## A short introduction to your leasing

Your leasing contract is provided by Migros Bank and Gowago is the representative of Migros Bank.

<div class='indent'>
 Duration and mileage

 Part of your leasing contract is the duration and mileage. This determines the amount of kilometers that are included in your contract and the duration of it. If you drive more kilometers than the stipulated in the contract there will be an additional fee per kilometer. You can find this fee in your contract, or you can contact All-in-one customer service, and we will provide you with the information. 

 Payment

 Payment shall be made monthly in advance, no later than the first day of each month. 

 Use and maintenance of the vehicle

 You will be responsible to use the vehicle carefully, properly and in accordance with the manufacturer's or supplier's instructions. You are also responsible for maintaining, servicing and, if necessary, repairs. All costs will be covered by your All-in-one contract.

 End of the lease

 You have to return the car including all the accessories at the end of the contract at a TCS location after arranging the return with All-in-one customer service.
If you would like to keep the car after the lease, please contact All-in-one customer service as soon as possible.
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Quick tools

## Returning your car at the end of the lease

At the end of your lease, the car has to be returned in a good condition. As part of your All-in-one all costs are covered, but you must ensure that any repair, service, tyre change is done prior to the return. If you fail to do so before the return date, your All-in-one package will not cover the costs.

<div class='indent'>
 How to return your car

 At the end of your lease you have to return your car to gowago. We have partnered with TCS to arrange the return. We use their locations across Switzerland and their unbiased position to determine the condition of the car. 

 The car must be returned in a good condition with no damages or scratches. Small paint damages such as dents with a diameter of less than 2 cm are not regarded as damage, but as normal wear and tear.

 The interior should also be clean and free of odours. In particular, smokers and/or animal owners should be particularly thorough here, in order to free the vehicle of traces of cigarette smoke, ashes or hair. Tyres must have a tread of at least 1.6 mm. 

 You’ll have to bring all the car documentation and both keys

 Where to return the car

 You can return your car at any TCS location, but you must schedule an appointment with the All-in-one customer service prior.

 We can also pick up the car anywhere in Switzerland with an extra fee. Please contact All-in-one customer service at least 14 days in advance if you want to use this service.

 Keeping the car at the end of the lease

 The value of the car at the end of the lease is the residual value. The residual value was determined at the time of the purchase of the car and is stated in the leasing agreement.

 Extra charges

 As part of the leasing contract, a mileage allowance was agreed to. If the total amount of kilometres was surpassed at the moment of the return you will have to pay a fee per extra kilometre. You can find the price chart in your leasing contract. 

 If the condition of the car is not as expected, you’ll be responsible for the repairs and corresponding fees.

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This guide is a short summary of returning your car

Returning your car

## Contact

All-in-one customer service:

<a href="tel:+41 44 505 11 18" class="phone-number">
 
 +41 44 505 11 18
</a>
<a href="mailto:all-in-one@gowago.ch" class="phone-number">
 
 all-in-one@gowago.ch
</a>

Declare a change of address

## Your leasing contract

In your contract, you’ll find all the details of your leasing agreement. It includes the Residual Value, which is the value of the car at the end of the leasing. The Mileage allowance, which determines the amount of kilometres you can drive during the leasing period, is also mentioned in the contract. 

<div class='indent'>
 Payment terms

 You have to pay the leasing monthly instalments in advance, no later than the first day of each month. The monthly lease instalments have to be paid even if the vehicle cannot be used or can only be used to a limited extent.

 If you miss a payment, the instalment is still owed to the leasing bank (Migros Bank) with the corresponding interest rate. In addition, you will be charged with a reminder fee of CHF 10.00 for a 1st reminder and CHF 20.00 for a 2nd and each subsequent reminder.

 Use and maintenance of the vehicle

 You will be responsible to use the vehicle carefully, properly and in accordance with the manufacturer's or supplier's instructions. You are also responsible for maintaining, servicing and, if necessary, repairs. All costs will be covered by your All-in-one contract.

 Modifications to the vehicle may only be made with the prior express written consent. If you are unsure about a change, please get in touch with our All-in-one customer service.

 Damages to the vehicle

 If you have any damages to the vehicle, you must use your insurance (included in your All-in-one contract) to get it repaired as soon as possible. If the repair amount is over CHF 1000 you have to notify us via email - <a href="mailto:all-in-one@gowago.ch">
 all-in-one@gowago.ch
</a>

 Early cancellation

 If you want to cancel your contract before the contractual date, you will have to settle your agreement as described in your contract in the section: “Settlement for early termination”.
 The car must be returned in good condition. Any necessary repairs and maintenance work that is not attributable to normal wear and tear will be charged to you. Excessive mileage can also be charged at the agreed rate per extra kilometre.

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This guide is a short summary of your leasing contract

About your leasing contract

Learn about your contract with Migros, return your car at the end of the lease or cancel early

Leasing by Migros Bank

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A short introduction to your leasing

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