Insurance & Tax Optimization
Charles
Charles remains available to send you an offer electronically, to speak over the phone or to meet in person to go through your Swiss insurance obligations and options.
Financial terms and conditions:
First meeting: No charge
By phone: +41 78 601 40 90
I understand and accept that ExpatExperts cannot be held legally responsible for any losses incurred or disputes that arise once I have voluntarily signed a binding contract with an ExpatExpert partner.
Relocation
Delphine et Jeff
Delphine et Jeff remain available to speak over the phone or to meet in person to go through your rental home search criteria.
Financial terms and conditions:
First meeting: No charge
Use the non-accompanied home-search package they provide: Consulting fee CHF 2’500
Use the fully-accompanied home-search package they provide: Consulting fee CHF 3’500
By phone: +41 78 601 40 90
I understand and accept that ExpatExperts cannot be held legally responsible for any losses incurred or disputes that arise once I have voluntarily signed a binding contract with an ExpatExpert partner.
Real-Estate & Mortgage
Natacha
Natacha, an expert in real estate valuations with more than 15 years of experience, is here to guide you. Specialized in supporting expatriates and residents in Switzerland, she only works on exclusive mandates, thus guaranteeing personalized service and total attention to each project.
By choosing to work with Natacha, you benefit from her vast network and her commitment to finding the ideal property (home or investment) or selling your property in the best conditions. Thanks to her in-depth knowledge of the Swiss market and her tailor-made approach, Natacha helps you navigate each stage of your project with confidence.
Contact her today for a dedicated service adapted to your needs!
By phone: +41 79 948 17 17
I understand and accept that ExpatExperts cannot be held legally responsible for any losses incurred or disputes that arise once I have voluntarily signed a binding contract with an ExpatExpert partner.
Tax & Accounting
Devis
Devis remains available to speak over the phone or to meet in person to give you an evaluation of your situation.
Financial terms and conditions:
First meeting: No charge
By phone: +41 22 715 14 80
I understand and accept that ExpatExperts cannot be held legally responsible for any losses incurred or disputes that arise once I have voluntarily signed a binding contract with an ExpatExpert partner.
Guide to Building, construction and building liability insurance in Switzerland
About us
Who we are
ExpatExperts is based in Geneva Switzerland. We represent a panel of English speaking experts that have the professional and personal skills required to facilitate the arrival and settling-in process of families & individuals moving to Switzerland.
Our mission
Everyone has multiple challenges when they arrive in a new country. All of these challenges are demanding when one speaks French and understands the Swiss system and culture; for those that do not speak French and that have just arrived the tasks ahead can be greatly simplified with the help of local experts.
More info
Business model
Our users are never charged for an introduction to an expert, the first contact is totally free with no obligation whatsoever to enter into a contractual relationship with an expert. It is only once the user signs a contract with the expert that they become bound by the agreed terms and conditions between themselves and the chosen party.
More infoWhy choose our service
Our service is totally focused on our users’ immediate, short, medium and long-term needs. Using ExpatExperts will save its’ users time and money by introducing them to qualified professionals who speak English. The most common needs our experts will assist our users with are: A) Immediate needs: Find a new home, be it a purchase or a rental. Register with the local authorities and electricity providers and finalize residency paper work once a home has been found. Comply with Federal regulations and subscribe to obligatory health insurance schemes and homeowner or tenant and liability insurance plans. Organize communication and IT issues (internet, telephone…). Open a bank account. Organize schooling for their children B) Short term needs: Buy furniture, decorate, get settled-in .Deal with mobility (motor vehicle, bicycle, public transport…). Be advised on local tax procedure and file tax declarations. Understand how the health system functions C) Medium and long-term needs: The list goes on depending on each individual situation. Finding interest groups, health clubs, where to shop, how to best integrate into a new life and culture, language lessons…
Our expert will help you:
– adapt your insurance portfolio to your requirement – on claims – on all of your follow up requirements – on all of the insurance modules available on the Swiss market for all of your requirements
Our English speaking insurance expert is: Charles McHugo – Charlesinsurances.com
Insurance & Tax Optimization
Welcome to Switzerland, the land of obligatory insurance contracts. When choosing your insurance provider the most important point to push on is FOLLOW UP and after sales service. In Geneva alone there are over 2500 insurance « advisors », all of them are able to sell you a contract, but only 10% of them will really be there for you when you need them for a claim, lost bill, a translation of a French document and other admin mysteries you will be confronted with when handling your insurance portfolio. They are all well paid by the insurance companies when they sell you a contract, so they do not need to charge you for their advice if you sign a contract with them. A good insurance advisor can help you with all the basics, including health insurance, home and liability insurance, rental guarantees, car and legal insurance, art and valuable items coverage, and life insurance, coupled with tax optimization saving plans, known as pillar 3A and pillar 3B plans. Below you will find guides on all of the above (and more…).
