Comprehensive electronic insurance
This add-on to your fire insurance policy guarantees the continuity of your business in the event of damage to your electronic equipment.
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INSURANCE
Top Electronique electronic equipment insurance from AG
Top Electronique is an electronic equipment insurance policy. It is a Belgian-law insurance contract from AG SA, distributed by BNP Paribas Fortis SA.
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.
Contracts with a duration of less than one year end on the contractually agreed date, and are not renewed by tacit agreement.
Protect all your electronic equipment
Top Electronique protects all your fixed and portable electronic devices, as well as your data and software.
- In the event of a claim, no depreciation is deducted for the first 2 to 5 years.
- All temporary relocation costs in the event of a claim are also reimbursed.
- Damage is covered in the event of accident or theft, and during transportation.
Extended protection
Top Electronique offers comprehensive protection for all your electronic equipment, whether owned or leased, fixed or portable, new or old.
Cover in a wide variety of situations
You are covered in many situations, whether the damage is caused by theft or a minor mishap. You benefit from optimal protection that goes beyond that provided by your fire insurance.
Two contracts, one excess
Top Electronique complements your AG fire insurance policy. If a fire affects your business, you only pay one excess of €250 instead of two for any damage to your building, stock, furniture or electronic equipment.
Customised options
You can protect yourself even more with a reduced excess, help with recovering your data and cover for the additional cost of temporary personnel or replacement equipment.
Worldwide protection
Your equipment is protected worldwide, with a reduced premium if protection is limited to the Benelux region. Fixed equipment is also insured outside your buildings, for example during repair, inspection or transportation.
Limited disruption
After damage has occurred, you can quickly restore your data and reinstall your software. This limits the impact on your customer service and revenue.
Scope of your protection
Main risks covered
Damage caused by fire, explosion, implosion and the consequences of such incidents
Damage caused directly by lightning to the insured equipment or the buildings where the equipment is located
Damage caused by specific kinds of theft, i.e. theft with one or more aggravating circumstances such as the use of violence or weapons, or a night-time break-in
Damage to the internal components of the insured equipment resulting from an external cause (if the cause is internal, the damage is insured provided that the cause is mechanical or electrical)
Certain additional costs, including those related to services provided outside normal working hours, costs of technicians from outside the European Union and costs related to the expedited transportation of equipment and spare parts (up to 50% of the insured amount, with a maximum of €7,500 per claim)
Cleaning and decontamination costs for damaged equipment (up to 10% of the insured amount, with a maximum of €50,000 per claim)
Main exclusions
Aesthetic damage that does not prevent your equipment from functioning correctly
Damage caused by wear and tear or gradual or persistent deterioration (corrosion, dust etc.)
Damage due to theft without any sign of a break-in, violence or threats
Discover the complete list of risks covered and exclusions
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The above list is not exhaustive. The exact scope of the cover can be found in the standard terms and conditions. To obtain a quote, please contact your advisor or call the Easy Banking Centre on 02 433 43 34.
Want to know more?
Before signing your policy, please read the following documents:
Not satisfied?
Complaints can be made to BNP Paribas Fortis SA, Complaints Department JQABD, Montagne du Parc 3, 1000 Brussels, tel. 02 228 72 18, complaints.management@bnpparibasfortis.com or via www.bnpparibasfortis.be > suggestions or complaints > online 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.
What should you do if you want to make a claim?
Your advisor will inform you of the emergency measures you should take to avoid further damage.
Have you been a victim of theft or attempted theft? File a report with the police and notify your advisor within 24 hours, mentioning the police report number.
Tip: gather as much evidence as possible and hand it over to the loss adjuster. If necessary, block your debit and credit cards.
To discuss these insurance products, contact your advisor or call the Easy Banking
CentreCall us on 02 433 43 34
Supplement your cover
Want even more comprehensive protection? Supplement your cover with optional add-ons.
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Protect your income
If a business problem means you can’t work as you normally do, this optional income protection insurance compensates you for lost income.
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Theft or break-in option
Has your business suffered a burglary or break-in? This optional add-on to your business building and contents policy covers both damage and stolen items.
Learn more -
Legal expenses cover
Have your business assets been damaged, and do you want compensation? This insurance helps you protect your interests.
Learn more -
Cash insurance
Has cash been stolen or lost from your business? This optional add-on to your building and contents policy protects your cash flow.
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. 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.
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