The advantages of fire insurance legal protection
Fire insurance legal protection offers numerous advantages. Discover them here.
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INSURANCE
Legal protection for your home
The home insurance legal protection is an optional guarantee of the Top Home Fire Insurance policy from AG, managed by Providis, a specialised entity, and distributed by BNP Paribas Fortis. This is a one-year contract that renews tacitly for the same period, unless terminated at least three months before the main deadline.
For contracts taken out or renewed tacitly from 1 October 2024, the termination period is shortened to two months before the main deadline. From the second year of insurance onwards, you can terminate the contract at any time. Termination will take effect two months after the registered letter, notification, or receipt is sent.
Assert your rights
Do you want additional protection if your home or its contents are damaged by a third party? And you don't want to suffer financial loss due to a dispute?
- In the event of a claim, you will be supported by specialists who will defend your rights in the event of civil proceedings against a third party.
- You can count on the handling of your criminal defence following a dispute related to your home.
- An amicable settlement is always the preferred solution, as this procedure is effective, less lengthy, and yields conclusive results.
Even outside of a claim, you can contact these specialists to obtain general information, hear about your rights, and the possible steps to take in case of a dispute.
Benefit from discounts on your Top Home insurance
For every new Top Home insurance subscription until 30 June 2025, you can benefit from cumulative discounts, except for "Fully Insured Client" with "Welcome Gift".
Fully Insured Client – 10%
Benefit from a 10% discount throughout the duration of your new contract¹, if you, or your spouse or legal or de facto cohabitant, also have at least one active contract with BNP Paribas Fortis in one of the following AG insurances:
- a civil liability insurance RC Auto or Top Familiale
- Top Bike, a product that provides assistance and insurance against material damage, theft, and accidents
- Providis Global Legal Protection
- or Top Accidents
Welcome gift – 10%
Benefit from a 10% discount for the first year of your new contract, if you do not meet the "Fully Insured Client" conditions¹.
EcoBonus – 10%
To encourage the improvement of your home's energy performance, you benefit from a 10% discount for the entire duration of your new contract if the insured property is equipped with:
- solar panels
- a heat pump
- a domestic wind turbine
or if it has an energy certificate (PEB, EPC, EPB: A+, A or B in Wallonia and Flanders, and A, B or C in Brussels)¹.
¹ This discount is valid for new contracts and changes to existing contracts following a risk change (risk situation, policyholder’s status, building type, etc.). These contracts must relate to a single-family home, a furnished apartment, or an apartment building.
The discount applies to all guarantees subscribed, except for the guarantee related to natural disasters for homes in high flood risk areas (tariff "Tariff Office").
Specialised managers
Our experts are specialised managers who have a thorough understanding of the regulatory environment and stay up to date with changes in laws and procedures. On your behalf, they will devote the necessary time to preparing and executing your legal claim.
Handling of fees and expenses
The fees and expenses of experts or lawyers are covered, whether the procedure is amicable or judicial.
Reimbursement of fees up to €75,000
In the event of a legal procedure, fees are reimbursed up to €75,000.
Advance of €20,000
As soon as the responsibilities have been determined and the third party's liability is uncontested, an advance of €20,000 is paid.
The scope of your coverage
Fire insurance legal protection covers:
a dispute related to a claim caused by a third party to your home or its contents and not covered by the Top Home Fire Insurance policy
judicial actions you wish to take against the responsible third party: fees and expenses related to expert opinions and investigations, lawyers, and judicial procedures
an indemnity when the responsible third party is insolvent. An advance on the franchise amount when you do not receive it from the responsible third party.
Fire insurance legal protection does not cover:
the guarantees of fire insurance legal protection are not applicable when the amount of the action exceeds the franchise amount foreseen in this contract
recovery to be made against persons living under the same roof as the policyholder
recovery due to insufficient insured amounts for the other coverages of your Top Home Fire insurance policy
Discover the complete list of covered and non-covered risks
-
The above list of covered and non-covered risks is not exhaustive. The exact extent of the coverage can be found in the general conditions and pre-contractual information. To discover the main characteristics of this insurance, you can consult the information document. You can obtain these documents free of charge at the bottom of the page, in an agency, or via the Easy Banking Centre at 02 433 41 30.
Learn more
The following documents provide additional information about Top Home Fire Insurance
Not satisfied?
If you have a complaint, you can address it to BNP Paribas Fortis SA, Complaint Management Service JQABD, Montagne du Parc 3, 1000 Brussels, tel. 02 228 72 18, gestiondesplaintes@bnpparibasfortis.com ou via www.bnpparibasfortis.be Suggestions or complaints > online declaration form.
If the proposed solution does not satisfy you, you can address your complaint by mail to the Insurance Ombudsman Service, Square de Meeûs 35, 1000 Brussels, BCE: 884.072.054, tel.: 02 547 58 71, info@ombudsman-insurance.be - www.ombudsman-insurance.be.
Privacy protection
The personal data communicated by the policyholder is processed by AG SA.
Do your personalised simulation
Calculate the premium of your fire insurance legal protection and subscribe in 3 steps
1
Calculate your premium
After identifying yourself, calculate, with no obligations, the price of your fire insurance.
2
Make your request
Finalise your contract with the help of an advisor (available in an agency and by phone) or directly online.
3
Sign your contract
Sign your contract in an agency or via Easy Banking Web.
Read the information until the end of the page beforeSimulating and requesting
Discover our other insurances
-
Global Legal Protection
Benefit from legal assistance in case of a dispute with Providis Global Legal Protection insurance
-
Family Insurance
A civil liability insurance that covers you and your entire family against material or bodily harm caused to a third party.
-
Homiris Alarm System
Protect your home and loved ones against burglary and fire risks with the Homiris alarm system.
Legal information
AG Insurance (abbreviated as AG) SA – Bd E. Jacqmain 53, B-1000 Bruxelles - www.aginsurance.be - info@aginsurance.be - RPM Brussels – VAT BE 0404.494.849 - Insurance company approved under code number 0079, under the control 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 commissions, for AG Insurance SA. BNP Paribas Fortis SA holds a stake of more than 10% in AG Insurance SA.
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