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Nederlands

Co-tenant insurance Flora by Ethias

Coverages, limitations and exclusions

Co-tenant insurance by Flora

This insurance covers the home you live in as a group of co-tenants for the risks described below.

To make things clearer, this document explains the general terms and conditions of the contract in a Q&A format.

If you have any questions, contact us directly using the chat at the bottom of the page 👇

Who is covered by roommate insurance?

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The policyholder

The policyholder (who agrees to sign the insurance contract) and the members of the group of co-tenants who live under the same roof.

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Domestic staff

When they are working for one or more members of the group of cotenants for private purposes.

What risks are you and the other co-tenants insured against?

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Liability insurance

This insurance covers material damage caused to the co-tenants’ possessions and also cover any accidental damage that may be caused to neighbouring homes in the event of a covered loss.

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Contents insurance

This insurance covers material damage caused to the co-tenants’ possessions, whether they are privately owned or shared by the group of co-tenants also covers damage to guests’ possessions and pets belonging to the group of co-tenants.

What options are available?

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Theft and vandalism

If the group of co-tenants signs up for this option after consulting all the co-tenants, Flora will intervene in the event of vandalism, theft or attempted theft.

Exclusions and Limitations:

The co-tenants are never insured in the event of vandalism, theft or attempted theft:

  • in private garages or cellars located at an address other than the address of the property indicated in the special terms and conditions;
  • without burglary in the communal areas of a building, the garages and cellars located at the address of the rented property;
  • without burglary in structures, whether are not they are adjoining, that have no direct access to the rented property;
  • committed by or with the complicity of one or more members of the group of co-tenants or one or more guests or sub-letters/occupants of the shared home;
  • of motorised vehicles capable of travelling at more than 25 km/h or trailers and their fixed accessories;
  • in abandoned buildings;
  • of possessions belonging to the group of co-tenants located outdoors;
  • of an animal.

Co-tenant Damage

If the group of co-tenants signs up for this option after consulting all the co-tenants, Flora will intervene in the situations described below:

  • Liability between co-tenants
  • Assistance with conflict management
  • Designated driver (BOB) coverage

Exclusions and Limitations:

For the optional Co-tenant Damage coverage, the co-tenants are never insured against:

  • cosmetic damage such as stains, scratches, scuffing, dents or mismatching;
  • material or bodily harm caused between people in the sub-households of the group of cotenants (for example: a child who injures their mother, injury caused by married couples to each other etc.);
  • material or bodily harm caused at an address other than the home address of the group of co-tenants;
  • damage to entrusted possessions that belong to someone outside the group of co-tenants.

About designated driver (BOB) coverage, Flora will not intervene for material damage to the damaged vehicle if:

  • the co-tenant who took the wheel was not responsible for the accident;
  • the vehicle has comprehensive insurance;
  • the co-tenant who took the wheel was in a state of alcoholic intoxication or a similar state;
  • the co-tenant who took the wheel did not have a valid driving licence at the time of the accident or did not meet the legal conditions for driving the vehicle that suffered a loss.

In what circumstances are you and the other co-tenants insured?

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Fire

Damage caused by fire resulting from a blaze, combustion without flames, smoke or soot, or damage due to an explosion.

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Water

Damage resulting from leakage, overflowing, infiltration or backflow of water and the damage caused by dry rot.

Exclusions and Limitations:

  • damage to any of the elements composing the roof, including gutters and cornices;
  • damage caused by condensation, rising damp or flank diffusion;
  • damage resulting from leaking or overflowing water whose direct source is not a water system in the home of the group of co-tenants;
  • the value of the leaked liquid;
  • damage due to a failure to maintain the heating or water systems in the building.

All the co-tenants are obliged to maintain these systems and to make the necessary repairs and replacements or to inform the landlord if these repairs are the landlord’s responsibility.

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Windstorms and hail

Damage caused by windstorms, hailstorms, the pressure or movement of a quantity of compact snow or ice.

Exclusions and Limitations:

In the event of windstorms: damage to possessions located outside the home that are not securely fixed to the dwelling or anchored to the ground.

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Natural disasters

Damage caused by natural disasters such as an earthquake, flood, subsidence or landslide, overflowing or backflow from public sewers.

Exclusions and Limitations:

  • damage to possessions located outside the home that are not securely fixed to the dwelling or anchored to the ground;
  • damage to structures that can easily be moved or dismantled, those that are dilapidated or being demolished, and any contents they may have, if these structures do not constitute the main accommodation for the group of co-tenants;
  • damage to transported possessions;
  • damage to possessions whose repair is organised by specific laws or international conventions;
  • limited to a maximum of €2,500.00 for damage to garden sheds or storage and their contents, as well as plants, fencing and hedges;
  • conditions of compensation in the event of natural disasters: we cover expenditure under the conditions set down in article 130 § 2 of the Insurance Act of 4 April 2014.
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Broken glass

Damage caused by natural disasters such as an earthquake, flood, subsidence or landslide, overflowing or backflow from public sewers.

Exclusions and Limitations:

  • scratches and chips;
  • broken screens on smartphones, tablets or laptop computers;
  • broken objects made of glass or plastic not in the form of a pane;
  • limited to a maximum of two interventions per year for broken screens on televisions and computers intended to remain in place in the rented home.

Electricity

Damage following an electrical problem or lightning.

Heating oil

Damage resulting from overflowing or leaking heating oil from the heating system or the tank of the rented home or a neighbouring home.

