Naveau Brussels Office : Insurance broker for expatriates and diplomats

The Brussels Office of the Naveau Group is YOUR indispensable privileged partner, for your insurance, as international institutions, staff members of European Institutions, NATO, Embassies, Diplomatic Missions, Permanent Representations within the EU & NATO, SHAPE, the United Nations, the Worldbank, the European School etc….

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Why ?

The Groupe Naveau, an insurance broker for over 80 years, is the ideal partner for your insurance needs. In addition to its solid expertise, the group’s experience has earned it a recognised reputation both in Brussels and throughout Wallonia, with numerous references. Constantly evolving, the group offers a personalised service that perfectly combines the human touch with the latest technologies to make the customer experience – your experience – optimal.

Our office offers attractive packages perfectly tailored to your specific needs via several insurance companies. Our specialised Advisor can provide you with a quick quote, personalised advice and follow up on your file. He is and will remain your privileged contact throughout the life of the contract and will support you through the various steps, backed up by a team of specialists.

Competitive negotiated rates.

Who can benefit from these specific products ?

The international organisations themselves, all persons (expatriates, local staff) working there AND their family members living under the same roof.

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Products and solutions tailored to your needs

Expertise, quality/speed of service and accessibility :

Car - International fleet :

Whether you are a Permanent Representation, a Diplomatic Mission, an Embassy or a diplomat in Belgium, our insurance office can provide you with comprehensive cover for your vehicle, tailored to your specific needs.

We insure : 

  • CD plates for the OFFICIAL vehicles of the Representation, Mission, Embassy & the private vehicles of diplomats (Type D identity card).
  • Normal (DIV online), International, INT01 & INT02 plates for vehicles belonging to LOCAL staff (Belgian identity card, type S & P) working there AND members of their families living under the same roof.

Your advantages in choosing Naveau to protect your car:

– Advantageous special conditions: choice of degressive value and excess to offer you the package best suited to your situation.

– Competitive rates negotiated with reputable companies.

– Accessibility and support for expatriates to help them settle in Belgium with peace of mind.

– Personalised advice and service, including when you leave (management of XA/WA plates).

Home

Our office offers a range of insurance cover for your building and contents.

As brokers, we also do our utmost to find the best fire insurance services from companies that take your specific situation into account.

A fire breaks out in your institution’s offices or in your home?

  • We’ll help you declare the claim
  • We organise the first visit and take part in the survey to assess and quantify the damage, defending your interests.
  • We take care of the final settlement with payment of the compensation to put you back in the same situation as before the loss.

This insurance covers a range of risks: fire, storm, hail, vandalism, water damage, electrical action, etc., with various additional options available, such as cover for theft or your garden. Your jewellery and works of art can also be covered separately.

For institutional buildings and the homes of diplomats/officials and their families.

Personal liability

Accidents happen : your child breaks the neighbour’s window with his ball, your dog bites a passer-by’s leg, you hit a vehicle with your shopping trolley… The amount of compensation can be high if you are held liable. With family liability insurance, you can protect yourself and your family effectively.

In the event of bodily injury and/or property damage caused to third parties in the course of private life and outside the scope of any contract, this policy covers :

  • your civil liability ;
  • the civil liability of people living under the same roof ;
  • and that of your pets.

Is Personal Liability Insurance or Family Liability Insurance compulsory ?

No it is not. Family insurance is not compulsory in Belgium. However, it is highly recommended. For a low price you are covered for €12,500,000 in personal injury and €2,500,000 in property damage in the event of a claim.

Who is covered by Family Civil Liability Insurance?

  • You ;
  • Your spouse if he/she lives with you ;
  • Your children living with you (even if they are in kot or Erasmus) ;
  • Your pets ;
  • People staying with you temporarily : friends, babysitters, etc.

Legal Protection

Disputes can happen quickly. For peace of mind, it’s best to have legal support and not have to worry about the costs that legal proceedings could entail. 

Justice is a particularly complex area. Taking out a legal protection insurance policy will give you a better understanding of your rights and enable you to obtain assistance if you need to assert them. Legal expenses insurance can be very useful in protecting you and defending you to the best of your ability when you are the victim of damage, but also when you cause damage. It covers the costs associated with mediation, attempts to reach an amicable solution or even legal proceedings (lawyer’s fees, correspondence, expert fees, etc.). If proceedings have to be brought, you are free to choose your lawyer.

Here are a few examples :

  • You are injured in a road accident : with your legal protection insurance, you will get help to obtain a fair settlement out of court. If mediation is unsuccessful, you can count on your legal expenses and lawyer’s fees being covered.
  • You have run a red light or committed a speeding offence and you receive a summons to appear before the police court : the court costs and lawyer’s fees for your defence may be covered. You will still have to pay the fine.
  • You are in dispute with your fire or family liability insurer : you will be defended against your insurer, and a second expert may be appointed.
  • You have ordered a new salon with a defective mechanism… : A letter can be sent to you with the necessary arguments to obtain compensation from the seller. If this amicable solution does not work, you can rely on your legal expenses insurance to cover the costs of proceedings and lawyers’ fees.

Please note that each insurer stipulates specific elements in their legal protection policies. Our specialists are at your service to analyse your policy carefully and/or offer you the legal protection insurance best suited to your needs.

Depending on your needs, there are two options :

  • Integrated legal protection

You can opt for legal protection insurance as a complement to another insurance policy – such as motor liability, fire, personal liability, etc. This insurance only covers situations related to the main policy. It is generally optional cover.

  • Stand-alone legal protection

You can also take out legal protection insurance independently of other insurance. This gives you complete independence and eliminates any possible conflict of interest.

Healthcare

Our office offers a wide range of healthcare insurance cover.

Belgian social security does not apply to diplomats. To make up for this shortcoming, we offer health care insurance at competitive rates for everything from hospitalisation, medication, vaccinations, medical check-ups abroad and emergency medical repatriation to group health insurance for your diplomats and their families. Various formulas are available.

Services and contacts for expatriates

Peace of mind and security in Belgium thanks to your Groupe Naveau insurance broker

Once you’ve moved to Belgium, settling in must take up a lot of your time and energy. The Brussels Office of the Naveau Group is here to help you with all your private and professional insurance needs.

  • Service and contact dedicated to expatriates, thanks to our Advisor who specialises in the specifics and particularities of your situation.
  • Claims management (from claim declaration to settlement, including assistance with expert appraisals).

Contact us

In short, with Groupe Naveau, you can count on a real partner for all your insurance needs, to make your stay in Belgium as comfortable as possible and give you complete peace of mind.

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