Legal notices

Head office

 

B-insur BV is a private limited company, registered under number BE 1017 957 887, with registered office at Alsembergsesteenweg 247, B-1501 Halle.

 

Telephone: +32 (0) 2 534 45 19

Internet: www.b-insur.be

 

Supervisory authority

Our office is registered under number 1017957887 in the category of insurance brokers in the register of insurance intermediaries maintained by the FSMA, with its head office at Congresstraat 12-14, 1000 Brussels, and which can be consulted on the website www.fsma.be

 

Security and confidentiality

The security of the information you provide to us is essential to us.

 

B-insur BV undertakes to treat your data confidentially, in accordance with national and international provisions, including the Belgian law of 8 December 1992 regarding the protection of privacy with regard to the processing of personal data.

The personal data you provide us through letters, emails, or the website is stored in B-insur BV's files. Your information will not be used for marketing purposes outside of B-insur BV.

 

Services and information on the website

This website is owned by B-insur BV. It represents the various services the company offers to its customers. It is updated regularly and as thoroughly as possible. B-insur BV cannot guarantee the complete accuracy of the information provided on the website at all times, as this information may be changed at any time during updates.

 

Security

B-insur BV makes every effort to protect its website against virus and hacker attacks. Despite all the precautions taken, B-insur BV cannot guarantee that its pages are always virus-free. Therefore, we recommend that you use antivirus software correctly on every website.

 

Intellectual property

The website's content, design, mascots, images, codes, trademarks, and logos are the property of B-insur BV, its service providers, employees, customers, and suppliers. All visitors must respect these intellectual property rights. Therefore, it is prohibited to "take back" anything without expressly requesting B-insur BV.

 

Liability

Except in the case of an intentional act or serious error, B-insur BV cannot be held liable:

- Any technical difficulty that the visitor to this site may encounter.

- Unauthorized access by a third party or by an unknown person who modifies the content, code, or computer peripheral equipment associated with B-insur BV or any damage resulting therefrom.

 

Law and jurisdiction

The information, services, and products distributed on this website, as well as their publication, are governed by Belgian law. Only the courts of the Brussels district have jurisdiction to settle disputes relating to this website, the information contained therein, and its use by visitors.

 

DISTANCE SALES CONTRACTS, Financial services

Financial services concluded remotely are subject to similar consumer protection measures as those for "traditional" distance contracts, namely information requirements and a statutory right of withdrawal. These protections have been adapted to take into account the subject matter of these contracts, namely financial services.

 

It is mandatory to have pre-contractual information about:

- insurance company;

- financial service;

- distance contract;

- legal remedies (out-of-court remedies).

 

WHAT IS THE REMOTE CONTRACT?

This is the entire set of rights and obligations between you and B-insur BV regarding the online subscription of an insurance contract.

The term "financial services" must be understood in a broad sense: it covers in particular (Art. I.8, 18° CDE)

- banking services,

- insurance,

- lending,

- individual pensions,

- investments and

- payments.

 

Before you are bound by an offer, you must also be clearly informed about whether or not you have a right of withdrawal.

 

Waiting time

(Companies - art. VI.47 to 53 CDE // Liberal professions - art.

For every distance contract, except in exceptional circumstances, the consumer has a right of withdrawal. The insurance company has the same right.

Books VI and XIV provide that the consumer who has signed a distance contract has a right of withdrawal.

 

Books VI and XIV CDE offer in particular:

- a revocation period of 14 calendar days;

- a form that can be used for easy withdrawal;

- the possibility of withdrawal when the performance of a service contract has begun during the withdrawal period;

- the reimbursement conditions;

- the conditions and any costs of returning the goods;

- situations in which the right of withdrawal cannot be exercised;

...

 

The distance contract, intended to protect the consumer, has a withdrawal period that varies depending on the nature of the contract concluded.

 

When does the withdrawal period start?

The withdrawal period starts:

- For sales contracts from the day after the day on which the consumer or the third party designated by the consumer acquires physical possession of the goods, except in special cases referred to in Books VI and XIV of the Code of Economic Law.

- In the case of multiple goods or goods consisting of lots that are part of a single order but are delivered separately, from the day after receipt of the last good or lot.

- In case of regular delivery of goods for a specific period, from the day after receipt of the first good.

- For service contracts, effective from the day after the contract is concluded. The insurance contract is concluded when the insurance company receives the policyholder's acceptance.

 

How can you withdraw?

The consumer shall inform the company or the person exercising a self-employed profession of his decision to withdraw from the contract before the expiry of the withdrawal period of 14 calendar days by sending him:

- a withdrawal form, a sample of which is available on our website. You can download the document via the following link:  WITHDRAWAL FORM .

- or a statement clearly stating the intention to terminate the agreement.

 

The notice of withdrawal must be given in writing or on a durable medium available to the recipient.

- The cancellation by the policyholder takes effect at the time of notification.

- The cancellation from the insurance company will only take effect eight days after the notification.

 

Contracts subject to the right of withdrawal cannot enter into force before the end of the 14-day period without the subscriber's consent, so the contract is deemed to enter into force after the 14-day period has expired, unless the subscriber has requested otherwise.

 

The deadline is met if the notification of the exercise of the right of withdrawal is sent before the deadline expires.

 

Remote financial services

Examples: any service related to banking, credit, insurance, payments and investments, using a distance communication technique.

 

Exceptions: among others:

- Financial services whose price depends on fluctuations in the financial market over which the supplier has no influence, which are likely to occur during the withdrawal period.

- Agreements that are fully performed by both parties at the request of the consumer before he exercises his right of withdrawal.

- Mortgage loans.

 

Cancellation period:

- 14 calendar days,

- 30 days for life insurance and individual pensions.

 

Notes: In case of withdrawal, the consumer may only be required to pay for the service actually provided by the supplier.

 

INSURANCE CONTRACTS OTHER THAN LIFE INSURANCE

No protection at European level, but at Belgian level: 14-day withdrawal period from receipt of the insurance by the insurer for any insurance contract with a duration of more than 30 days and provided the consumer has signed a policy drawn up by the insurer.