English speaking Experts for Individuals & Families moving to Switzerland

cHOOSE AN eXPERT

Insurance & Tax Optimization



Relocation



Real-Estate & Mortgage



Tax & Accounting



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Guide to personal liability insurance in Switzerland

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Guide to Cancellation, travel & roadside assistance insurance in Switzerland

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Guide to High Value Items Insurance in Switzerland

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Guide to personal belongings or contents insurance in Switzerland

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Guide to rental guarantee or surety insurance in Switzerland

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Guide to car insurance in Switzerland

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Guide to Building, construction and building liability insurance in Switzerland

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Guide to Legal Insurance in Switzerland

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Guide to LAMal Health and accident insurance in Switzerland

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Guide to fine art insurance in Switzerland

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Guide to loss of income & disability insurance in Switzerland

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Guide to life insurance in Switzerland

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About us

Swiss Insurance

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.

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Swiss Insurance

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.

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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.

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Why 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…

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Swiss InsuranceOur 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

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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 guides

Ask 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.   
Swiss Insurance and relocation experts

Our experts will help you:
– find a non furnished property to rent

– find a furnished property to rent

Our English speaking Relocation Experts is:
Delphine & Jeff – Global Relocation

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Swiss InsuranceOur 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

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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.

Swiss Insurance

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

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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

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