AssurMiFID code of conduct

1. Vanbreda

The Vanbreda Group is a network of companies that provide insurance intermediary services and miscellaneous insurance activities, asset management, risk management and claims handling and/or other allied activities. Each company of the group is recognized by the FSMA as an independent broker.

The Vanbreda Group in Belgium consists of:

  • Vanbreda Risk & Benefits – FSMA no. 13718 A-R (BE 0404.055.676)
  • Vanbreda Ausloos – FSMA no. 47833 A (BE 0474.182.421)
  • Vanbreda Credinco – FSMA no. 042518 A (BE 0462.175.702)
  • Vanbreda Fryns – FSMA no. 14574 A (BE 0434.400.147)
  • Vanbreda Geerts – FSMA no. 044401 A (BE 0466.513.679)
  • Vanbreda Huysmans – FSMA no. 067446 A (BE 0478.505.552)
  • Vanbreda Missinne – FSMA no. 013584 A (BE 0426.071.906)
  • Vanbreda Van Paeschen – FSMA no. 010921 A (BE 0417.045.758)

In the Netherlands, the Vanbreda Group is represented by Vanbreda Risk & Benefits Nederland, and in Luxembourg by Vanbreda & Lang.

The Vanbreda Group has close links to the insurance company Justitia. Justitia specialises in insuring Employee Benefits plans which are developed by the Vanbreda Group and tailored for the policyholding business.

2. Working method

2.1 Insurance intermediary services

As an insurance broker we specialise in advising on, offering and managing insurance contracts. To do this, we carry out the preparatory work up to conclusion of the insurance contracts and assist with their administration and implementation, including submission of claims.

We work out the best solution for you on the basis of the information that you give us. It is therefore important that you should inform us in detail beforehand of all circumstances and requirements of which you are aware that may reasonably be regarded as factors that will influence the proposal that we make to you. We always provide advice on the basis of an impartial analysis. In other words, our analysis is based on a sufficient number of insurance solutions that are available in the insurance market and correspond to your wishes and needs. By entering into the insurance contract you acknowledge that our advice takes into account your wishes and needs and that you have been informed about the scope and limitations of the insurance product that you have chosen.

2.2 Insurance classes

Most of the companies within the Vanbreda Group can act as insurance brokers for all the insurance classes summarised below. If one of the companies does not have a licence for a specific class, this is noted for that class. Due to its niche specialisation, Vanbreda Credinco only has a licence for classes 14, 15 and 21.

2.2.1 “Non-life” insurance business

1. Accident
1.a. Non-industrial accidents: fixed pecuniary benefits; benefits in the nature of indemnity; combinations of both; passengers.
1.b. Industrial accidents
2. Sickness: fixed pecuniary benefits; benefits in the nature of indemnity; combinations of both; permanent health insurance.
3. Land vehicles except railway rolling stock: all damage to motorised and non-motorised vehicles.
4. Railway rolling stock: all damage.
This insurance class is not offered by Vanbreda Ausloos. You can use Vanbreda Risk & Benefits for this.
5. Aircraft: all damage.
This insurance class is not offered by Vanbreda Fryns and Vanbreda Ausloos.
6. Ships: all damage to inland navigation vessels; lake navigation vessels; marine vessels.
This insurance class is not offered by Vanbreda Fryns and Vanbreda Ausloos.
7. Goods in transit including merchandise, baggage and all other goods: all damage to goods or baggage in transit, irrespective of the form of transport.
This insurance class is not offered by Vanbreda Ausloos. You can use Vanbreda Risk & Benefits for this.
8. Fire and natural forces: all damage to property (with the exception of property included in classes 3, 4, 5, 6 and 7) when caused by fire; explosion; storm; natural forces, with the exception of hail and frost; nuclear energy or subsidence.
9. Other damage to property: all damage to property (with the exception of property included in classes 3, 4, 5, 6 and 7) when caused by hail or frost, including all events not already covered under 8, such as theft.
10. Motor vehicle liability: all liability resulting from the use of motor vehicles.
10.a. compulsory motor vehicle liability insurance
10.b. carrier liability insurance
11. Aircraft liability: all liability resulting from the use of aircraft (including carrier’s liability).
This insurance class is not offered by Vanbreda Fryns and Vanbreda Ausloos.
12. Liability of ships: all liability resulting from the use of marine and inland navigation vessels (including carrier’s liability).
This insurance class is not offered by Vanbreda Fryns and Vanbreda Ausloos.
13. General liability: all other forms of liability not already covered under nos. 10, 11 and 12.
14. Credit: general insolvency; export credit; instalment credit; mortgages; agricultural credit.
This insurance class is not offered by Vanbreda Ausloos.
15. Suretyship: direct suretyship; indirect suretyship.
16. Miscellaneous financial loss: unemployment risks; insufficiency of income (general); bad weather; loss of profit; continuing general expenses; unforeseen trading expenses; loss of market value; loss of rent or revenue; indirect trading losses other than those mentioned above; other financial loss (non-trading); other forms of financial loss.
17. Legal expenses.
18. Assistance: assistance to persons who get into difficulties while travelling, while away from home or while away from their permanent residence; assistance under other circumstances.

