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INSURANCE

Goods and equipment Insurance

IN PRACTICE

Goods and equipment

This insurance policy protects everything you transport for your business: goods, raw materials, inventory and equipment (machinery, tools and work instruments).

YOUR BENEFITS

Protection on the move

With goods and equipment insurance, the contents you transport are protected against damage, loss of value and theft. Both on the road and during loading and unloading.

MORE INFORMATION

Request a quote

If you’re self-employed or a business owner, talk to your insurance advisor about goods and equipment insurance, or call the Easy Banking Centre on 02 433 43 34 to schedule a video call.

Goods and equipment insurance is a Belgian-law supplementary property/casualty insurance policy from AG Insurance SA, distributed by BNP Paribas Fortis SA. It is taken out jointly with a motor vehicle liability 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.

Standard or customised solution?

Goods and equipment pack

Goods and equipment policy
  • For vans under 3.5 tonnes
  • Includes goods, equipment and theft cover
  • Fixed insured sum
  • Automatic coverage in Belgium, Luxembourg, the Netherlands, France, Germany and the UK

If you’d like to take out a goods and equipment pack, you’ll first need to take out a mandatory motor vehicle liability insurance policy.
  • For private cars, trucks or vans under 3.5 tonnes
  • Includes goods, equipment and theft cover
  • Customised, and therefore variable, insured sum 
  • Cover adjusted according to the desired region

If you’d like to take out a goods and equipment pack, you’ll first need to take out a mandatory motor vehicle liability insurance policy.

Your customised goods and equipment insurance

Choose for the protection that suits your region and business.

Goods cover

Protect your raw materials, items in production, inventories and finished goods against loss of value and damage, including cover for preservation and removal costs.

Equipment cover

Protect your equipment – machinery, tools and work instruments – along with any business contents you transport and everything you own against damage and loss of value.

Theft cover

Choose additional protection with the theft option. This covers your goods and equipment 24/7 in the event of theft, except during loading and unloading.

Geographical zone: you choose

You’re insured in the Benelux region and up to 150 km beyond the Belgian border. You can then extend your coverage to other European countries depending on your business sector.

The extent of your cover

Main risks covered

  • damage to equipment and goods, including packaging and labels

  • damage and loss of value during the entire journey, including loading and unloading

  • theft or attempted theft involving a proven break-in with optional theft cover

Main exclusions

  • damage caused by the transport of goods

  • damage caused by pests, rodents or mites

  • theft of goods and equipment visible from the outside of the vehicle or trailer with the optional theft cover

Discover the complete list of risks covered and exclusions

  • The above list is not exhaustive. The exact scope of the cover provided can be found in the standard terms and conditions. To find out the main characteristics of this insurance, you can consult the information document. All these documents are available free of charge in your branch. To receive a quote, contact your advisor or call the Easy Banking Centre on 02 433 43 34.

More information

Read the following documents before signing your goods and equipment insurance policy.

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, 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 – info@ombudsman-insurance.be - www.ombudsman-insurance.be.

Make a claim

Do you want to make a claim or do you need roadside assistance or urgent assistance after an accident?

Contact us

PROTECTION FOR GOODS AND EQUIPMENT IN TRANSIT

Your goods and equipment insurance in three steps

1

Is the cover right for you?

Check if your goods and equipment are covered.

2

Contact us

Request more information about goods and equipment insurance from your advisor.

3

Request a quote

Get a quote tailored to your business.

Contact your advisor or call the Easy Banking Centre to schedule a video callCall us on 02 433 43 34

Also of interest

  • Third-party company vehicle insurance from AG

    Third-party insurance for your company car, van and truck covers damage caused to third parties in the event of an accident. Your passengers or colleagues are also protected.

    More information

  • Top omnium

    If you’re involved in an accident in which you’re at fault or that was caused by an unknown party, with our semi- or fully-comprehensive insurance you’re covered for material damage.

    More information

  • Camionnette+ Pack

    This is an add-on to your comprehensive policy, covering damage to headlights and mirrors and damage caused by the transportation of goods.

    More information

  • Legal expenses

    If a repair proves defective or if a third party causes harm but doesn’t cover the cost, Providis manages these disputes for you. You get legal advice and the costs of legal proceedings are covered.

    More information

Legal information

AG Insurance SA/nv – 53 Boulevard Emile Jacqmain, B-1000 Brussels – RPM/RPR Brussels – VAT BE 0404.494.849 – info@aginsurance.be  www.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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