Assurances Thurre & Pancera
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An Established Broker for the Vaud Region
Assurances Thurre & Pancera is a full-service insurance broker based in Lausanne serving the Vaud region. The firm describes itself as offering advice "in all domains of insurance and provision" (Assurances THURRE & PANCERA Sàrl), operating as a traditional brokerage that connects individuals and businesses to insurance products across multiple providers. The site, presented entirely in French, reflects the firm's Francophone customer base and local market focus. The firm has established itself as a sustained presence in the local insurance landscape.
Health Insurance and Arrival Services
Health insurance enrollment is the mandatory first task facing anyone who moves to Switzerland. Thurre & Pancera explicitly lists "Caisse-maladie" (the formal name for mandatory health insurance) among its services for individuals. The firm positions itself around what arriving residents actually need in the immediate weeks after relocation, framing services in the context of life events: the site describes services under headings like "Naissance" (birth), "Mariage, Divorce, Décès" (marriage, divorce, death), and "Retraite" (retirement). For someone arriving, the site highlights services under "Particuliers" (individuals), including the core policies: health insurance, household liability, vehicle coverage if applicable, and legal protection.
The household liability insurance (RC ménage) deserves particular emphasis because rental agreements in Switzerland commonly require proof of this coverage. A landlord nearly always stipulates it as a lease condition, and obtaining both health insurance and liability coverage immediately upon arrival prevents gaps in protection. Thurre & Pancera handles both within a single consultation, avoiding the friction of contacting different brokers for different needs.
The site also mentions coverage for major life expenses, including mortgages ("Prêts hypothécaires"), which indicates the firm advises on home purchase later, though this is secondary for arriving residents.
The Broker Network and How to Approach Them
The firm maintains partnerships with multiple insurance companies, which matters because health insurance costs vary significantly across insurers for the same coverage level. Rather than an arriving resident contacting multiple insurers independently, one conversation with Thurre & Pancera brokers lets them present options and often negotiate better rates through broker relationships.
The site emphasizes a management mandate ("mandat de courtage"), which grants the brokerage authority to manage the full portfolio on behalf of the client. This simplifies renewals and claims over time: instead of handling notices and paperwork individually, a client maintains one relationship. The firm guarantees "meticulous management" ("Gestion minutieuse") and promises "very attractive rates" through these broker partnerships. The site also promises "confidentiality," a standard assurance but one that matters when discussing personal circumstances and health history with a new advisor.
To initiate contact, the site's contact form allows selecting the service category. "Demande d'offre pour particuliers" (quote request for individuals) is the relevant path for arriving residents. The form also allows specifying the reason for inquiry: options include "Assurance maladie & accident" (health and accident insurance), which makes the intent clear. Phone contact is 021 654 21 54. The firm is open Monday through Friday 8am to noon and 1:30pm to 4pm, and is explicitly closed Wednesday afternoons. A call on Tuesday morning or Thursday before 4pm avoids the afternoon gap entirely.
The firm's postal address is Chemin de Rovéréaz 5, Case Postale 251, 1000 Lausanne. Email is info@thurre-pancera.ch. The site lists these details clearly, which suggests they expect phone and written contact; live online chat is not mentioned.
What the Site Does Not Settle
The site publishes no premium estimates or price examples. This is universal in Swiss insurance brokerage: quotes are personalized to the individual's age, health status, family composition, and desired deductible level, so any published figure would be misleading. Someone calling for a quote should expect to provide basic biographical data and answer questions about existing coverage, the household setup (renting or owning), and whether dependents are involved.
The site does not specify whether advisors speak English. Insurance brokerage in Switzerland increasingly accommodates English, especially in cities like Lausanne that attract international residents. However, the firm's website is entirely in French, and the services page makes no mention of English capability. A new resident arriving with limited French should ask directly about language options or request a written consultation process where translation is manageable.
The firm does not clarify processing timelines. Health insurance in Switzerland generally starts within days of enrollment for the basic mandatory layer, though some insurers have short waiting periods for elective add-ons like dental or ambulatory care. When coverage actually begins depends on the insurer chosen and the completion of the application, questions that only emerge after a broker consultation.
The site also does not specify whether there are service fees for the consultation or whether the broker receives commission only from insurance carriers. This is a practical question worth asking during the first call, as some brokers charge direct fees while others operate on insurer commission alone.
Who It Suits and Who It Does Not
Thurre & Pancera suits someone arriving in the Vaud region, particularly around Lausanne or the surrounding communities, who prefers talking through insurance options with a local advisor rather than dealing with the cantonal database and insurer websites alone. Francophones find the firm immediately accessible; their French-only site and purely French operations reflect this positioning.
Non-French speakers who are comfortable either speaking French with an advisor or using written translation for key points can work with them, though the language barrier adds friction. The firm is less suited for someone wanting to choose insurance entirely online or by email.
The firm also is less useful for someone relocating to Valais, Bern, or eastern Switzerland, where a regional broker in that canton is more convenient for ongoing service. Thurre & Pancera's positioning as a Lausanne and Vaud specialist means they know local landlords, local insurance requirements, and regional nuances, advantages that disappear if you need them to travel or coordinate across regions.
Contact and Location
Assurances Thurre & Pancera Sàrl
Chemin de Rovéréaz 5
Case Postale 251
1000 Lausanne
Phone: 021 654 21 54
Fax: 021 654 21 50
Email: info@thurre-pancera.ch
Hours: Monday through Friday 8am to noon and 1:30pm to 4pm (Wednesday afternoon closed)