Personal Lines & Affinity

Specialist cover across personal lines, benefits, automotive and retail.

Affinity

Standard policies aren’t built for complexity. We are. At Howden, we design
coverage around the uniqueness of your situation, with specialist expertise,
bespoke solutions, and access to a global network that goes where your
assets do.

Coverage as unique as your portfolio 

You live in Switzerland, but your life doesn’t stop at the border. Your properties, your health plans, your investment portfolios span countries and jurisdictions. We work with high-net-worth individuals and family offices to build comprehensive, internationally coordinated programmes covering real estate, jewellery, fine art, car collections and international health insurance, all under one roof. Wherever your assets are, we make sure they’re covered.

The right benefits, without the complexity

Your size is an advantage — use it. As a corporate or association, you can offer your members and employees access to individual insurance solutions at conditions they couldn’t secure on their own. It’s a real differentiator when it comes to attracting and retaining the right people. They get coverage that fits. You get a stronger offer. Nobody gets extra paperwork.

 

Cover as rare as what you own

Fine art, precious metals, gemstones: their value is hard to assess, harder to replace, and rarely understood by standard insurers. We work with a carefully selected network of experts who specialise in exactly these risks and maintain direct relationships with specialist storage operators across Switzerland. Whether your collection is on display or in a vault, we know exactly how to protect it.

From showroom to policy 

Done right, insurance becomes part of what makes you competitive. Whether you’re a manufacturer, a dealership, or a leasing company, we offer solutions that fit the way your business works, from leasing coverage to GAP insurance and used vehicle guarantees. The result: stronger customer relationships and an offer that stands out.

Where retail meets coverage

When insurance is embedded in a purchase, the product and the protection need to work as one. We partner with retailers, banks and financial institutions to design programmes that fit seamlessly into their customer journey, from payment protection to credit-linked cover. You focus on your core business. We make sure the insurance piece holds.

A standard cover is not enough?

It rarely is. Let's look at what you actually need.

Contact us