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INSURANCE
Insurance for property owners’ associations
The Mini Building+ pack is a supplement to the Top Habitation fire insurance policy and the Building+ pack is a supplement to the Top Habitation or Top Bureau fire insurance policy.
Top Habitation is a Belgium-law fire insurance policy for buildings and contents from AG SA, distributed by BNP Paribas Fortis SA.
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.
Your POA, our expertise
Ensure that the building for which the association is responsible is protected as effectively as possible by supplementing your AG Top Habitation fire insurance policy with:
- the Mini Building+ pack
- the Building+ pack*
These supplementary cover packs cover both the building and co-owned properties.
What your cover includes
The main risks covered are:
Compensation for loss adjustment fees incurred by the POA or the co-owners: 10% of the fees up to a maximum of €2,500 (non-index-linked)
Damage and theft insurance for common property up to €8,729 (ABEX 1032)
Extended cover for the building: damage caused by graffiti on the façade up to €8,729 (ABEX 1032) and damage to the common staircase wall, for example after a resident has moved out
Compensation in the event the building is inaccessible. The packs cover any accommodation costs for tenants and residents for as long as the building is inaccessible
24/7 assistance for common areas, for example, to unlock a garage door or unblock a drain. AG's assistance department will put you in touch with a suitable tradesperson. Call-out costs, labour and materials for temporary repairs are also reimbursed up to €400 (including €150 maximum for materials). With no excess and up to 3 times per year
The Building+ pack also protects you against damage to aerials, solar panels and signs, which are excluded from some basic Top Habitation insurance policies. Cover is subject to restrictions, reimbursement limits, exemptions and exclusions.
The main risks not covered by the (Mini) Building+ pack are:
(Mini) Building Assist: problems with lifts or maintenance work
Damage to outdoor items intended to remain outside and for which the co-owner has not taken out contents insurance with AG
Expenses incurred by the POA or co-owners are not eligible if they involve repairs performed themselves and where compensation is paid on the basis of Belgian Natural Disaster Pricing Office insurance and insurance covering building liability, appraisal fees, the right of recovery of third parties and tenants etc.
Discover the complete list of risks covered and exclusions
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The above list of risks covered and exclusions is not exhaustive. The exact scope of the cover can be found in the standard terms and conditions and pre-contractual information. To discover the main features of this insurance, please consult the information document. You can obtain it free of charge at the bottom of the page, at a branch or via the Easy Banking Centre: 02 433 41 30.
Learn more
The following documents provide additional information about the Top Habitation fire insurance policy:
Any concerns?
If you have any questions, in the first instance you can 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, Montagne du Parc 3, 1000 Brussels, or to AG SA, Complaints Department, bd É. Jacqmain 53, 1000 Brussels, by phone on 02 664 02 00 or by sending an email to customercomplaints@aginsurance.be.
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, info@ombudsman-insurance.be - www.ombudsman-insurance.be.
Always by your side
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Fire insurance for individuals
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Fire insurance for businesses
Our building and contents insurance policies and their optional add-ons protect you and your business from the consequences of a disaster.
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Our services for POAs
We offer a variety of tailored solutions for property owners’ associations, including a full range of tools for your day-to-day banking and investment loans that help you finance your renovation projects.
Legal information
AG SA, bd É. Jacqmain 53, 1000 Brussels – RPM Brussels – VAT BE 0404.494.849 – www.aginsurance.be – Belgian insurance company approved under code 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, 1000 Brussels – RPM Brussels – VAT BE 0403.199.702 – is subject to prudential supervision by the European Central Bank and the National Bank of Belgium as a Belgian credit institution. BNP Paribas Fortis SA is registered under the aforementioned enterprise number with the FSMA, rue du Congrès 12-14, 1000 Brussels, and acts as a tied insurance agent, remunerated by commission, for AG SA. BNP Paribas Fortis SA holds a stake of more than 10% in AG SA.
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