Multi-Risk Home Insurance
The Multi-risk Home Insurance covers the damages caused to the subscriber's real estate property and its contents in the event of a disaster. This insurance contract covers all fully owned residences (owner-occupied or not), whether they are individual or collective. It also covers your civil liability.
ADVANTAGES
Tailored coverage, customizable options for a level of protection that matches your lifestyle and budget.
Coverage against all major risks: fire, water damage, theft, vandalism, glass breakage, weather events, whether your property is occupied or unoccupied
Protection for you and your loved ones, material and bodily damages that you may cause to others.
Real estate and movable property are compensated in case of damage within the limits of the amounts provided in the summary table of guarantees.
FEATURES
Contract duration.
The Multi-risk Home contract is an annual contract with a "firm duration". It takes effect on the date of subscription. The effectiveness of the contract is subject to the payment of the premium by the subscriber.
Risk declaration
The contract is based on the declarations of the subscriber and the premium is calculated accordingly. The Insured must answer accurately the questions asked by the insurer, especially in the risk declaration form through which the insurer questions the insured at the conclusion of the contract, about the circumstances that are likely to make it assess the risks it covers.
During the contract, the subscriber must declare all new circumstances that have the effect of either increasing the risks or creating new ones and thus make inaccurate or obsolete the answers you have given us in the form. This declaration must be made by registered letter or against a signature within 15 days from the moment the insurer became aware of these new circumstances.
Calculation and payment of the premium.
There are mandatory guarantees and optional or complementary guarantees. The amount of the premium depends, among other things, on the coverage chosen by the subscriber.
The VAT-inclusive premium (net premium + ancillary costs + applicable taxes) is debited when the real estate loan is set up to the account of the real estate financing beneficiary.
Declaration and settlement of claims
In the event of a claim, the subscriber must:
Use all means in your power to stop the effects or limit the extent, save the insured property, and then ensure their conservation,
Notify the insurance company, at the latest within 5 working days of the claim, in writing, preferably by registered letter - or verbally against a receipt. In the case of theft, this period is set at 48 hours.
If it is a theft, notify the local police within 48 hours from the moment you became aware of it and file a complaint with the Public Prosecutor's Office if we demand it,
Indicate in the claim declaration or, if impossible, in a subsequent declaration made as soon as possible: the date and circumstances of the claim, its known or presumed causes, the nature and approximate amount of the damages, the name and address of the perpetrators (if known), the injured parties and, if possible, the witnesses, the coverage taken out for the same risks with other Insurers,
Provide a signed (by the subscriber) statement of losses and any documents to justify the reality and extent of the damages,
Forward promptly all notices, letters, summonses, pleadings, extrajudicial acts, and procedural documents that are addressed or served to you,
Guarantees
This contract aims to grant sets of guarantees chosen by the subscriber depending on whether they are:
Owner-occupier of the insured buildings;
Non-occupying owner of a rented building, or a second home;
The guarantees defined below are exercised within the limits of the amounts provided in the Summary Table of Guarantees that will be made available to the client.
| DESIGNATION OF GUARANTEES | OWNER-OCCUPIER | NON-OCCUPYING OWNER |
|---|---|---|
| Article 1: FIRE and RELATED RISKS | ||
| Building, fittings (current value) | ✔ | ✔ |
| Additional rental risks | EXCLUDED | EXCLUDED |
| Furniture, personal belongings and effects | ✔ | EXCLUDED |
| Flat-rate indirect losses of 10% | ✔ | ✔ |
| Loss of rent | EXCLUDED | ✔ |
| Loss of use | ✔ | EXCLUDED |
| Loss of enjoyment | EXCLUDED | EXCLUDED |
| RC loss of rent | EXCLUDED | EXCLUDED |
| Neighbour and third-party/tenant recourse | ✔ | ✔ |
| Clearance and demolition costs | ✔ | ✔ |
| Displacement and replacement costs | ✔ | ✔ |
| Decorator's fees, study offices' fees | ✔ | ✔ |
| Expert fees | ✔ | ✔ |
| All explosions, lightning, impact of a identified land vehicle, smoke, impact or fall of aircraft | ✔ | ✔ |
| Article 2: STORMS-HURRICANES-CYCLONES | ✔ | ✔ |
| Article 3: DAMAGE TO ELECTRICAL AND ELECTRONIC APPLIANCES (1st absolute risk) | ✔ | EXCLUDED |
| Transport and installation costs | ||
| Article 4: GLASS BREAKAGE (1st absolute risk) | ✔ | ✔ |
| Direct damage | ||
| Additional costs, temporary closure costs | ||
| Installation and transport costs | ||
| Article 5: WATER DAMAGE | ✔ | ✔ |
| Direct damage | ||
| Additional search and leak costs | ||
| Article 6: THEFT (1st absolute risk) | ||
| Furniture, personal effects | ✔ | EXCLUDED |
| Including valuable objects/precious items | ||
| Material and immovable deteriorations | ✔ | EXCLUDED |
| Article 7: ALL COMPUTER RISKS | ✔ | EXCLUDED |
| Direct material damages (1st absolute risk) | ||
| Article 8: TRAVEL-VACATIONS/RELOCATIONS | ✔ | EXCLUDED |
| Article 9: CIVIL LIABILITY (limitation of coverage per claim and per year) | ||
| Article 9.A: PRIVATE LIFE LIABILITY | ✔ | EXCLUDED |
| Bodily injuries | ||
| including: | ||
| Food poisoning | ✔ | EXCLUDED |
| Consequential material and immaterial damages | ||
| Article 9.B: OWNER'S PROPERTY LIABILITY | ✔ | ✔ |
| Bodily injuries | ||
| Consequential material and immaterial damages | ||
| Article 9.C: Defense and Recovery | ✔ | ✔ |