Family insurance: extensive protection
Discover the many reasons why the Top Familiale personal liability insurance is a good idea.
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- Discover the personal instalment loan to also finance higher education
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INSURANCE
Family liability insurance from AG
(*) Co-tenants are adults who share a housing unit (with the same house number and mailbox) of up to five bedrooms and with a maximum of 10 people, which is their main residence.
Top Familiale liability insurance is a Belgian-law 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.
Everywhere in the world, day and night
You, the members of your household, your co-tenants and your pets are covered everywhere in the world, day and night, and the amounts insured are large.
Also away from home
Your Top Familiale personal liability insurance policy will protect you if you cause accidental damage to places you temporarily occupy, such as a holiday residence, a room used for a private party or a dwelling you occupy occasionally (up to three months) for private or professional reasons.
Cover for visitors
If grandchildren staying with you during the school holidays accidentally cause damage to third parties, your liability will be covered.
Sports and leisure
If you cause damage to third parties while practising a hobby or sport, including the use of a drone (max. 150 kg) or a rented boat for example, you will be covered.
Transport
You’re covered if you cause damage to third parties while travelling using an active travel means of transport, such as a bicycle, electric bicycle with a maximum speed of 25 km/h, scooter or electric scooter with a maximum speed of 45 km/h.
Also for young people
If you’re between 18 and 30 years old, you can get a discount on your premium. And some types of cover provided are particularly suited to your lifestyle (discover them below).
Who’s covered by your family insurance policy?
- You and the members of your household or your co-tenants.
- You, your partner, your children or your co-tenants who are temporarily living elsewhere, even for a long period: for example, if you’re on a business trip abroad or if your children are in student accommodation or studying abroad through the Erasmus scheme.
- Your pet: a dog, a cat or another type of animal (rodent, reptile, spider etc.).
- Children and pets under your care, at home.
- Members of your household or co-tenants are temporarily covered after moving out, until they take out a policy in their own name
- People who stay with you and/or who take care of your children or pets at home.
The extent of your cover with the Top Familiale personal liability insurance
Main risks covered
Top Familiale personal liability insurance covers your liability and compensates for damage that you, the members of your household, your co-tenants or your pets accidentally cause to a third party outside of work. For example:
Your dog bites a neighbour.
You ride a bicycle and injure a pedestrian by hitting them.
A passer-by breaks their arm after slipping on a section of pavement that is icy because you failed to clear it.
Main exclusions
You will not be covered if you, a member of your household, one of your co-tenants or your pet:
Damages their own property
Damages someone else's property intentionally
Causes damage in a work context
Causes damage that must be covered by a legally required insurance policy, such as third-party car insurance, unless the damage is also explicitly covered by the Top Familiale personal liability insurance.
View the full list of risks covered and exclusions
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To find out the full extent of the cover provided by Top Familiale and its options, refer to the Standard Terms and Conditions, the Information Document and the Pre-Contractual Information relating to them. You can also obtain these documents free of charge at a branch or via the Easy Banking Centre (02 433 41 30).
Find out more
Read the documents below:
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.
GET A PERSONALISED SIMULATION
Calculate your premium and take out your Top Familiale insurance policy in 3 steps
1
Log in
After logging in, you get a no-obligation quote for your family insurance policy.
2
Finalise your policy
Finalise your policy with the help of an advisor (available in branch and by phone) or directly online.
3
Sign
Sign your contract in branch or online.
If you want to take out a policy online, please read the information below.Simulate and apply
By your side
If you’ve had an accident, you don’t need to deal with it alone!
An accident, whether minor or major, can happen at any time and anywhere. If you need to report a claim, one of our experts will always be by your side. They will support you until your claim is resolved.
Your changing needs
If you want to customise your Top Familiale personal liability insurance? Your in-branch advisor will be happy to provide you with all the necessary information regarding our packs and options.
Customise your Top Familiale insurance
Personal legal expenses cover
Personal legal expenses cover helps you assert your rights, in court if necessary. Cover includes:
- Expert fees, lawyer fees and court costs
- Assistance with a contractual dispute related to your Top Familiale personal liability policy
The Familiale+ pack
The Familiale+ pack is attractive for many reasons:
- The excess of the Top Familiale personal liability insurance policy is not applicable if the amount of damage compensated exceeds the excess specified in your policy.
- If you rent or borrow an item (e.g. a bicycle or lawn mower), the Pack covers any damage you cause to the rented/borrowed item.
- The Top Familiale+ pack will also cover you if you accidentally cause material damage or physical injury to a co-tenant.
- If you’re claiming under your personal legal expenses cover (or your Providis comprehensive legal expenses cover), the compensation limits are increased with a Top Familiale+ pack.
Perfect for young people too
Are you between 18 and 30 years old? Top Familiale is also for you.
You enjoy lower premiums as well as cover suited to your lifestyle:
- If friends come to help you move or do small jobs around your home and accidentally cause damage to third parties, our "Favours between friends" cover (included in the basic Top Familiale policy) will protect your friends.
- The basic Top Familiale policy also covers any potential damage you cause to temporary residences, such as a holiday rental with friends.
- If you live in shared accommodation, the Familiale+ pack covers any damage you cause to your co-tenants.
INSURANCE
Discover our other insurances
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Providis comprehensive legal expenses cover
Providis comprehensive legal expenses cover covers you and the members of your household in a wide range of situations and areas of law. It allows you to assert your rights, get assistance in the event of a dispute, and be defended in court.
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Protect your home with Top Habitation
In the event of a fire, natural disaster, act of vandalism, water damage etc., your Top Habitation policy offers rapid compensation for damage to your home and 24/7 assistance.
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Top Accidents from AG
The Top Accidents insurance policy compensates for the financial consequences of an accident involving physical injury occurring outside of work, including traffic accidents involving a motorcycle, scooter, car, bicycle etc.
Legal information
AG Insurance SA/nv (abbreviated to AG) – 53 Boulevard Emile Jacqmain, B-1000 Brussels – RPM/RPR Brussels – VAT BE 0404.494.849 – http://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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