(*) Co-tenants are adults who share a housing unit (with the same house number and mailbox) of up to five bedrooms and with a maximum of 10 people, which is their main residence.
Top Familiale liability insurance is a Belgian-law insurance policy from AG, distributed by BNP Paribas Fortis. The policy is valid for 1 year, at the end of which it will be renewed by tacit agreement for the same period, except where it is cancelled at least three months before the renewal date.
For a policy taken out or renewed by tacit agreement on or after 1 October 2024, you have until two months before the renewal date to cancel it. In addition, from the second year onwards, you can cancel the policy at any time. Cancellation will take effect at the end of a 2-month period starting the day after notice is given by registered mail or served upon us, or the day after we provide an acknowledgement of receipt.
Family insurance: extensive protection
Discover the many reasons why the Top Familiale personal liability insurance is a good idea.
Everywhere in the world, day and night
You, the members of your household, your co-tenants and your pets are covered everywhere in the world, day and night, and the amounts insured are large.
Also away from home
Your Top Familiale personal liability insurance policy will protect you if you cause accidental damage to places you temporarily occupy, such as a holiday residence, a room used for a private party or a dwelling you occupy occasionally (up to three months) for private or professional reasons.
Cover for visitors
If grandchildren staying with you during the school holidays accidentally cause damage to third parties, your liability will be covered.
Sports and leisure
If you cause damage to third parties while practising a hobby or sport, including the use of a drone (max. 150 kg) or a rented boat for example, you will be covered.
Transport
You’re covered if you cause damage to third parties while travelling using an active travel means of transport, such as a bicycle, electric bicycle with a maximum speed of 25 km/h, scooter or electric scooter with a maximum speed of 45 km/h.
Also for young people
If you’re between 18 and 30 years old, you can get a discount on your premium. And some types of cover provided are particularly suited to your lifestyle (discover them below).
Your dog bites a neighbour.
You ride a bicycle and injure a pedestrian by hitting them.
A passer-by breaks their arm after slipping on a section of pavement that is icy because you failed to clear it.
Damages their own property
Damages someone else's property intentionally
Causes damage in a work context
Causes damage that must be covered by a legally required insurance policy, such as third-party car insurance, unless the damage is also explicitly covered by the Top Familiale personal liability insurance.
To find out the full extent of the cover provided by Top Familiale and its options, refer to the Standard Terms and Conditions, the Information Document and the Pre-Contractual Information relating to them. You can also obtain these documents free of charge at a branch or via the Easy Banking Centre (02 433 41 30).
Read the documents below:
Complaints can be made to BNP Paribas Fortis SA, Complaints Department (JQABD), Montagne du Parc 3, 1000 Brussels (tel. 02 228 72 18, email gestiondesplaintes@bnpparibasfortis.com), or via the online form available on www.bnpparibasfortis.be > Suggestions or complaints > online complaints form.
If you’re not happy with the proposed solution, you can send your complaint by post to the Insurance Ombudsman, Square de Meeûs 35, 1000 Brussels – BCE 884.072.054 – Tel: 02 547 58 71, info@ombudsman-insurance.be - www.ombudsman-insurance.be.
After logging in, you get a no-obligation quote for your family insurance policy.
Finalise your policy with the help of an advisor (available in branch and by phone) or directly online.
Sign your contract in branch or online.
An accident, whether minor or major, can happen at any time and anywhere. If you need to report a claim, one of our experts will always be by your side. They will support you until your claim is resolved.
If you want to customise your Top Familiale personal liability insurance? Your in-branch advisor will be happy to provide you with all the necessary information regarding our packs and options.
Personal legal expenses cover helps you assert your rights, in court if necessary. Cover includes:
The Familiale+ pack is attractive for many reasons:
Are you between 18 and 30 years old? Top Familiale is also for you.
You enjoy lower premiums as well as cover suited to your lifestyle:
INSURANCE
Providis comprehensive legal expenses cover covers you and the members of your household in a wide range of situations and areas of law. It allows you to assert your rights, get assistance in the event of a dispute, and be defended in court.
In the event of a fire, natural disaster, act of vandalism, water damage etc., your Top Habitation policy offers rapid compensation for damage to your home and 24/7 assistance.
The Top Accidents insurance policy compensates for the financial consequences of an accident involving physical injury occurring outside of work, including traffic accidents involving a motorcycle, scooter, car, bicycle etc.
AG Insurance SA/nv (abbreviated to AG) – 53 Boulevard Emile Jacqmain, B-1000 Brussels – RPM/RPR Brussels – VAT BE 0404.494.849 – www.aginsurance.be - info@aginsurance.be. Accredited insurance company licenced under code number 0079, under the supervision of the National Bank of Belgium, 14 Boulevard de Berlaimont, B-1000 Brussels.
Intermediary: BNP Paribas Fortis SA/nv – 3 Montagne du Parc, B-1000 Brussels – RPM/RPR Brussels – VAT BE 0403.199.702, registered with the FSMA, 12-14 Rue du Congrès, B-1000 Brussels, under code number 025879 and acting as a contractually appointed insurance agent on behalf of AG Insurance SA/nv. BNP Paribas Fortis SA/nv holds a stake of more than 10% in AG Insurance SA/nv.
