Exclusive Insurance Offers for Labs Members Nicosia

Welcome, Labs Members!

We are excited to present you exclusive offers on car, house, life/loan, medical insurance and business insurance. As a valued member of Labs Tower, you can now enjoy peace of mind with our comprehensive insurance plans and personal care.

HJS Insurance Offer

1. A.Complimentary one to one consultation for any insurance matter. B. Consultation on tax deduction options through Life/Investment/Medical insurance plans. 

Upon your request, we can arrange a 30-minute complimentary online consultation meeting to analyse your unique insurance needs and propose insurance solutions to protect yourself and your family from financial loss. Additionally, we will propose insurance solutions which comply with Cypriot Legislation for tax deduction through insurance products. 

2. Thirty (30) EUR Cashback

• With your first purchase of a car, property or business/liability insurance plan (except plans with existing discount) with HJS Insurance, costing 300 EUR/year and more, we will refund 30 EUR to your local/EU bank account.

• Terms: Only one Member per family can claim this offer. The cashback will be released if the policy is active for a minimum of three months with our company. The cashback is not recurring. An IBAN Certificate of a local/EU bank must be provided for the cashback.

  
  

3. Individual & Group Travel Insurance Online

• Purchase Travel Insurance online here https://travelsafenow.com/

• Use discount Code for 10% at payment section: LABSMEMBER

4. Car Insurance:

• Coverage from Reputable Insurance providers

• Plans suitable for expats/employees relocating to Cyprus

• Coverage for Third Party & Own accidents, theft, natural disasters, loss of use and more (depending on the plan selected)

• Optional additional cover for the protection of your premium in case of accident

• 24/7 accident & roadside assistance in the Republic of Cyprus

• Claim Support and guidance by our team

  
  

*Car insurance premiums are calculated based on several parameters such as Driver’s Age, Driving Experience, Number of Claims, Type of Car, Value of Car, City etc. Therefore, insurance premiums vary between person to person and between insurance companies. Special discount can be given to drivers who can provide satisfactory claim history and accepted by the insurance company.

**Insurance companies have the right to decline the risk or discount based on their underwriting criteria.

5. House Insurance:

• Comprehensive House Insurance Plans

• Additional Discount for car & house insurance with same insurance company

• Selection among a variety of insurance plans

• Coverage for natural disasters, malicious acts, escape of water/gas/oil, electrical surge, public liability and more (depending on the plan selected)

• Optional worldwide cover for personal valuable items (i.e watch, jewellery) and personal liability

• Addition of Mortgage Clause if requested by your bank for loan purposes

• Advise and support for any insurance requirement during your loan procedure with the bank

6. Life/Loan* Insurance

• Insurance plans compatible with the requirements of the Bank for loan purposes: We arrange for the issuance of a mortgage clause as requested by the bank

• Advise and support for any insurance requirement during your loan procedure with the bank

• After sales support in case of questions for the duration of the insurance policy with us

• Coverage such as Life, Permanent Total Disability, Serious Diseases, Loss of Income, Savings/Investment and more (depending on the plan selected)

• Flexible plans to suit your needs 

• Financial security for your loved ones

*Know your rights: While banks often offer their own insurance products, you are generally free to choose an external insurance provider for both life and property insurance. This can sometimes help you find better rates or more suitable coverage options.

According to the Law on Insurance and Reinsurance Services and Other Related Matters of 2016 (Law 38(I)/2016), which aligns with EU directives to promote competition and protection of consumer rights, consumers have the freedom to choose their insurance provider.

7. Individual/Corporate Medical Insurance

• We provide comprehensive individual and corporate medical insurance cover from Reputable & Global Insurers

• We provide affordable insurance plans for Immigration Purposes/Requirements 

  
  

8. Office/Property/Business Insurance

• Employers Liability Insurance as per the requirements of Legislation in Cyprus

• Office/Property/Contents insurance

• Professional Indemnity, Public Liability and Directors/Officers Insurance for legal entities 

9. Provident Fund Solutions for Companies

• We provide compliant provident fund solutions designed for businesses in Cyprus

• Boost Employee Satisfaction - Offer a benefit that attracts and retains top talent

Why Choose Us?

• Your Trusted Insurance Provider in Cyprus:  HJS Insurance has several years of experience in the insurance industry. Our clients rate our services as excellent. 

• Authorised and regulated by the Cyprus Insurance Companies Control Service: License Number 5582.

• Award Winning Services: HJS Insurance received multiple awards from insurance companies in Cyprus for the quality of our work and number of clients served.

• Customer Support: Dedicated support team available via phone, email, WhatsApp/Telegram. 

• Dedicated Claims Support: We offer complimentary claim support and advise for any individual insurance product purchased through us 365 days/year.

• Convenience & Risk Management: We can prepare and help you compare various insurance offers so you can make an informed decision and minimize your risk in case of claim.