2.2.2 “Life” insurance business

21. Life insurance not linked to investment funds, with the exception of marriage and birth insurance.
22. Marriage and birth insurance not linked to investment funds.
23. Life, marriage and birth insurance linked to investment funds.
24. The insurance that exists in Ireland and the United Kingdom known as “permanent health insurance” (long-term health insurance that cannot be cancelled).
25. Tontines.
26. Capital redemption.
27. Pension fund management.
28. Transactions as referred to in Book IV, title 4, chapter I of the French “Code des assurances”.
29. Transactions relating to the length of human life that are described and referred to in social security legislation, insofar as these are in accordance with the legislation of a European Member State, and undertaken or managed by insurance companies at their own risk.

More information on our services in general and the various types of policies for which we act as intermediaries can be found under the ‘Tailor-made services’ and ‘Solutions for your risks’ sections. This information is provided for information purposes only and does not constitute a summary of all the current insurance terms and conditions. As an insurance broker we work with a number of different companies. Each company, however, has its own general and special policy terms and conditions. To decide which insurance policy best corresponds to your needs, a full study is needed. If necessary, we negotiate tailored policy terms with the insurer.

2.3 Code of conduct

We respect codes of conduct, regardless of whether these are prescribed by law or based on ethical codes for intermediaries. This also means that as a member of the Professional Trade Association of Insurance Brokers (BVVM) we also follow, in our conflict of interest policy and in our remuneration policy, the rules and principles adopted at sectoral level by the professional association.

2.4 Privacy policy

We respect your personal privacy in accordance with the current legislation.
You are not obliged to answer questions that we ask, but failure to answer those questions may, depending on the situation, mean that we may be unable or may refuse to enter into a precontractual or contractual relationship, to continue such a relationship or to transact business requested by you or by a third party for your benefit.

2.4.1 Processing of your personal data

We process the personal data that you provide to us via our website and/or in the context of the services that we provide on it, in strict confidentiality.

Personal data are processed for the following purposes: brokerage services, management of personal insurances, processing of requests and claims, central customer management, marketing of insurance services, global customer overview, transaction control and prevention of irregularities, and for commercial purposes.

When you disclose data, you are giving your consent for us to share those data with our employees who are responsible for carrying out one or more of the tasks set out above and, if applicable, with individuals appointed by you and/or the employees of other companies whose intervention is required to carry out one or more of the tasks set out above.

You give your consent for data about you to be exchanged between the – existing and future – companies in the Vanbreda Group in Belgium.

The purpose of this exchange of data is to permit the companies involved in it to carry out central customer administration, to maintain an overall view of their customers, to carry out studies, statistical work and/or marketing campaigns, to offer and provide the services mentioned above and to check that transactions are in order (including prevention of irregularities).

The updated list of companies in the Vanbreda Group that participate in data exchange is available under the heading ‘about Vanbreda’ or you can request it via info@vanbreda.be or using one of the other methods available for contacting us.

You also give your consent for the personal data that is processed in the context of implementation of the relevant contracts to be transmitted to countries outside the European Union, provided this is useful or necessary for the purpose of implementing contracts in which you are a policyholder, insured person or beneficiary.

Personal data that disclose your racial or ethnic origin are never processed unless these are evident from data used to identify you (such as your surname, first name, address and nationality). Personal data that disclose your political views, your religious or philosophical convictions or your membership of a trade union or relating to sexuality, are never processed unless these are evident from other data (e.g. payment transactions).

The organisation responsible for processing personal data is VANBREDA RISK & BENEFITS NV, having its registered office at 2140 Antwerp, Plantin en Moretuslei 297 – Commercial Register Antwerp, Antwerp division – VAT registration no.: BE 0404.055.676 – FSMA 13718 A-R, or one of its subsidiaries.

