{"id":3674,"date":"2022-09-17T09:40:33","date_gmt":"2022-09-17T07:40:33","guid":{"rendered":"https:\/\/lefoyerxl.be\/?post_type=arcticles-bruxelles&#038;p=3674"},"modified":"2022-09-17T10:17:16","modified_gmt":"2022-09-17T08:17:16","slug":"assurances","status":"publish","type":"arcticles-bruxelles","link":"https:\/\/lefoyerxl.be\/en\/arcticles-bruxelles\/insurance\/","title":{"rendered":"Insurance"},"content":{"rendered":"<div data-elementor-type=\"wp-post\" data-elementor-id=\"3674\" class=\"elementor elementor-3674\" data-elementor-post-type=\"arcticles-bruxelles\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-e20a34d elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"e20a34d\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-5271f6b\" data-id=\"5271f6b\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-deba616 elementor-widget elementor-widget-text-editor\" data-id=\"deba616\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h2 id=\"pageContainer82\" class=\"_page_1gl8y_100\" data-index=\"81\"><strong>What insurance is legally required in Belgium?<\/strong><\/h2><div data-index=\"81\">\u00a0<\/div><ul><li class=\"_page_1gl8y_100\" data-index=\"81\">Civil liability insurance for any motor vehicle on the public highway.<\/li><li class=\"_page_1gl8y_100\" data-index=\"81\">Workmen's compensation insurance and domestic workers.<\/li><li class=\"_page_1gl8y_100\" data-index=\"81\">Hunting liability insurance.<\/li><\/ul><p>\u00a0<\/p><h2><strong>What insurance is strongly recommended?<\/strong><\/h2><p>\u00a0<\/p><ul><li>Life, accident, fire and family liability insurance.<\/li><\/ul><p>\u00a0<\/p><p>Family liability insurance ensures that you can deal with the financial consequences of a number of life events. It is therefore important to be well informed.<\/p><p>\u00a0<\/p><h2><span style=\"text-decoration: underline;\"><strong>The broker :<\/strong><\/span><\/h2><p>\u00a0<\/p><p>To help you, the broker searches for the insurance policies that best meet your needs. He advises you and assists you in the event of a claim. He is your contact and spokesperson with the major insurance companies. In general, the broker visits the insured. It is strongly recommended that you use his services. Some banks also offer an \"Insurance\" service.<\/p><p>\u00a0<\/p><p>Find an insurance broker near you: www.assurances.be\/rechercher-un-courtier-en-assurances<\/p><p>\u00a0<\/p><h2><span style=\"text-decoration: underline;\"><strong>Housing :<\/strong><\/span><\/h2><p>\u00a0<\/p><p>Covers fire, water damage, glass breakage, building liability and natural disasters: storms, hail, floods .... This comprehensive insurance must be taken out by both the tenant and the owner, taking into account the recourse that is exercised between the parties. The landlord's insurance covers the risks inherent in the building (e.g., embedded pipes, storm damage to the roof, etc.), while the tenant's insurance covers rental risks (e.g., exposed pipes, etc.).<\/p><p>\u00a0<\/p><h2><span style=\"text-decoration: underline;\"><strong>People :<\/strong><\/span><\/h2><p>\u00a0<\/p><p><strong>FAMILY (CIVIL LIABILITY) INSURANCE<\/strong><\/p><p>\u00a0<\/p><p>Not compulsory, but recommended for everyone, even those living alone. Compensates for damage to third parties caused by you, your children, your pets, or anyone dependent on you, up to large amounts for physical and material damage.\u00a0<\/p><div class=\"_linksLayer_1gl8y_42\">\u00a0<\/div><div id=\"pageContainer83\" class=\"_page_1gl8y_100\" data-index=\"82\"><strong>HOUSE STAFF\u00a0\u00a0<\/strong><\/div><div data-index=\"82\">\u00a0<\/div><div class=\"_page_1gl8y_100\" data-index=\"82\">Compulsory even for people working for you. This applies to any person who works in your home in a private capacity, even on a part-time basis: au pair, cleaning lady.<\/div><div data-index=\"82\">\u00a0<\/div><div class=\"_page_1gl8y_100\" data-index=\"82\"><strong>HEALTH<\/strong><\/div><div data-index=\"82\">\u00a0<\/div><div class=\"_page_1gl8y_100\" data-index=\"82\">In Belgium, the Mutuelle is compulsory for employees as well as for the self-employed. Insurance companies offer additional coverage.<\/div><div data-index=\"82\">\u00a0<\/div><div data-index=\"82\"><strong>HOSPITAL INSURANCE<\/strong>\u00a0<\/div><div data-index=\"82\">\u00a0<\/div><div data-index=\"82\">In the event of hospitalisation, it covers the costs that exceed the reimbursements of the mutual insurance company, including the costs of a single room.<\/div><div data-index=\"82\">\u00a0<\/div><div data-index=\"82\"><strong>INDIVIDUAL INSURANCE <\/strong><\/div><div data-index=\"82\">\u00a0<\/div><div data-index=\"82\"><strong>ACCIDENT<\/strong><\/div><div data-index=\"82\">\u00a0<\/div><div data-index=\"82\">Lump sums (amount chosen by the insured) in case of accident. Covers death and\/or permanent disability and\/or temporary incapacity and\/or medical expenses.<\/div><div data-index=\"82\">\u00a0<\/div><h2 data-index=\"82\"><span style=\"text-decoration: underline;\"><strong>Auto : <\/strong><\/span><\/h2><div data-index=\"82\">\u00a0<\/div><div data-index=\"82\">The \"Bonus-Malus\" system (the insurance premium increases or decreases according to the accidents you have had in the past) has been revised. Each insurance company uses its own evaluation grid.<\/div><div data-index=\"82\">\u00a0<\/div><div data-index=\"82\"><strong>RC AUTO<\/strong><\/div><div data-index=\"82\">\u00a0<\/div><div data-index=\"82\">This cover is compulsory and covers damage to third parties, including passengers in your vehicle, except the driver, in the event that he or she is held liable. In order to obtain the best rates, do not forget to ask your previous insurer for a \"no claim\" certificate. Belgian insurers will take this into account.\u00a0<\/div><div data-index=\"82\">\u00a0<\/div><div data-index=\"82\"><strong>LEGAL DEFENCE\u00a0<\/strong><\/div><div data-index=\"82\">\u00a0<\/div><div data-index=\"82\">Not compulsory, but recommended. Covers the defence of your interests, the costs of lawyers and legal proceedings in Belgium and abroad in the event of contestation of responsibilities (increasingly frequent on the part of individuals and insurance companies).<\/div><div data-index=\"82\">\u00a0<\/div><div data-index=\"82\"><strong>\u00a0OMNIUM<\/strong><\/div><div data-index=\"82\">\u00a0<\/div><div data-index=\"82\">This cover is an option that can be partial or total. The full omnium covers material damage, whether or not the driver is at fault. It also covers theft, fire, glass breakage and forces of nature. The partial omnium, or mini-omnium, does not cover damage to your vehicle if you are at fault or due to vandalism. In any case, not having caused an accident in the previous 5 years will have a positive influence on the premiums to pay.\u00a0<\/div><div data-index=\"82\">\u00a0<\/div><div data-index=\"82\">\u00a0<\/div>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-a1d230e elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"a1d230e\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-2c73500\" data-id=\"2c73500\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-d4a17d5 elementor-align-center elementor-widget elementor-widget-button\" data-id=\"d4a17d5\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/expatsinbrussels.be\/fr\/administration\/assurances\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Source<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>","protected":false},"featured_media":0,"template":"","categories_bruxelles":[36],"class_list":["post-3674","arcticles-bruxelles","type-arcticles-bruxelles","status-publish","hentry","categories_bruxelles-administration-assurances","entry"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.3 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Assurances - Centre de sant\u00e9 le foyer<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/lefoyerxl.be\/en\/arcticles-bruxelles\/insurance\/\" \/>\n<meta property=\"og:locale\" content=\"en_GB\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Assurances - Centre de sant\u00e9 le foyer\" \/>\n<meta property=\"og:description\" content=\"Quelles sont les assurances l\u00e9galement obligatoires en Belgique ?\u2028 \u00a0&hellip; 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