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.
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The policyholder (who agrees to sign the insurance contract) and the members of the group of co-tenants who live under the same roof.
When they are working for one or more members of the group of cotenants for private purposes.
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.
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.
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:
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:
Exclusions and Limitations:
For the optional Co-tenant Damage coverage, the co-tenants are never insured against:
About designated driver (BOB) coverage, Flora will not intervene for material damage to the damaged vehicle if:
Damage caused by fire resulting from a blaze, combustion without flames, smoke or soot, or damage due to an explosion.
Damage resulting from leakage, overflowing, infiltration or backflow of water and the damage caused by dry rot.
Exclusions and Limitations:
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.
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.
Damage caused by natural disasters such as an earthquake, flood, subsidence or landslide, overflowing or backflow from public sewers.
Exclusions and Limitations:
Damage caused by natural disasters such as an earthquake, flood, subsidence or landslide, overflowing or backflow from public sewers.
Exclusions and Limitations:
Damage following an electrical problem or lightning.
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 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.
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.
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.
Damage caused to persons other than the landlord or co-tenants:
Exclusions and Limitations:
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:
Flora intervenes for damage caused to any possessions of the group of co-tenants by:
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.
In the event of a covered loss, Flora will intervene, provided that supporting documents are provided, for the costs:
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 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 des Croisiers 24, 4000 Liège. If you are not satisfied with the proposed solution, you can contact the Insurance Ombudsman through the website www.ombudsman.as or by mail: info@ombudsman.as.
You can also file a complaint online on the ODR platform of the European Commission.