Top Accidents: what’s included
From reimbursement of your medical expenses to daily compensation if you’re unable to work, Top Accidents insurance offers many benefits: find out more below.
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INSURANCE
Top Accidents insurance by AG
Top Accidents is a Belgian-law accident insurance policy from AG, distributed by BNP Paribas Fortis. 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. In addition, from the second year onwards, you can cancel the policy at any time. Cancellation will take effect at the end of a 2-month period starting the day after notice is given by registered mail or served upon us, or the day after we provide an acknowledgement of receipt.
Top Accidents: comprehensive insurance
Accident insurance is an essential addition to your family insurance, which as standard only covers damage caused to others. Top Accidents also covers any financial loss you suffer as a result of an accident.
- Cover applies to accidents in the context of your personal life including traffic accidents, even on a motorcycle.
- The policy covers you anywhere in the world, so also during your holidays.
- You choose who you protect: your children, the whole family or just yourself.
- You can adjust the insurance to your needs by determining the level of cover and the maximum compensation amounts.
- Vous pouvez adapter l'assurance à vos besoins en déterminant la hauteur de la couverture et les montants d'indemnisation maximum.
Discounts on your Top Accidents insurance policy
Until 31 December 2024, you can get a discount when taking out a new Top Accidents policy.
Loyalty bonus – 10% discount
Benefit from a 10% discount throughout the term of your new policy if you also have one of the following with BNP Paribas Fortis:
- an active Top Habitation fire insurance policy from AG;
- and at least one active AG insurance policy: Top Familale liability insurance, Providis legal expenses cover, third-party motor insurance or Top Vélo comprehensive insurance.
Welcome gift – 10% discount
Benefit from a 10% discount during the first year of your policy if you don’t qualify for the loyalty bonus.
Reimbursement of your medical expenses
Consultations and any medical procedures are reimbursed. Repatriation is also included. The policy pays out after reimbursements made by your mutual health insurer.
Veterinary fees
This cover is included in all insurance formulas, and pays out if your dog or cat suffers an accident, subject to a limit of one accident per year and a maximum sum of €1,000, with a €100 excess.
Payment of a lump sum in case of permanent disability
If you suffer any kind of permanent disability – with a degree of disability as low as 1% – you receive a fixed amount to compensate for the long-term financial consequences.
Daily compensation if you’re temporarily unable to work
Your accident insurance compensates for the indirect consequences of an accident, for example, the use of a babysitter. You receive a fixed daily amount, and you can choose to take out this optional cover for both yourself and your partner.
Payment of a lump sum to your loved ones in the event of death
Top Accidents supports your loved ones by paying them a lump sum if you or a family member dies.
Psychological assistance
After an accident, you can get assistance 24/7. Thanks to our partner AG, you have access, if necessary, to three appointments with a psychologist after an accident or the death of a loved one.
Some examples
Top Accidents: supporting you after an accident
In what circumstances does Top Accidents support you?
- You fall off a ladder
- Your partner falls during your skiing holiday
- Your daughter has an accident with her bike and falls in the playground
Top Accidents helps with the financial consequences of physical injuries, even if you or a family member is responsible for the accident. This individual accident insurance policy from our partner AG reimburses your medical expenses, but also:
- other unforeseen expenses in the event that you’re temporarily unable to work as a result of an accident (such as the cost of a home help or babysitter). The policy pays out if you suffer permanent physical injury (disability) and in the event of your death.
- veterinary fees following an accident suffered by your dog or cat are also covered. Your faithful companions are part of your family and also deserve to be well protected!
Personalise your Top Accidents policy
Get the insurance you need
You can choose from 3 formulas
- Omnium Enfants: comprehensive insurance for your children and those of your partner.
- Omnium Famille: comprehensive insurance for you, your partner, your children and those of your partner.
- Omnium Individuelle: comprehensive insurance for you as the policyholder.
And since your pets are also your loved ones, "veterinary fees for dogs and cats" cover is included in all three formulas.
Top Accidents+ pack
This pack covers things such as:
- a home help if you’re temporarily unable to work,
- up to €1,000 of veterinary fees for your dog or cat,
- medical expenses with a limit of €2,500 in the event of an accident involving one of your grandchildren under your supervision, or a person helping you move or carry out work on your home.
Benefits in addition to those offered by other policies
You receive compensation under your Top Accidents policy (for the temporary inability to work, permanent disability or death) in addition to other cover that you may have, for example from your mutual health insurance company or other insurance policies (e.g. sports, school, family, traffic etc.).
The scope of your cover
Main risks covered
Types of accidents covered
Top Accidents covers the financial consequences of accidents resulting in physical injury in your personal life. The policy offers protection worldwide.
Types of activities covered
Top Accidents covers activities at home, in traffic, during a hobby, during unpaid participation in a sport, travel, school activities etc.
Consequences covered
medical expenses
loss of income and expenses related to a temporary inability to work
related to permanent disability
related to death
Main exclusions
accidents resulting from an intentional act committed by the insured or the beneficiary
accidents due to the insured being in a state of intoxication or a similar state
accidents occurring during your work activity or on the way to work
accidents occurring during the practice of air sports (such as parachuting, gliding or hang-gliding), without an instructor or pilot who holds the required licences, and during dives deeper than 40 metres or without an instructor
accidents occurring during the practice of extreme sports such as high diving, bungee jumping, wing flying, ski jumping and freeride, as well as during horse racing, racing competitions involving a means of transport, winter sports competitions, combat sports or martial arts
Discover the complete list of risks covered and exclusions
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To find out the exact scope of the cover provided by Top Accidents, refer to the standard terms and conditions of the policy. You can also find its main characteristics in the information document. You can obtain these documents free of charge at a branch or via the Easy Banking Centre by calling 02 433 41 30.
Learn more
The following documents provide additional information on Top Accidents insurance
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 – BCE 884.072.054 – Tel: 02 547 58 71– www.ombudsman-insurance.be.
Calculate your premium and take out your Top Accidents policy in 3 steps
Carry out a personalised simulation
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After logging in, get a no-obligation quote for your accident insurance
2
Finalise your contract with the help of an advisor (available in branch or by phone)
3
Sign your contract in branch or via Easy Banking Web
Read the information below beforeSimulating your insurance
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Protect yourself and your family
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Travel with peace of mind
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Legal information
AG Insurance SA/nv – 53 Boulevard Emile Jacqmain, B-1000 Brussels – RPM/RPR Brussels – VAT BE 0404.494.849 – 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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