A family insurance policy reimburses the costs of material and physical damage (for which you are not contractually liable) that you, your family members or pets cause to others on your private time. The insurer will also cover the legal costs for defending you if you are held liable for such incidents.
If you incur damages caused by a liable third party, then your insurer will endeavour to recover these damages.
This may include:
We insure you for damages to buildings, properties and their contents which are intended for private use.
There is cover for damages caused by all pets except for horses.
We cover you for damages caused:
Contractual liability for damages to a hotel, caravan or similar dwelling is also covered whilst you are on holiday.
Your personal liability in relation to children as a leader, chaperone or organiser of a youth movement or similar club is also insured.
You will benefit from 24/7 assistance in case of mechanical problems while cycling in Belgium or if your bike is stolen while you are out. If the bike cannot be repaired on site, we will take you back to your place of residence or starting point (up to 50 km).
Mountain bikes and electric bikes are also covered.
For physical damage, you are insured for up to €25,000,000 per claim and for material damage up to €5,000,000 per claim.
An excess is applied for each compensation claim. As of 1 April 2016, this amounted to €248.19. This excess changes to match developments in the consumer price index.
The cover provided under this policy is valid worldwide.
Your entire family, including all family members residing with you such as your children, partner and other cohabiting family members.
All legal costs are paid by your insurer: