🛍 Enjoy a discount of 15%* until 6/12/21 with the code BLACKFRIDAY21 🛍 Our products Make a claim EN Contact us Immoweb Protect / Home Protect Insurance for tenants The fire insurance designed for tenants What are you renting? House Apartment Get 15% off with promo code*: BLACKFRIDAY21 *Action is valid from 22/11/21 to 06/12/21 inclusive, on the 1st year premium. Efficient and convenient claim handling Comprehensive coverage Premium service 100 % digital DISCOVER YOUR PRICE The comprehensive protection for your goods while you’re renting an apartment or a house Assistance 24h/7 You have damage that is insured in your contract and you urgently need help? Then contact the assistance. Fire and other damages We pay for the damaged due to fire when you are responsible : Damage due to electricity overload Damage caused by smoke and soot Material damage from smoke and soot caused by a sudden, unexpected event for which you are responsible. Water/oil damage and infiltration Damage caused to the building by water or fuel oil for which you are responsible. Relocation indemnity If as a tenant you are obliged to leave your apartment or home before the end of the rental agreement, we will, under certain conditions, pay the penalties that you must pay to the owner in accordance with the law applicable to the rental agreement of the main residence. Glass break or screen break Family civil liability Popular Optional This coverage pays for damage to third parties caused by you and the people who share your home. Material damages to your content Popular Optional Material damage to your personal belongings. Protection against theft and vandalism Optional Cover your content in case of theft or vandalism. You can choose to cover it at 100% or 50%. Legal protection after fire and related perils Popular Optional Euromex protects you against unexpected expenses in a legal dispute. Bike Optional Material damage to the bike or theft of the bike. Exclusions Natural disasters The insurance tenant liability does not cover any damage to the building caused by natural disasters (rain floods, subsidence, earthquakes, landslides etc.). If you chose the option ‘content’ in the next step, then we will still pay for the damage to your content. Damage caused by environmental pollution We do not cover damage caused by environmental pollution (air, water, and soil). For example, the damages to the environment followed by a flow of fuel oil from an installation that does not meet legal requirements. Damage caused by asbestos We do not cover damage resulting directly or indirectly from asbestos and/or its harmful characteristics, as well as any other material containing asbestos in any form whatsoever. Deliberate damage by an insured For example, if you intentionally set your home on fire, we will not cover any damage. Or if you intentionally break your television screen, we will not cover it. Damage caused by the police, the army or war. Damage caused as a result of war or similar events and civil war is not covered. To have the full list of exclusions, you can read: Terms and conditions The Home Protect Insurance is also: Good on price/quality on the Belgian market A complete protection Immediate help by phone or email in case of problems Proactif handling and following of your specific case in case of an incident Pay the complete sum or pay by the month Secure SSL payment Maria Customer Service Assistant @ Qover You have a question? You need help? We are available to help you as much as we can. SCHEDULE A PHONE CALL WITH US Home Protect Insurance is a winning partnership between 3 complementary and leading companies You have questions? We have answers. Useful documents Insurance Product Information Document General Policy Conditions Data privacy policy Links Complaints Conflicts of interest policy How can I file a claim? Easy, just complete this online form. Do you have specific questions? Feel free to contact Qover at +32 2 588 25 50 or via email : contact@qover.be. Who is behind this insurance? The Tenant Home Insurance is covered by Baloise Insurance and the Legal Protection by Euromex. The 24-hour assistance is handled by Europ Assistance. More information is available in the General Policy Conditions. How can I cancel my insurance contract? You can cancel your insurance contract at no cost up to 14 days after subscribing online, by filling in the retraction form provided at the time of subscription. You can also cancel your contract at least 3 months before its yearly expiration date. The cancellation will then take effect on the yearly expiration date. What are the main exclusions? The main exclusions are: damage for which the tenant is not responsible: force majeure, fault of a third party and fault of the owner; damage caused by environmental pollution (fuel oil damage remains insured); family civil liability excludes damage resulting from a contractual cause; damage resulting from works or a building under construction (damage resulting from fire or explosion remains insured for minor works); damage caused by asbestos; intentional damage caused by the insured party; damage caused by the police, the army or war. Refer to the General Policy Conditions for the complete list. How can I get in touch when I need help? Call our assistance 24/7 at +32 3 870 95 70. You will then be directly in contact with Europ Assistance Belgium SA. They are in charge of the assistance service for Baloise Insurance in Belgium. Legal mentions The Home Protect Insurance for tenants is covered by Baloise Insurance, which is the commercial name of Baloise Belgium SA, located at Posthofbrug 16, 2600 Anvers, RPM Anvers TVA BE0400.048.883. It is an insurance company operated under the supervision of the National Bank of Belgium. Its company number and more information are available at www.nbb.be. The Legal Protection is covered by Euromex located at Generaal Lemanstraat 82-92, 2600 Berchem, Belgium. RPM Anvers - TVA BE 0404.493.859. It is an insurance company operated under the supervision of the National Bank of Belgium. Its company number and more information are available at www.nbb.be. It is administered by Qover S.A. - FSMA 0650.939.878. The home insurance is a non-life product (Branch 8). The legal protection is a non-life insurance (Branch 17) and the assistance is a non-life insurance (Branch 18). This insurance contract is for a period of one year. It shall be tacitly renewed for consecutive periods of one year. This insurance is subject to Belgian law. Immoweb FS SA | Rue aux Laines 70, 1000 Bruxelles | RPM: BE 0727.442.788 - FSMA : FSMA 0727442788 | Privacy Policy | À propos de AssurMifid | Legal notice Qover SA/NV | 31 Rue du Commerce- 1000 Brussels | RPM: BE0650.939.878 - FSMA: 0650.939.878 | Privacy Policy | Assurmifid | Legal notice | About Qover The information given on this website is for information purposes only and is therefore not binding. It is the customer’s responsibility to read fully the General Policy Conditions of our products and to make carefully considered decisions. © 2020 Qover SA. All rights reserved.