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INSURANCE

Top Machines breakdown insurance

IN PRACTICE

Protect your machinery

Without machinery, your business comes to a standstill and you can’t fulfil your obligations to your clients. Top Machines provides extended cover that ensures you can resume your activities quickly, including after a machinery breakdown.

YOUR BENEFITS

Comprehensive coverage

Supplement your fire insurance policy with Top Machines and insure all of your machinery with a single policy. Whether the machines are fixed or mobile, new or old, or inside or outside your building.

MORE INFORMATION

Get a quote

Need tailored advice to protect your machinery, including against breakdowns? Contact your personal advisor or call the Easy Banking Centre on 02 433 43 34 to arrange a video call.

Top Machines is a Belgian-law machinery breakdown 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.

Contracts with a duration of less than one year end on the contractually agreed date, and are not renewed by tacit agreement.

Get back up and running quickly

With Top Machines, you can insure all of your machinery, inside and outside your building and during transportation, against:

  • Theft
  • Internal risks
  • Carelessness by an employee or third party

With coverage of rental costs up to €250 per day for seven days and a two-day waiting period, you can rent another machine temporarily to keep your business running. If that cover is insufficient for your needs, you can increase the daily amount and extend the period.

Comprehensive machinery breakdown insurance

With this add-on to your fire insurance policy, you can ensure the continuity of your business, especially in the event of machinery breakdown.

Extended protection

All of your machinery – whether fixed or mobile, owned or leased, new or old, inside or outside your building – are insured with Top Machines.

Covered against various risks

Even if you don't know the exact cause of the damage, you're insured. Exclusions are few and are based on common sense.

Two policies, one excess

Top Machines supplements your AG fire insurance policy. If a fire affects your business, you only pay one excess for your building, inventory, equipment and machinery.

Coverage of additional expenses

The costs you incur while waiting for your machine to be repaired or a new one to be delivered are covered, up to €25,000 per claim.

Customised options

You can extend your basic coverage for additional expenses, increasing it to up to €25,000 per claim, or increase cover for rental costs beyond the €250 per day included as standard.

Anywhere, any time

Your machinery is insured in Belgium and up to 150 km beyond the border, including during transportation and on construction sites.

What your cover includes

The main risks covered are

  • Damage caused by carelessness and/or inexperience of the policyholder's personnel or third parties

  • Damage to machines resulting from an internal cause due to the presence of defective or unsuitable material, a construction or assembly error, overheating, or an accidental lack of water or lubrication

  • Damage to machines caused by external factors such as water, smoke, fire, collision, intrusion of a foreign substance, theft, labour dispute or natural disaster

  • Certain additional expenses, up to 100% of the insured amount (maximum €25,000 per claim). This includes demolition costs necessary for the repair or replacement of damaged machines, and the cost of clearing or draining damaged machines

  • Rental costs for a replacement machine identical or equivalent to the damaged one, up to €250 per day, for seven days, after a two-day waiting period

Main exclusions

  • Damage caused by abnormal use of the machine, contrary to the instructions in the user manual

  • Damage caused by the premature use or restart of a damaged machine before it is fully repaired or functioning normally

  • Cosmetic damage that doesn’t affect the machine's operation

Discover the complete list of risks covered and exclusions

  • 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:

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, 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.

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.

  • 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.

    Learn more

  • Theft or break-in option

    Has your business suffered a burglary or break-in? This optional add-on 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 protects your cash flow.

    Learn more

Informations légales

AG Insurance SA – Bd E. Jacqmain 53, B-1000 Brussels - www.aginsurance.be - info@aginsurance.be - RPM Brussels – VAT BE 0404.494.849 - Insurance company approved under code 0079, under the supervision 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 commission, for AG Insurance SA. BNP Paribas Fortis SA holds a stake of over 10% in AG Insurance SA.

 

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