Find the right tailored insurance
In-depth knowledge in placing insurance for your properties, art collection, jewellery & vintage cars!
Himaya Switzerland, a truly independent broker, has an in-depth knowledge in placing the insurances of your properties and assets at large. We can approach several insurers to provide you with the best insurance terms to insure the following risks:
Global private property portfolio
- Cover for multiple private properties on a single policy
- Buildings and possessions cover can be tailored
- Contents only cover also available for apartments and leased property
Fine art collection
Your insurance policy will cover on all risk basis physical damages or losses (except what is excluded) your beloved fine art and collectibles. It includes a very wide range of collections from paintings to musical instruments including bronze statuettes, stamps, medals, coins, modern engraved gems etc.
Jewelry collection
Your jewelry collection would be covered on all risk basis physical damages or losses (except what is excluded) whether they are located in your private dwellings, bank vaults or worldwide during your travels.
Classic car collection
Your vintage car collection would be covered on all risk basis physical damages or losses (except what is excluded) and on agreed value basis wherever they are located (worldwide cover option except certain countries) and during laid up.
Our Services
- Starting with a comprehensive, personalized and holistic approach in order to go through the different types of risks that your properties at large and collections can be covered for
- Assisting You in filling the various insurance proposal forms which is the starting point for preparing the file to be submitted to underwriters
- Advising on the documentation/information normally requested by underwriters
- Approaching the market(s) to get different offers and doing the necessary insurance market exercise through comparing different quotations not only based on their premium but also differentiating between various terms and conditions under each quotation.
- Assisting and providing advices on your rights and obligations based on our experience throughout the life of the claim from the initial declaration of the claim. We will assist in:
– Liaising with the insurance company to second a loss adjustor to survey the claim
– Managing Your expectations as to what is covered or not as per policy terms and conditions.
– Drafting a letter of reserves to protect the right of recovery of insurer(s) if there is third party who is responsible for the damages
– Following up with insurer(s) on the claim all the way till the claim file is indemnified and/or closed. - Assigning one Account Executive in charge of Your Account from A to Z who acts as a single point of contact
Our Advices
- To deliver on your duty of making a fair presentation of the risk to insurers containing all material circumstances which you know or ought to have known. If you are in doubt as to whether information is material, it is best to disclose it since rarely disclosure will prejudice you, whereas non-disclosure certainly will.
- The disclosure to include:
– Loss history of the owner
– Any material fact which is one that is likely to influence the judgment of an insurer when determining whether to provide a business with cover and at what premium. - It is not a matter of premium only; policy terms, conditions and exclusions should count
- When there is third party liable protect the rights of recovery of the insurer (s) as per your contractual obligation
- To immediately inform your insurance broker of any claim in order to be guided properly
- In case of claim, if a loss surveyor is appointed it is always better that you or your entrusted representative attend the survey
- In case of claim, do your best to mitigate the damages/losses and act as if you were not insured
AT THE TIME OF THE CLAIM IT IS TOO LATE! “TO GOVERN IS TO FORESEE…”
