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General insurance

Insurance for your property and everyday risks.

From your home and car to liability and more specialised risks, we design cover around what genuinely needs to be insured.

Design your cover

The whole picture

What genuinely needs to be insured?

Not everyone needs the same cover. We start from the property you have, the liabilities you carry, and the financial cost a significant loss would represent.

From there, we can see which cover is relevant in your case and which is not.

  • Property

    Home · vehicle · valuables

  • Liability

    Towards third parties · professional activity · property ownership

  • Specific risks

    Travel · boat · pet · cyber · collections

The covers

Your property.

  • 01Car & motorcycle

    Compulsory third-party liability covers damage caused to others. Depending on the vehicle and your needs, cover such as own damage, theft, fire, natural events, glass breakage, roadside assistance and legal protection can be added. The right level of cover depends on the vehicle’s value, how it is used and who drives it.

  • 02Home & property

    Cover for the building, its contents or both, against risks such as fire, earthquake, flood, water damage, theft and other covered causes, depending on the programme. The building’s sum insured should reflect the rebuild cost, not the property’s market value.

Liability towards third parties.

  • 01Personal liability

    Cover for third-party claims for accidental bodily injury or property damage arising from everyday life, your home or other personal liabilities.

  • 02Professional liability

    For professionals, liability claims can arise from the work itself or the services they provide. Because every profession takes on different obligations, cover is designed profession by profession.

    Professional liability insurance

Specialist liability

When the liability concerns your work.

Personal liability covers everyday life. Professional practice and business activity need covers of their own, built around what you actually do.

More specific needs.

  • 01Pleasure craft

    Liability cover and, depending on the programme, protection for the vessel itself, the engine, theft, damage in transit and other specific risks.

  • 02Pet

    Cover may include veterinary costs from illness or accident, surgery, and liability for damage the animal causes to third parties.

  • 03Travel

    Cover may include medical costs abroad, repatriation, trip cancellation, delayed or lost baggage, and traveller’s liability.

  • 04Fine art & valuables

    Specialised cover for artworks, collections, jewellery and other items of particular value, with an insured value determined according to the item and the programme’s terms.

  • 05Cyber insurance

    Cover for specific digital-risk incidents, such as online fraud, identity theft or account compromise, depending on the programme.

    Business risk

How we design cover

The premium isn’t the only criterion.

Cover is also judged on how well it is designed, and on whether its terms are clear before it is needed.

  • The right sum insuredWe calculate the sum insured you need, based on replacement or rebuild cost where relevant.
  • Clear termsWe explain the core covers, deductibles and exclusions so you know what the policy includes.
  • Support at claim timeWe stay available for practical help with reporting and managing a claim.

Sum insured

The value of cover starts with the right calculation.

Illustrative example
Rebuild cost of a home€300,000
Declared sum insured€200,000

In this case, the property is insured for less than its real value. This is called underinsurance.

Underinsurance doesn’t only matter for total losses: compensation usually follows the same proportion on a partial claim too. In the example, a €30,000 claim would be settled at roughly €20,000. That is why the sum insured is worth revisiting. Application depends on the policy terms.

FAQ

Good to know.

  • Do I need home insurance if I have no mortgage?

    Home insurance isn’t only tied to a mortgage. It can protect the building and its contents against significant loss, depending on the covers chosen.

  • What does “deductible” mean?

    It’s the amount, or the part of a claim, that you bear yourself, according to the policy terms. The deductible you choose can affect both the level of cover and the premium.

  • Does car insurance cover the driver themselves?

    Compulsory liability mainly covers third parties. Cover for the driver, such as personal accident, can be added depending on the programme.

  • Why isn’t a home’s insured value the same as its market value?

    Because building insurance is usually based on the cost it would take to rebuild it, not the price at which the property could be sold.

  • Which general insurance policies do I need?

    There’s no single package for everyone. We look at your property, how it’s used, your financial obligations, your liabilities towards third parties, and the cost a significant loss would represent.

Your property is one part of your overall financial picture.

See our overall approach

The first conversation

Let’s see which covers genuinely make sense for you.

We look at what is already insured, what isn’t, and where there is a real gap in cover.

Let’s talk