The home insurance legal protection is an optional guarantee of the Top Home Fire Insurance policy from AG, managed by Providis, a specialised entity, and distributed by BNP Paribas Fortis. This is a one-year contract that renews tacitly for the same period, unless terminated at least three months before the main deadline.
For contracts taken out or renewed tacitly from 1 October 2024, the termination period is shortened to two months before the main deadline. From the second year of insurance onwards, you can terminate the contract at any time. Termination will take effect two months after the registered letter, notification, or receipt is sent.
Do you want additional protection if your home or its contents are damaged by a third party? And you don't want to suffer financial loss due to a dispute?
Even outside of a claim, you can contact these specialists to obtain general information, hear about your rights, and the possible steps to take in case of a dispute.
You can combine different discounts until 31 December 2026 for each new Top Habitation fire insurance contract- only 'Total Customer Insurance’ and 'Welcome Gift' cannot be combined.
Take advantage of a 10% discount¹ throughout the term of your contract – provided it remains unchanged². You will receive the discount if you, your spouse or your legal or de facto cohabitant also have at least one active contract with BNP Paribas Fortis for one of the following AG insurance policies:
You will receive a 10% discount on the first annual premium of your new contract if you do not meet the requirements for the 'Total Customer Insurance'² discount.
You get a 5% discount¹ for the entire term of your new contract – provided the contract remains unchanged² – if you have invested (or invest within 12 months) in energy-efficiency upgrades for your home, such as solar panels, a heat pump and/or a wind turbine for private use. This discount also applies if you have a home with an EPB score of A+, An or B in Flanders and Wallonia, or A, B or C in Brussels³.
Do you need a new PEB/EPC certificate, an asbestos certificate or an electrical inspection for your home? Count on SoSimply.
1 This discount is not applied when you create an offer online via “Simulate and request”. Call the Easy Banking Centre on +32 2 433 41 30 or make an appointment to have the discount applied.
2 This discount is valid for new contracts and existing contracts for which you have the risk modified (risk location, policyholder status, type of building, etc.), covering a detached house, a (furnished) apartment or an apartment building, for the entire term of your new contract - provided the contract remains unchanged.
The discount applies to all policies taken out, except for the Natural Disasters policy for homes located in areas at significant risk of flooding (tariffs set by the “Tariff Bureau”).
3 This discount may only be granted if at least one of the following conditions is met at the time the contract is signed or within 12 months:
Fire insurance legal protection offers numerous advantages. Discover them here.
Our experts are specialised managers who have a thorough understanding of the regulatory environment and stay up to date with changes in laws and procedures. On your behalf, they will devote the necessary time to preparing and executing your legal claim.
The fees and expenses of experts or lawyers are covered, whether the procedure is amicable or judicial.
In the event of a legal procedure, fees are reimbursed up to €75,000.
As soon as the responsibilities have been determined and the third party's liability is uncontested, an advance of €20,000 is paid.
a dispute related to a claim caused by a third party to your home or its contents and not covered by the Top Home Fire Insurance policy
judicial actions you wish to take against the responsible third party: fees and expenses related to expert opinions and investigations, lawyers, and judicial procedures
an indemnity when the responsible third party is insolvent. An advance on the franchise amount when you do not receive it from the responsible third party.
the guarantees of fire insurance legal protection are not applicable when the amount of the action exceeds the franchise amount foreseen in this contract
recovery to be made against persons living under the same roof as the policyholder
recovery due to insufficient insured amounts for the other coverages of your Top Home Fire insurance policy
The following documents provide additional information about Top Home Fire Insurance
If you have a complaint, you can address it to BNP Paribas Fortis SA, Complaint Management Service JQABD, Montagne du Parc 3, 1000 Brussels, tel. 02 228 72 18, gestiondesplaintes@bnpparibasfortis.com ou via www.bnpparibasfortis.be Suggestions or complaints > online declaration form.
If the proposed solution does not satisfy you, you can address your complaint by mail to the Insurance Ombudsman Service, Square de Meeûs 35, 1000 Brussels, BCE: 884.072.054, tel.: 02 547 58 71, info@ombudsman-insurance.be - www.ombudsman-insurance.be.
The personal data communicated by the policyholder is processed by AG SA.
After identifying yourself, calculate, with no obligations, the price of your fire insurance.
Finalise your contract with the help of an advisor (available in an agency and by phone) or directly online.
Sign your contract in an agency or via Easy Banking Web.
Read the information until the end of the page before
Benefit from legal assistance in case of a dispute with Providis Global Legal Protection insurance
Our family liability insurance provides global protection for you, your family, and your pets, covering accidental damage to third parties anywhere in the world.
Protect your home and loved ones against burglary and fire risks with the Homiris alarm system.
AG Insurance (abbreviated as AG) SA – Bd E. Jacqmain 53, B-1000 Bruxelles - www.aginsurance.be - info@aginsurance.be - RPM Brussels – VAT BE 0404.494.849 - Insurance company approved under code number 0079, under the control of the National Bank of Belgium, Bd de Berlaimont 14, 1000 Brussels.
Intermediary: BNP Paribas Fortis SA – Montagne du Parc 3, B-1000 Brussels – RPM Brussels – VAT BE 0403.199.702, is registered under this number with the FSMA, Rue du Congrès 12-14, 1000 Brussels, and acts as a tied insurance agent, remunerated by commissions, for AG Insurance SA. BNP Paribas Fortis SA holds a stake of more than 10% in AG Insurance SA.