> Our Insurance GuidesAsk for advice to understand what you are paying for, not the cheapest premium. All advisors can sell you something cheap, but only those that know their job will sell you the insurance plans and modules adapted to your personal situation. The obligatory insurance contracts in Switzerland are: For everyone: health insurance and at least the liability module for motor vehicle insurance For tenants: contents and liability insurance, rental guarantee For owners: building insurance
Relocation
Geneva remains one of the cities in the world with the lowest property vacancy rate, with only 53% of the offer being vacant on 1 June 2018. This explains the high rental prices and the fact that locals take anywhere from 6 to 12 months to find a new property when they want to move. It is extremely difficult for new arrivals to brave the home search procedure alone because more than 60 real-estate agencies manage the property market in Geneva, meaning few agencies have more than five properties to rent in the required category at any one time. The few vacancies available are then often attributed to the “well connected”, which is generally not the case of the newcomer!
To become “well connected” fast and find your new home ASAP contact us. We find a new home every other day for our clients, that is what we do since 2013 thanks to our network of agencies and landlords and our team of qualified home search consultants.
Our experts will help you:
– find a non furnished property to rent – find a furnished property to rentOur English speaking Relocation Experts is: Delphine & Jeff – Global Relocation
Our experts will help you:
– structure the financing of your purchase – find a property – sell your property for a fixed fee
Our English speaking Relocation Expert is: Natacha – Nid’s Properties
Real-Estate & Mortgage
Property to buy is scarce in Geneva, prices are high and the system requires a considerable cash input to become a home owner. These facts explain why only 35% of Swiss citizens are owners and 65% are tenants. The Swiss real-estate system is like no other in the world. Considerable tax benefits and high prices push the Swiss to never amortize 65% of their mortgage, they prefer to just pay interest, for life. Finished square meter prices are anywhere between CHF 8’000.- and 15’000.- ; meaning 100sqm rarely cost less than CHF 1 million. For this amount 5% of cash is required for notarial and legal fees and a further 20% is required as personal equity, part of which can be withdrawn from existing pension plans.
Tax & Accounting
As governments worldwide become more and more strict with their tax regulations and international reporting requirements, preserving and accumulating wealth is a greater challenge than ever. Speak to our experts to make sure that your Swiss tax declaration is optimized. Are you benefitting from all the deductions you are allowed? Is it worth investing in property in Switzerland? Should I proceed with a pillar 2 buyback? For additional tax cuts should I invest in a pillar 3b, as well as my traditional pillar 3a? For more complex international wealth and tax planning our experts can advise on creating offshore multiple jurisdiction trusts or companies. They can also subsequently assist with the administration, accounting, auditing and secretarial obligations.
Our expert will help you: – optimize your Swiss and international tax situation – preserve your wealth through the creation of a trust or a company with bookkeeping – accounting, audits and secretarial tasks
Our English speaking Tax & Accounting Expert is: Devis – AZ Fidu Holding SA
Contact us
For any query, please do not hesitate to contact us.
We will respond promptly. You can also call us on:
+41 (0)78 601 40 90
