For individuals
Family liability insurance
A child who scratches a car, a dog that knocks over a cyclist, a glass dropped at a friend's house. Family liability insurance compensates for material and bodily damage that members of your household cause to others in their private life.
- 4,4 out of 5, 83 Google reviews
- Independent broker, not a bank!
- 12 insurance companies compared
Our partner insurers
Useful if
- 1Your child scratches a car while playing at the neighbours’.
- 2Your dog makes a cyclist fall in the street.
- 3You clumsily damage a valuable item at a friend’s home.
What the policy can cover
- Damage caused to third parties by all members of the household
- Children, including when in someone else's care
- Pets
- Private life, in Belgium and abroad
The exact cover, excesses and exclusions depend on the insurer and the policy. We compare 12 insurers and give you an offer.
What family liability insurance really covers
Family liability insurance compensates for material and bodily damage caused to a third party by a member of the household in their private life: a child who breaks something at a friend's house, a pet that injures a passer-by, a bicycle that hits a parked car.
It does not cover damage you cause to your own property, nor professional activities, which fall under other types of insurance.
Why it is almost always recommended, without being compulsory
Nothing legally obliges an individual to take out family liability insurance in Belgium. It remains one of the most useful types of insurance in everyday life, because bodily injury caused to a third party can far exceed what a household can bear on its own.
It generally covers all members of the household, including children even when in someone else's care, and pets.
What our clients say…
Read all reviews on GoogleJe suis vraiment très contente du service que j’ai reçu. Toute l’équipe a fait preuve d’un grand professionnalisme et d’une vraie qualité de service du début à la fin. Je me suis toujours sentie accompagnée et soutenue, avec une présence constante et beaucoup d’attention à mes besoins. On sent que chacun donne son maximum pour satisfaire les clients, et cela fait toute la différence. Je tiens à remercier tout particulièrement le courtier Monsieur Kubat Ali pour son professionnalisme, sa disponibilité et son accompagnement tout au long du processus. Son écoute et son implication ont été très appréciées. Un grand merci à toute l’équipe pour leur gentillesse et leur travail de qualité. Je recommande vivement !
Sirin Yildirim
Merci beaucoup à Pinar pour tous les démarches qu'elle a effectuée pour l'obtention de notre crédit! Dès le début elle a été présente, et une personne de confiance. De nos jours c'est tellement difficile de trouver un gestionnaire qui suit parfaitement ces dossiers pour la satisfaction du client. Merci encore!
Ciftci Baris
Excellent service, bon accueil, toujours disponible avec ses clients. Merci à vous Monsieur Bayram. Vous êtes quelqu'un d'exceptionnel et gardez toujours votre sourire et votre hospitalité. Franchement à recommander.
Chris Luedi
Who will call you back?
Your request is handled here at Passage Charles Rogier by the person who will see it through to signing.
Rüstem Liman
Financial manager
Pinar Mugla
Sales associate, mortgages and insurance
Ali Kubat
Mortgages
Bayram Cakir
Mortgages
Bahar Celik
Instalment loans
Tolga Demirkazik
Insurance account manager
Sinan Yilmaz
Insurance account manager
We see clients by appointment, Passage Charles Rogier 10, two minutes from Rogier metro station.
02 203 24 34
Your questions
Is family liability insurance compulsory?
No, it is not imposed on every household, but it is almost always recommended. Without it, you pay out of your own pocket for damage caused to others.
Who is covered by the contract?
Members of the household, children included, and your pets. Children are also covered when in the care of a third party, depending on the contract.
Am I covered abroad?
The cover applies to private life in Belgium and abroad. The exact terms depend on the contract, and we check them with you before proposing an insurer.
Is damage to my own home covered?
No, family liability covers damage caused to third parties. Damage to your own home falls under home insurance.
Our other insurance products
For the self-employed and businesses- Home insuranceFire, water damage, theft. Required by the lender when you borrow for a property.
- Car and vehicle insuranceThird-party liability, mini-omnium or omnium cover, roadside assistance.
- Outstanding balance insuranceIt protects your family: in the event of death, the insurance repays the remaining capital in your place. Most lenders require it.
- Hospitalisation insuranceThe share of hospital costs that the health fund does not reimburse.
- Legal protection insuranceThe legal costs of a dispute, with the lawyer of your choice.
- Pension savingsA capital sum for retirement, with a tax benefit every year.