Exclusions and Limitations:

  • damage coming from a tank that is not connected to the heating system;
  • damage due to a failure to maintain the tank. All the co-tenants are obliged to maintain these installations and to make the necessary repairs and replacements or to inform the landlord if these repairs are the landlord’s responsibility;
  • costs associated with repairing or replacing the tank;
  • limited to a maximum of €10,000.00 for the costs of remediation of polluted soil, in accordance with the minimum standards of the legal provisions;
  • limited to a maximum of €1,000.00 for the value of the leaked heating oil.

Collective protests by workers

Damage resulting from collective protests by workers such as strikes, demonstrations or assemblies, or resulting from measures taken by the authorities to safeguard and protect property during these events.

Exclusions and Limitations:

This coverage can be suspended by a ministerial decree. The suspension will begin seven days after notification of this decision.

Attacks

Damage caused by any form of riots, popular uprisings or acts of terrorism or sabotage, as well as the damage resulting from measures taken by the authorities to safeguard and protect property during these events.

Exclusions and Limitations:

This coverage can be suspended by a ministerial decree. The suspension will begin seven days after notification of this decision.

Violent accidental impacts

Material damage to your home contents or possessions due to a violent and accidental impact caused by a land, air or space vehicle or lifting equipment and their loads, by the collapse of parts of neighbouring buildings, by meteorites or by falling trees or pylons.

Exclusions and Limitations:

Damage caused by land vehicles belonging to members of the group of co-tenants or vehicles that have been entrusted to one of them.

What supplementary cover does Flora offer?

Assurance dégâts causés à d'autres personnes et à leurs biens

Damage caused to other persons and their possessions

Damage caused to persons other than the landlord or co-tenants:

  • by the co-tenants’ home contents (for example: a flowerpot belonging to a co-tenant falls onto the neighbours’ property and damages one of their possessions);
  • by part of the rented home or by the surrounding land and pavements (for example: someone is injured when they slip on a pavement that has not been cleared of snow).

Exclusions and Limitations:

  • damage caused by any construction, demolition or conversion work;
  • damage caused by a shortcoming or defect known of before the rental began;
  • damage caused due to the use of equipment intended for professional use only;
  • damage to the home rented by the group of co-tenants, the co-tenants’ possessions or the possessions entrusted to them;
  • damage caused to a third party with whom one or more members of the group of cotenants have a contractual relationship.

Damage following minor alterations

Accidental damage to the home shared by the group of co-tenants or neighbouring homes due to minor, decorative alterations carried out by one of the co-tenants.

Exclusions and Limitations:

  • damage caused by any construction, demolition or conversion work;
  • damage caused by a shortcoming or defect known of before the lease contract was signed;
  • damage caused by the use of equipment intended for professional use only;
  • scratches, stains, dents;
  • cosmetic damage;
  • limited to coverage of the damage up to a maximum of €5,000.00.
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Damage caused to co-tenants’ possessions following an incident at a neighbour’s home

Flora intervenes for damage caused to any possessions of the group of co-tenants by:

  • relief efforts or any means of extinguishing, preservation or rescue;
  • demolition or destruction works ordered to stop the damage from progressing;
  • collapses resulting directly from the damage;
  • fermentation or spontaneous combustion followed by a fire or explosion.

Emergency assistance

If the home included in the contract is temporarily uninhabitable or its contents are temporarily unusable as a result of a covered loss suffered in Belgium.

Pas de franchise

Reimbursement of the additional costs

In the event of a covered loss, Flora will intervene, provided that supporting documents are provided, for the costs:

  • requested by Flora or incurred by one of the members of the group of co-tenants in order to prevent or mitigate the loss in the event of imminent danger;
  • of rescue and storage;
  • of excavation and demolition required for the reconstruction or rebuilding of insured property;
  • of restoration of the garden up to a maximum of €10,700.00, except in the case of a natural disaster (see point 4.4);
  • of the funeral of an insured person who dies in a disaster or due to the direct effects of that disaster within a period of 365 days. Compensation is limited to €12,800.00 per claim.

In what circumstances are and the other co-tenants not insured?

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predates damages

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caused intentionally

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house in ruins or abandoned

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radioactivity, nuclear energy or ionising rays

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professional use

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asbestos

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war

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aircraft, boats, caravans

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vehicles with an engine capacity of more than 50 cc

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software, archives, plans, models and restoration of documents

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materials intended for the embellishment of the rented property

Legal information and documents

The contract is concluded for a period of one year. Every year, this contract is automatically renewed on its expiry date for a subsequent period of one year, unless it is cancelled by one of the parties at least 3 months before the contract expiry date.

Before subscribing to Flora tenant insurance, carefully check what is and is not covered in the product information sheet and the general terms and conditions. Flora Insurance is a registered trademark of Ethias SA. Ethias SA, with licence no. 196, rue des Croisiers 24, 4000 Liège, is an insurance company licensed in Belgium and subject to Belgian law. RPM Liège VAT BE 0404.484.654 – IBAN: BE72 0910 0078 4416 BIC: GKCCBEBB.

If you have a complaint, you can e-mail us at complaint@flora.insure or write to Flora Insurance, rue de Mulhouse 36, 4020 Liège. If you are not satisfied with the proposed solution, you can contact the Insurance Ombudsman through the website www.ombudsman-insurance.be or by mail: info@ombudsman-insurance.be

You can also file a complaint online on the ODR platform of the European Commission.

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