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Last checked : 01/03/2017

Car insurance validity in the EU – Liechtenstein

Third party motor insurance

When you move temporarily to Liechtenstein from another EU country (as a pensioner, second home owner, cross-border commuter), your existing insurance policy from another EU country is still valid for the period it was signed for.

You can use your existing policy, even after moving to Liechtenstein (once officially registered as a resident) from another EU country, for a maximum of 12 months.

Claims history

The risk-assessment scheme typically used by vehicle insurers in Liechtenstein is called no-claims system, and is based on a questionaire the applicant for vehicle insurance is obliged to answer. These questions concern i.e. the past or present existance of another vehicle insurance policy; whether there were any damages (over a certain amount) araising from theft or collision or any other liability claims agains the applicant; or whether the driving licence was withdrawn for a certain period of time.

If you are an EU national, insurers in Liechtenstein are not required by law to recognise your no-claims history in another EU country and factor this into your premium.

Dispute resolution

If you don't agree with an insurance payout or any other decision taken by your insurer, you can contact:

Ombudsman
Martin Lorenzon,
Postfach 2646
8022 Zürich
Tel. 044 211 30 90
help@versicherungsombudsman.ch

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