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Hey people, please avoid discussing specific ethnicities…

I understand the reasons but nevertheless keep wondering if it’s even legal and how can it be legal? Well, I am not a specialist…

Forbidden in the UE, but not in CH

It has been discussed for years.

See a response from the Federal Council 13 years ago.

“However, if a tariff model already includes differentiation on the basis of nationality, this must be carried out in accordance with recognized actuarial principles and be based on logical, risk-based considerations. The same principles apply to nationalities for which little statistical data is available.”

In my opinion, it’s highly questionable, even though I personally benefit from it.

I get it, it’s statistics and commenting on stereotypes is just locker room banter for some people.
The very same people will cry the loudest once they are on the disadvantaged side of it.

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Also type or residence permit has an effect.

I’m not sure if it’s so easy to make a parallel between gun rules and insurance practices but just take a look at what foreigners can or can’t get a gun. See ‘list of countries’ near the end at Acquiring a weapon as a private individual. Fair or not fair, I don’t know, Swiss decide for themselves.

Oh, I have a solution for it, but it won’t pass a referendum :joy:.

so if I get the Swiss Pass but am still just a “naturalized citizen” and not an Eidgenoss, will I still have a disadvantage or do the savings start to kick in? :slight_smile:

I know you probably meant that question as a joke, but anyway: In my entire life I have not come across anything that formally distinguishes between naturalized Swiss and Swiss at birth. Swiss=Swiss, whether the “Eidgenoss”-en like it or not.

So, the savings start to kick in. :sweat_smile:

Of course its questionable and racist. If the policy was “those who resided in Switzerland for 10 years pay less” then that would be fine.

Why would someone who is born in Switzerland and lived here for 25 years but does not have citizenship, pay more than someone who was born abroad lived abroad for their whole life but their parents happened to be Swiss.

I mean is it really racist or just fair because it’s purely statistic? What if the Swiss were the ones causing higher damages and would thus have higher premiums than foreigners? Or even with the genders. I know some couples who have one car together but they signed their car on the name of the women because the premium is cheaper just because women tend to drive less recklessly than men and cause less accidents and damages?

I think if we would not base the insurances on those statistics then the premiums for most people will go up but only the small upper 95% part will receive lower premiums. Even if the premiums would be more social this way I guess the people would drive more recklessly because the cost are going to be shared anyway with people being more and more egoistic and having less respect towards each other nowadays.

People need to take responsibility for their actions, regardless of which citizenship is owned.