Get better protection for your business against theft
By taking out this cover, you get protection against theft in a variety of situations.
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INSURANCE
Theft add-on for your building and contents insurance
Theft cover is an optional add-on to the Belgian-law building and contents fire 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 main building and contents fire insurance policy is valid for one 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.
Compensation in the event of theft
Equipment, furniture, goods... If there’s a break-in at your office, shop – or even your home if you use it for business purposes – this optional add-on to your business building and contents insurance policy allows you to get compensation for what’s been stolen from you. And the damage caused to your contents during the break-in is also covered, including acts of vandalism.
For all break-ins
There’s no need to worry about the type of break-in: theft and damage are covered, regardless of how the burglars got in.
Outside your premises
If your business’s items of value – cash, cheques etc. – are stolen with violence or threats, that’s also covered, even if it takes place outside your premises.
Keys stolen = locks replaced
Have the keys or door remote controls to your business premises been stolen? They will be replaced free of charge to avoid the risk of a future break-in!
Reduced premiums with an approved alarm
Have you secured your building by installing an approved alarm system (INCERT- or BOSEC-accredited with a maintenance contract)? If so, your premiums will be lower.
Your cover in detail
Risks covered and exclusions
The optional theft add-on covers:
the disappearance of insured contents due to theft in the insured premises
damage to insured contents due to theft, attempted theft, vandalism or malicious acts committed under the terms defined for this cover. The cost of replacing the locks of your business premises’ external doors is also covered in if keys or remote controls are stolen.
The optional theft add-on does not cover:
situations where preventive measures specified in the building and contents fire insurance policies have not been taken, for example the closure of external doors in the event of absence
cases where the theft is committed by the policyholder or with their complicity
Discover the full list of all 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 provided can be found in the standard terms and conditions. To obtain a quote, you can contact your advisor or call the Easy Banking Centre on 02 433 43 34.
Any concerns?
If you have any questions, you can contact your advisor in the first instance 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 (Tél. +32 2 228 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
Make a claim
If you need urgent assistance at any time, 24/7, or want to make a claim, our team is here to help!
Contact your advisor or call the Easy Banking Centre to schedule a video call.Call us on 02 433 43 34
Get extra cover
Do you need even more comprehensive protection? Simply add one of the following to your building and contents fire insurance policy.
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Financial protection
Has there been an incident in your office or store that’s stopping you from working, and is this affecting your income? This optional add-on allows you to compensate for the loss of earnings.
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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.
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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