To a large Parking area in Studen, in the Bernese Seeland in the cars waiting for their new owners. Not all look as you would expect a total loss. Some of the cars are only at first glance easy to be damaged.
But the Swiss are well insured and repairs are in this country because of high wage levels expensive. "Often there are no crushed cars, but it is a commercial total loss," says Rico Zwahlen, head of the Xpert center AG, a subsidiary of furniture . This means that the repair would be more expensive, than the compensation is the value of the car. In these cases, the Insured will receive the money paid and the furniture is the owner of the damaged cars.
broken cars of the Post and SBB
As number three in the Swiss car insurance market (after AXA and Zurich) are also included in the furniture, annually, 7500 accident cars. And these cars are not necessarily worthless. From them as much as possible of earnings to get, the furniture, the auction platform www.swisscrashcars.ch. There, they auctioned off about 8500 damaged vehicles by third parties. Among other things, those from the companies of the Swiss Post and SBB fleets.
anyone may bid on the platform: open only to firms with entry in the commercial register. A total of 650 bidders registered on the platform – from Switzerland, Germany, Poland, the Czech Republic, Slovakia, Hungary and Bulgaria.
The tenderer must be able to estimate what the car wreck is still in use.
If the car of an Insured person is hospitalized in a workshop, reviewed it a furniture-expert, on-site or by means of a Software that connects his Computer with the Smartphone camera to the Mechanic. The car is considered a total loss, the pictures of the experts equally, the accident car advertise on the auction platform.
"describe The more precisely we the condition of the car, the higher the bids fall," says Xpert center Manager Rico Zwahlen. This is because the bidder would have to be able to estimate them with buying the car wreck can still be use. The less damaged car to be sold, according to Zwahlen often in the domestic, repaired and second-hand cars back on the market. The auction platform achieved 80 percent of its sales in Switzerland.
In the East, sought-after spare parts
The heavy damaged cars are bought by garages and car dealers, to of gutting them. Many a accident car has many intact components that can be used as spare parts or resold. In such cases, the Eastern European bidders to beat. Because the work abroad is cheaper, worth the breakup of the cars, take more than in Switzerland, said Zwahlen.
other big insurers auction accident cars. Axa has its own Internet auction platform, which Zurich operates together with baloise insurance, Generali, and Vaudoise the site residual value exchange. On both platforms are allowed, in contrast to the auctions of furniture, only a Swiss entrepreneur as a bidder.
In the cut there are 3400 Swiss francs
For the insurer, the auction platforms are a good business. With the proceeds, you can reduce the amount of losses. The furniture sold an accident car in the cut for 3400 francs. Last year, the insurance company has taken a total of 22 million Swiss francs. With the accident of the car that you sold to third parties, have had the furniture a further 33 million in revenue.
The Internet-auctions are held every day, but for a Bulgarian buyer pick-up is not economical for a single car wreck. So, the car for foreign bidders on the said Parking place in hours be placed in storage until you take a trip in the East. (Editorial Tamedia)
Created: 09.04.2019, 23:31 PM