HEIMA is the residential insurance from Vectoryx – since 2024 AI claims service for German and Austrian carriers. In 2026, we will launch our own quote line for property insurance, personal property coverage, and liability.
We are not a new direct carrier. The risk is carried by established international carriers backing us. We underwrite on their behalf.
We are not a competitor to brokers. We distribute through broker pools and through property managers as tipsters – and we publish our commissions. Full stop.
We are not an insurtech hoping for its insurance carrier. Our architecture is built for the opposite: a conservative balance sheet, AI in the service layer.
AI claims service for carriers. Hamburg and further locations. Operational since 2024.
Registration as intermediary under state insurance producer license is in preparation. Entry in the intermediary register will follow at market launch.
The risk is carried by established international carriers backing us. Outsourcing notification under § 47 No. 8 VAG with state insurance department is in preparation.