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INSURANCE

Cash insurance of AG

IN PRACTICE

Protect your day-to-day income

Have the contents of your cash register been stolen? Have you lost cash when it was taken to the bank? Have you been the victim of counterfeit banknote fraud? Cash insurance from AG, an optional add-on to your building and contents fire insurance policy, protects your business income.

YOUR BENEFITS

Extended cover

You get a higher level of compensation if you lose money due to fire, water damage or a natural disaster. You’re also insured against the theft of cash from your commercial premises and home, and while it’s being taken to the bank.

MORE INFORMATION

Always at your service

Do you need customised advice to protect the cash generated by your business? Contact your advisor or call the Easy Banking Centre on 02 433 43 34 for a video call.

Cash insurance is an optional add-on to a building and contents fire insurance policy. It is a Belgian-law 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 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.

Why take out cash insurance?

Every day, you have to handle cash that’s vital for your business. Cash insurance protects it in the event of:

  • theft from your commercial premises or home, or during transportation
  • loss due to fire, flooding or a natural disaster
  • counterfeit banknote fraud

The main benefits of Cash insurance

You benefit from extended cover to protect your day-to-day business income.

No excess

You don’t have to pay an excess if you lose cash due to fire, water damage or a natural disaster.

Tax-deductible premiums

The premiums on your Cash insurance policy – which are based on the number of points of sale you have – are tax-deductible as business expenses.

Protection against theft

Banknotes, coins, cheques and other items of value – the full list of which is provided below – are covered if they’re stolen from your business or home.

Protection during transportation

Your items of value are reimbursed if they’re stolen, damaged, destroyed or lost during transportation to the bank as part of your business.

Protection against counterfeit banknotes

Have you discovered a counterfeit banknote when depositing your money at the bank? If so, you can get compensation, so the fraud will have no impact on your income.

Additional protection

You benefit from a higher level of compensation if you lose money due to fire, water damage or a natural disaster.

Who is covered by this insurance?

Cash insurance only concerns self-employed individuals, professionals, small businesses and associations that receive cash. All branches in Belgium must be insured (up to a maximum of 10).

Your cover in detail

Main risks covered

Protection of your cash and all authorised means of payment in Belgium

  • Banknotes and coins

  • Bank cheques and traveller's cheques

  • Meal vouchers and gift vouchers

  • Mobile phone top-up cards

  • Postage stamps and tax stamps

  • Service vouchers

  • Bonds and shares

  • Commercial bills

Extended protection in the following cases

  • Counterfeit banknote fraud: compensation up to €2,239* per year and per establishment

  • Theft from your insured commercial premises:

    • compensation up to €3,921* per establishment if the theft occurs outside business hours
    • compensation up to €11,204* if the theft occurs during business hours

  • Theft from the private part of your commercial premises or at home: compensation up to €3,921*

  • Theft during transportation including violence or threats: compensation up to €11,204*

  • Theft during transportation:

    • between your business premises, your home or your bank
    • between different delivery points
    • during itinerant activities, e.g. at a market

  • Loss due to fire, water damage or a natural disaster: compensation up to €11,204* if the damage occurs during your business hours

Main exclusions

  • If the loss occurs while items are being carried by post

  • Embezzlement involving forgery or false accounting, along with calculation errors

  • If items of value are left unattended in a vehicle or left unsupervised or unprotected in one of your premises or in a public place

The following businesses are excluded

  • Shops open at night, insurance brokers, business specialising in transporting items of value, bookshops, betting shops and bookmakers

Discover the complete 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 and the pre-contractual information. To find out the main characteristics of this insurance, you can consult the information document at the bottom of this page. To receive a customised quote, please contact your advisor in-branch or at the Easy Banking Centre (02 433 43 34).

* Amounts according to ABEX 744

Find out more

The following documents will give you more information about Cash insurance:

 

Any concerns?

If you have any questions, you can first contact your advisor 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 (tel. 02 228 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 – BCE 884.072.054 –, by phone 02 547 58 71– via mail info@aginsurance.be, or via the site www.ombudsman-insurance.be.

Make a claim

If you need urgent assistance or want to make a claim, our team is here to help!

Contact us

Contact your advisor, or call the Easy Banking Centre for a video call.Call us on 02 433 43 34

Get extra cover

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

  • Theft

    If you’ve had things like materials, furniture and merchandise stolen from you and the loss is significant, you’ll be covered with this theft add-on. 

    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

  • Financial protection

    Is a problem in your office or commercial premises preventing you from working, and is this affecting your income? This add-on compensates you for the shortfall.

    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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