The benefits of Providis comprehensive legal expenses cover
Providis comprehensive legal expenses cover has many benefits. Here are a few.
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Daily banking
Bank accounts
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Save and invest
Invest
Save and invest with a goal
Our investment solutions
Our advice
Did you know?
Financing a property
Finance a vehicle
Fund a project
Our advice
Borrowing money also costs money
Borrowing money also costs money
- Discover the personal instalment loan to also finance higher education
Family protection
Home protection
Mobility protection
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By your side
Specific approach
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INSURANCE
Providis comprehensive legal expenses cover from AG
Providis comprehensive legal expenses cover is a Belgian-law legal expenses insurance from AG, managed by specialist entity Providis and 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.
Comprehensive legal protection
This insurance policy covers areas of law that aren’t included in the legal expenses cover that already forms part of other policies such as fire, family and car insurance, if the option is chosen. This way, you’re sure to have even better protection without having to take out multiple policies!
Benefit from discounts on your Providis comprehensive legal expenses cover
Until 30 June 2025, you can benefit from a discount when taking out a new Providis comprehensive legal expenses insurance policy.
Loyalty discount – 10%
Get a 10% discount for the full duration of your new policy, if you also have:
- an active Top Habitation fire insurance policy with AG;
- and at least one active AG insurance policy: Top Familiale, l’assurance Top Accidents insurance, Third party motor insurance or Top Vélo comprehensive bicycle insurance..
Welcome gift – 10%
Benefit from a 10% discount during the first year of your policy if you don’t meet the criteria for the loyalty discount.
Easier access to justice
Thanks to your Providis specialists, you are
- in good hands during discussions with the opposing party, helping you to reach an out-of-court settlement
- guided throughout the judicial proceedings
- covered for the cost of proceedings and the fees of the lawyer you have chosen
Several possibilities, two formulas
Customise your Classic or Excellence formula according to your needs. As well as cover relating to your home and family, you can also take out options for your vehicles.
By choosing the Excellence formula, sums insured are doubled, and the waiting period and the threshold at which the policy kicks in are halved. You can find all the information in the standard terms and conditions..
Benefit from a tax advantage
Providis comprehensive legal expenses cover is attractive in more ways than one: depending on your tax situation, you may be able to get a tax saving representing 40% of your premium, up to a maximum of 132 euros (2025). It’s a policy that makes justice more accessible to all.
Scope of your cover
What are the main risks covered?
defence in criminal proceedings when the policyholder is prosecuted
civil proceedings if the policy is a victim of damage caused by a third party
contractual disputes
insolvency of third parties
What are the main exclusions?
fees and expenses incurred by the policyholder before requesting the insurer's assistance (except in case of a justified emergency)
fines and surcharges levied by and settlements with the public prosecutor's office
intentionally caused damage
Discover the full list of all risks covered and exclusions
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The exact scope of the cover can be found in the standard terms and conditions de ce produit. To find out the main characteristics of this insurance policy, you can consult the information document. You can also obtain these documents free of charge at a branch or via the Easy Banking Centre (02 433 41 30).
Want to know more?
The following documents provide additional information on Providis comprehensive legal expenses cover.
Any concerns?
Complaints can be made to BNP Paribas Fortis SA, Complaints Department (JQABD), Montagne du Parc 3, 1000 Brussels (tel. 02 228 72 18, gestiondesplaintes@bnpparibasfortis.com or via the online form available on www.bnpparibasfortis.be > Suggestions ou plaintes > 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.
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Legal information
AG Insurance SA/NV – 53 Boulevard Emile Jacqmain, B-1000 Brussels – RPM/RPR Brussels – VAT BE 0404.494.849 - www.aginsurance.be - info@aginsurance.be - RPM Brussels – VAT BE 0404.494.849 - 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 – Montagne du Parc 3, B-1000 Bruxelles – RPM Bruxelles – 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.
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