Get a 10% discount for the full duration of your new policy ¹, if you, your spouse or cohabiting partner has at least one of the following AG insurance policies active with BNP Paribas Fortis:

• Third-party motor insurance or Top Familiale liability insurance
• Top Vélo, which provides assistance and insurance against material damage, theft and accidents for your bicycle
• Providis comprehensive legal expenses cover
• or Top Accidents insurance

Benefit from a 10% discount during the first year of your policy if you don’t meet the criteria for the loyalty discount¹.

To encourage you to improve your home’s energy performance, you can get a 10% discount for the entire duration of your new policy if the insured property is equipped with:

• solar panels,
• a heat pump,
• a domestic wind turbine

or if it has a green energy certificate (PEB, EPC, EPB: A+, A, or B in Wallonia and Flanders, and A, B, or C in Brussels)¹.

When you take out Top Habitation fire insurance, AG applies the principle that everything is covered unless specifically excluded.

Read the following documents before signing your policy.

• General Terms and Conditions Top Home
• Information document
• Pre-contractual information
• Commercial document

Complaints can be made to BNP Paribas Fortis SA, Complaints Department (JQABD), Montagne du Parc 3, 1000 Brussels (tel. 02 228 72 18, e-mail to 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 – Tel: 02 547 58 71– www.ombudsman-insurance.be.

The personal data provided by the policyholder is processed by AG SA.

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If your lease contains a "no recourse" clause, your landlord will be compensated for all insured damage to the rented property, including damage for which you are responsible. This clause means that the landlord's insurer cannot take any action against you.

The Tenant Pack is the ideal complement to your Top Habitation insurance. You can get assistance from a professional 24/7 to resolve urgent problems in your rented property, up to three times a year. You can also obtain legal assistance and advice to settle a dispute out of court, or get compensation for legal fees, although note that the latter type of cover does not apply in the event of unpaid rent or charges.

Our specialists are available day and night. One phone call and we immediately take the most urgent measures needed, organise emergency action, provide rapid assistance and possibly arrange for you to return early if you’re away. Has your home become uninhabitable? If so, we monitor the property and reimburse your alternative accommodation and childcare costs. You can also obtain an advance on your compensation.

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Torrential rains, heavy hailstorms, violent gusts of wind: climate change is unfortunately leading to more and more natural disasters in Belgium and around the world. And both their frequency and intensity seem to be increasing year after year. How can you protect yourself and your loved ones, as well as your assets, as much as possible? What can you do if you still suffer damage?
Discover our tips

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.