You have questions? We have answers.

Useful documents

• Insurance Product Information Document
• General Policy Conditions
• Data privacy policy

Links

• Complaints
• Conflicts of interest policy
• Look at the complete FAQ

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 Tenant Home Insurance 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.