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INSURANCE

Theft add-on for your building and contents insurance

IN PRACTICE

Theft and vandalism

With this optional add-on to your fire insurance policy, you can protect the contents of your business premises – office, shop, workshop etc. – and your goods against theft and vandalism.

BENEFITS

Extended cover

The protection is very broad: you’re covered for all types of break-ins, free replacement of your locks if keys are stolen, and theft involving violence outside your buildings is also covered. 

MAKE AN APPOINTMENT

Always ready to listen

Do you need tailored advice to protect your business against theft? Contact your advisor or call the Easy Banking Centre on 02 433 43 34 to schedule a video call.

Theft cover is an optional add-on to the Belgian-law building and contents fire insurance policy from AG SA, distributed by BNP Paribas Fortis SA. This optional cover is taken out for the same term as the main building and contents fire insurance policy.
The main building and contents fire insurance policy is valid for one 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. 

Compensation in the event of theft

Equipment, furniture, goods... If there’s a break-in at your office, shop – or even your home if you use it for business purposes – this optional add-on to your business building and contents insurance policy allows you to get compensation for what’s been stolen from you. And the damage caused to your contents during the break-in is also covered, including acts of vandalism.

Get better protection for your business against theft

By taking out this cover, you get protection against theft in a variety of situations.

For all break-ins

There’s no need to worry about the type of break-in: theft and damage are covered, regardless of how the burglars got in.

Outside your premises

If your business’s items of value – cash, cheques etc. – are stolen with violence or threats, that’s also covered, even if it takes place outside your premises.

Keys stolen = locks replaced

Have the keys or door remote controls to your business premises been stolen? They will be replaced free of charge to avoid the risk of a future break-in!

Reduced premiums with an approved alarm

Have you secured your building by installing an approved alarm system (INCERT- or BOSEC-accredited with a maintenance contract)? If so, your premiums will be lower.

Your cover in detail

Risks covered and exclusions

The optional theft add-on covers:

  • the disappearance of insured contents due to theft in the insured premises

  • damage to insured contents due to theft, attempted theft, vandalism or malicious acts committed under the terms defined for this cover. The cost of replacing the locks of your business premises’ external doors is also covered in if keys or remote controls are stolen.

The optional theft add-on does not cover:

  • situations where preventive measures specified in the building and contents fire insurance policies have not been taken, for example the closure of external doors in the event of absence

  • cases where the theft is committed by the policyholder or with their complicity

Discover the full list of all risks covered and exclusions

  • The above list of risks covered and exclusions is not exhaustive. The exact scope of the cover provided can be found in the standard terms and conditions. To obtain a quote, you can contact your advisor or call the Easy Banking Centre on 02 433 43 34.

Want to know more?

Read the standard terms and conditions before signing your policy.

Any concerns?

If you have any questions, you can contact your advisor in the first instance or consult Article 21 of the standard banking terms and conditions.

Complaints can be made to BNP Paribas Fortis SA, Complaints Department (JQABD), Montagne du Parc 3, 1000 Brussels (Tél. +32 2 228 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, Tel: 02 547 58 71– Fax: 02 547 59 75 – www.ombudsman-insurance.be -  info@ombudsman-insurance.be

Make a claim

If you need urgent assistance at any time, 24/7, or want to make a claim, our team is here to help!

Contact our team
Contact your advisor or call the Easy Banking Centre to schedule a video call.Call us on 02 433 43 34

Get extra cover

Do you need even more comprehensive protection? Simply add one of the following to your building and contents fire insurance policy.

  • Financial protection

    Has there been an incident in your office or store that’s stopping you from working, and is this affecting your income? This optional add-on allows you to compensate for the loss of earnings.

    Find out more

  • Legal expenses

    Have your commercial premises suffered damage due to a problem at one of your neighbours? Legal expenses cover helps you obtain the compensation you’re entitled to.

    Find out more

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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