Guaranteed income

This insurance covers the income level and financial consequences of work incapacity (for self-employed persons).

Group life insurance

Group life insurance is an insurance that your employer offers. The employee is the beneficiary of the group life insurance.

Long term life insurance

This insurance covers the financial problems that your partner or your kids will have in case of death. The capital or interest will always be paid as soon as the insured person dies.

Level term life insurance

This insurance covers the financial problems that your partner, your kids will have in case of death. This insurance pays you a capital of your choice if you die unexpectedly.

You name the beneficiaries if you die: your partner, your kids, etc.

The temporary life insurance will only pay the capital or interest if the insured person dies before the contract is finished.

Pension plan

A pension plan is in addition to the legal pension that the government organizes (the first pillar). The pension plan is a supplementary pension that is organized by your employer (second pillar) or by yourself (third pillar).

Mortgage insurance

This is a life insurance that is linked to a mortgage. This insurance covers unexpected things that can occur during the term of the mortgage and that can affect your mortgage for ex. work incapacity.

VAPZ (free supplementary pension for self-employed)
Self-employed persons have the ability to build an extra supplementary pension.

Through this insurance the self-employed entrepreneurs can build a pension for themselves.

Civil liability of the family

This insurance covers the damage you and your family members living on the same address cause towards a third party

Fire and related risks

This insurance covers the damage to your house (building and contents) due to: fire, water damage, tempest- and hail damage, broken glass and natural disasters. It’s also possible to insure against theft within an optional guarantee.

Contractors all risks

This insurance covers the building works against damage (fire, explosion, storm, theft and accidents) during the entire construction works.

Motor vehicles

This insurance covers the damage you cause to a third party and as a result of a car accident in fault.
It’s also possible to insure your car for damage due to: fire, theft, breakage of glass, natural disasters, hitting an animal, vandalism and your own accidental damage

Traffic Insurance

This insurance covers for the bodily injuries of the driver as a result of a car accident and can be extended for the entire family. It can be extended in the entire traffic as well as instead of driver or passenger in a car only.

Car assistance

This insurance takes care for the towing in case of a car breakdown.

Legal assistance

This insurance covers the cost of necessary legal defence based on legal facts. It gives you the ability to inform you of your rights and it offers you financial protection. It provides cover in various fields. For example: conflicts (who is responsible for the accident?), judicial procedures, penalty increase, damage cases, etc.

Home assistance

Home assistance is an extra cover to your fire insurance.
Some examples: On demand the insurer will send a locksmith immediately in case of loss or theft of keys or a practitioner for urgent and necessary repairs to ensure the safety of your property with breakage of glass,…

Medical costs (both residence in Belgium as abroad)

Medical costs within your travel insurance covers all costs for emergency care on your holiday. There is a difference between medical costs during your holiday abroad and medical costs before you leave for your holiday abroad. Another possibility is an hospitalization insurance. You can choose between different formulas depending on the risk you would like to insure.

Personal accident insurance

The personal accident insurance provides you with financial protection when an accident happens in your private life. When an accident happens while working you can fall back on the insurance at work by your employer but the personal accident insurance covers you if an accident happens during your spare time.

Dental plan

Dental problems can cause high costs. With a dental plan you can get a refund for dental treatments after reimbursement of the mutuality.  You can choose between different formulas.

Travel insurance (assistance, medical costs, luggage and cancellation)

This insurance covers property damage like your luggage or personal damage such as illness or accidents you have on your holiday or during your trip. You can choose between different travel insurances formulas.

Events, exhibition & fairs

This insurance covers the organization and its staff for the material and physical damage caused to third parties on the location of the event, exhibition or fair during the event as well as during the preparations and the clean up after the event.

Kidnap & randsom

Kidnap and randsom insurance protects a company and its employees against kidnapping, imprisonment and hijacking. The insurance is mainly intended for multinationals and companies that operate abroad in high risk areas.

Horses

This is an additional guarantee that you can choose for your insurance civil liability for your family. It covers the material or physical damage caused by your horses towards a third party.

Recreational boats / yachts

This insurance covers you for material damage caused by your boat and injury to others. It also covers against fire and explosion damage to your boat and theft.

Moving (Belgium / abroad + furniture)

Moving your home contents to a new address is a lot of work but there can also be a lot of risks. Who wants to be covered during this moving and wants to avoid problems can get a moving insurance.

General transport

All kind of risks can happen during the transport ant the carrier can be liable for damage to the transported goods, therefor the transport insurance provides cover for companies that transport goods.

Bicycle

A bicycle insurance covers theft of your bicycle or damage to your bicycle. Just like a car insurance you can choose between different options.

Professional liability

This insurance covers damage to third parties that have been caused by your professional activities.            

Objective liability

An objective liability insurance is required by law when you own a publicly accessible place.

A regular fire insurance is not enough.  The term objective liability means that a victim of a fire or explosion doesn’t have to prove it. Even if you didn’t commit an error you need to pay a compensation to the damage suffer. An objective liability insurance in case of fire or explosion is required for: retailers, restaurants, cafés, office buildings, hotels, motels and youth hostels.

Fire and related risks

This insurance covers the damage to your house (building and contents) due to: fire, water damage, tempest- and hail damage, broken glass and natural disasters.

It’s also possible to insure against theft within an optional guarantee.

All risk electronics

Electronics equipment can be very important for your company. The insurance all risks electronics covers the material damage that happens suddenly to all kinds of electronics equipment (laptops, cameras, music instruments, etc…).

 Business interruption

This  insurance is a type of insurance that covers the loss of income that a business suffers after a disaster.

Machinery breakdown

A damaged machine can cause major financial problems for a company. This insurance covers the financial consequences of the need for repair or replacement of damaged machinery.

Motor vehicles

This insurance covers the damage you cause to a third party and as a result of a car accident in fault. It’s also possible to insure your car for damage due to: fire, theft, breakage of glass, natural disasters, hitting an animal, vandalism and your own accidental damage

Travel insurance (assistance, medical costs, luggage and cancellation)

This insurance covers property damage like your luggage or personal damage such as illness or accidents you have on your holiday or during your trip. You can choose between different travel insurances formulas. 

Business travel insurance

Business trips are not without risks so the business travel insurance covers you when you get sick, a meeting is cancelled last minute, delayed flights, legal assistance, medical costs, loss of your luggage etc.