What's covered?

If you or a family member has a hobby that generates some extra income, you can cover your liability.
Some examples

• You perform household tasks or do gardening work
• You breed animals or cultivate plants, vegetables or fruit
• You perform music with a band
• You run a bed & breakfast

Compensation and deductible

The maximum cover per claim event is 1.5 million euros for bodily injury and material loss or damage combined. A specific compensation limit applies for loss or damage resulting from environmental pollution. For material damage, there is a deductible of 250 euros.

What are the main exclusions?

• Liability for liberal and intellectual professions for which compulsory insurance is required (e.g., travel agencies) or that are subject to supervision by a professional body (e.g., accountants)
• Trade in or repair of motor vehicles and bicycles
• Hiring out of goods
• Construction, renovation, finishing and letting of real property

This additional cover is for anyone who does paid work as a teacher.
If you are already insured through the educational institution you work for, you will only need this insurance if you are giving extra lessons that are not covered.

What's covered?

• Loss, damage or injury you cause to your students or another individual
• Loss, damage or injury you cause to your students if you are held liable

Compensation and deductible

The maximum cover per claim event is 1.5 million euros for bodily injury and material loss or damage combined. A specific compensation limit applies for loss or damage resulting from environmental pollution. Pure non-material loss or damage is covered up to 125,000 euros per claim event. A deductible of 250 euros applies per claim event for any material and pure non-material loss or damage.

What are the main exclusions?

• Dangerous sports such as mountaineering, speleology, full-contact martial arts, deep-sea diving, motorised sports and parachuting
• Training of professional athletes
• Loss, damage or injury caused by saddle horses that you own

This insurance provides cover if you mind children professionally at your home.

What's covered?

• Your liability as a childminder
• Bodily injuries sustained by the children in your care (a legal requirement in Flanders)

Compensation and deductible

For your liability as a childminder, we compensate up to 30 million euros for bodily injuries and up to 10 million euros for material damage. For material damage only, there is a deductible of 250 euros per claim event.

What are the main exclusions?

• We do not compensate damage to items belonging to the children in your care (e.g., toys they bring with them) or your family (e.g., furniture or household items)
• In the insurance against physical injury sustained by the children you mind, we do not compensate damage to existing prostheses or orthopaedic devices, such as glasses, contact lenses, braces and hearing aids