It is not impossible that our Privacy policy may be amended in future. We recommend that you review the text of this declaration from time to time so that you can keep up to date with any changes.

2.4.2 Right to review and correct personal data

You are entitled to access the data concerning you that is processed by us and you may, if necessary, arrange for correction of any data that are incorrect and deletion of any data that have been processed unlawfully.

You may at any time, free of charge and by a simple request, object to data about you being processed for direct marketing purposes and/or revoke your consent for the exchange of data about you within the Vanbreda Group in Belgium for direct marketing purposes; your request will be taken into account as quickly as possible. This can be done by sending an e-mail to info@vanbreda.be or using one of the other methods available for contacting us.

2.4.3 Commission for the protection of privacy

If you wish, you can obtain additional information on the legislation concerning the protection of personal privacy from the Commission for the protection of privacy, Hoogstraat 139, 1000 Brussels.

3. Use of our website

By using our website, you declare that you are aware of the information set out below.

By sharing personal data via the website, you are giving consent for Vanbreda to process those data as stipulated in our Privacy policy. Since the internet does not provide complete security, respect for your personal privacy can only be guaranteed if the personal data are disclosed using a means of communication which you have confirmed to be secure.

3.1.1 No guarantee

The texts on this website have been produced with care, but they are necessarily generalised in nature. They must not be viewed as advice or as a summary of the cover that is provided. Such a summary is provided only by the insurance policy that is taken out. We are entitled to amend, alter or remove the contents of the website.

None of the links to websites belonging to third parties are under our supervision. We have no authority over their content or other characteristics of those websites. We provide these links exclusively for the sake of user-friendliness and the fact that we include these links does not imply that we approve of the information on these websites.

The Vanbreda Group accepts no liability whatsoever for inaccuracies or errors in the information provided via our website. If you make decisions on the basis of that information, this is your own sole responsibility. You can contact us for tailored advice at any time.

3.1.2 Cookies

Cookies are small data files that are placed on your hard disk during your visit to a website.

The website of the Vanbreda Group uses ‘session cookies’, which remain active temporarily. Session cookies are removed from your computer as soon as you close your web browser. Moreover, our session cookies do not contain any personal information.

The cookies that are created on our website identify your specific wishes and preferences and make it possible to tailor our services to those needs.

Most web browsers are set by default to accept cookies. By changing the settings of his web browser, the internet user can request to be warned whenever a cookie is sent or even prevent cookies from being created or kept on his hard drive. However, the Vanbreda Group cannot guarantee access to their website to internet users who refuse the use of ‘session cookies’.

3.1.3 Copyright notice

All texts, drawings, photographs, films, names, trade and domain names, trademarks, logos, etc. mentioned on this site are protected by intellectual property rights and belong to the Vanbreda Group or to third parties.

It is forbidden, without prior written permission from us, to store the information offered on and via this website (other than as necessary in order to view the website), to reproduce it, alter it, publicise it, distribute or transmit it, sell it or otherwise transfer it or grant any rights over it to third parties.

The use of information on this website is only permitted if the following conditions are met:

(1) the copyright notice set out below is shown on all documents and copies which are reproduced or produced on the basis of this website (“the documents”),

(2) the documents are used exclusively for information and personal or non-commercial purposes and the documents are not placed on other networks,

(3) no alterations or changes are made to the documents.

Its use for other purposes is expressly prohibited by law and we may take legal recourse in case of any breach or infringement of our rights.

Copyright VANBREDA RISK & BENEFITS NV
All rights reserved.

Contact & identification details

You will find all contact and identification details on our contact page. We are available to advise you in either Dutch, French or English.

Vanbreda Risk & Benefits NV, Plantin en Moretuslei 297, 2140 Antwerp is licensed as an insurance intermediary by the FSMA under registration number 13718 A-R.
The register of insurance intermediaries is maintained by the FSMA (Congresstraat 12-14, 1000 Brussels) and can be found at www.fsma.be.

Questions & problems

For all questions and problems, please first contact Vanbreda Risk & Benefits NV, Plantin en Moretuslei 297, 2140 Antwerp by filling in this form or send an e-mail to info@vanbreda.be. Complaints may also be filed with the Insurance Ombudsman (de Meeûssquare 35, 1000 Brussels, Tel. + 32 2 547 58 71 – Fax + 32 2 547 59 75 – info@ombudsman.aswww.ombudsman.as) or via the online dispute resolution of the European Union.

Abonnieren Sie unseren Newsletter.