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IT You want to drive a luxury car in Switzerland without a four-year commitment, without managing separate insurance, without anticipating the cost of winter tires—and ideally, with the option to change vehicles as you please. Traditional long-term leasing doesn't allow for this. Neither does leasing. And buying even less so.
Car subscriptions are a solution that perfectly addresses this need. However, they remain relatively unknown, often confused with long-term rentals or leases in different guises. This guide clarifies the three options, their actual cost, and the profiles for which each is best suited.
The three formulas in brief
Leasing
Leasing is a financing contract. You pay a monthly fee to use a vehicle that you don't own, with an option to buy at the end of the contract. Standard terms range from 24 to 48 months, sometimes longer.
What leasing rarely includes: insurance, maintenance, tires, road taxes. These are costs you manage separately, often unexpectedly.
What leasing requires: a firm commitment for the entire duration. Early termination results in significant penalties — often equivalent to several monthly payments.
Long-term leasing (LLD)
Long-term leasing (LLD) is similar to traditional leasing but generally includes maintenance and sometimes insurance, depending on the contract. It is often reserved for businesses or large fleets. For individuals wishing to access luxury vehicles, the selection in Switzerland remains limited and the terms are inflexible.
Minimum contract terms are rarely less than 24 months. Changing vehicles during the contract period is theoretically possible but practically expensive.
Luxury car subscription
The subscription is a monthly plan that includes everything: comprehensive insurance, maintenance, servicing, summer and winter tires, motorway toll sticker, and road tax. You pay a fixed monthly fee. You only pay for fuel.
The fundamental difference between long-term leasing and traditional leasing lies in two characteristics: the short duration (starting from a few months) and the flexibility of termination. You can pause your subscription, change vehicles, or end the contract without excessive penalties.
Comparing actual costs: the example of the Porsche 911
Let's take a concrete example. You want to drive a Porsche 911 Carrera for 12 months in Switzerland.
On lease
A new Porsche 911 Carrera costs around CHF 130,000. On a 48-month lease with a CHF 20,000 down payment, the monthly payment is around CHF 1,500 to CHF 1,800.
But add:
- Comprehensive insurance: approximately 300 to 500 CHF/month depending on your profile
- Annual maintenance: between CHF 2,000 and CHF 3,500 per year depending on mileage
- Winter tires: between 1,500 and 2,500 CHF (purchase + fitting + storage)
- Swiss motorway vignette: 40 CHF/year (anecdotal, but representative of the scattered costs)
Actual monthly cost for a 12-month lease: between CHF 2,200 and CHF 2,800 minimum, not counting additional kilometers or any repairs not covered.
F-Motors subscription
The Porsche 911 Carrera 4S subscription at F-Motors: from CHF 1,800 per month, including comprehensive insurance, maintenance, summer and winter tires, taxes and assistance.
Actual monthly cost with subscription: CHF 1,800Fixed, unsurprising.
And if in six months you want to upgrade to an Audi RS6 or a Ferrari Roma? With the PLUS subscription, you can change your vehicle four times a year.
Comparative table
| Criteria | Leasing | LLD | F-Motors Subscription |
|---|---|---|---|
| Minimum duration | 24 to 48 months | 24 to 36 months | A few months |
| Insurance included | No | Sometimes | Yes — full helmet |
| Maintenance included | No | Yes (partial) | Yes — complete |
| Tires included | No | Rarely | Yes — summer and winter |
| Vehicle change | No | With difficulty | Yes — up to 4 times a year |
| Early termination | Penalties | Penalties | Possible |
| Vehicle available | To order | To order | Available immediately |
| Visible cost | Monthly payment | Monthly payment | All inclusive except fuel |
For whom is the subscription particularly relevant?
French-Swiss border residents
This is probably the profile for which the subscription offers the most advantages. A cross-border worker employed in Geneva has a Swiss salary but resides in neighboring France—Pays de Gex, Haute-Savoie, Ain. Accessing a lease or long-term rental agreement for a vehicle registered in Switzerland from France is administratively complicated and often refused by Swiss financing institutions.
The F-Motors subscription bypasses this problem: the contract is simple, the vehicle is registered in Switzerland, you can use it in France without restriction, and everything is paid by monthly bank transfer. No Swiss banking procedures are required.
Executives and freelancers seeking flexibility
A business leader who knows their needs may change—a merger, a relocation, a period of remote work—would be wise to avoid a 48-month vehicle contract. A subscription allows them to tailor their car to their actual situation, not a four-year projection.
It is also possible in some cases to claim the subscription as an operating expense if the vehicle is used for business purposes. Consult your accountant for details.
For enthusiasts who want to mix things up.
Driving a Lamborghini Urus in winter and a Porsche 911 Spyder in spring is precisely what the PLUS subscription allows. Four vehicle changes per year, across the entire F-Motors fleet. It's a privilege that neither leasing nor long-term rental offers.
Expatriates and temporary residents in Switzerland
An expatriate executive moving to Geneva for two or three years has no interest in leasing. A subscription offers them a luxury car immediately available, with no down payment, no bank negotiation, and the option to cancel when their contract ends.
The two subscription options at F-Motors
One Subscription : a single vehicle for a period of 6 to 12 months. Ideal if you know exactly what you want and wish to benefit from the best price.
PLUS Subscription Maximum flexibility with up to 4 vehicle changes per year. Ideal for enthusiasts or those whose needs vary depending on the season or project.
In both cases, the deposit is reduced compared to a standard rental and is payable only by bank transfer.
Things to check before subscribing
Regardless of the service provider, here are the questions to ask before signing:
- Is the insurance truly comprehensive, or only third-party liability?
- Are winter tires included or optional?
- Is the included monthly mileage sufficient for my actual usage?
- What is the cost per additional kilometer?
- What are the actual conditions for early termination?
- Can the vehicle be used outside of Switzerland, and in which countries?
At F-Motors, this information is available directly on each vehicle's page and in the subscription terms and conditions. No surprises at the end of the contract.
Do you want to compare the options for your situation? Contact our team — we'll discuss your needs, estimated mileage, and the vehicle that best suits your profile. The consultation is free and without obligation.
