Choosing an insurance policy is a vital financial decision to safeguard your health, property, and livelihood. In Belgium, whether you’re purchasing health, vehicle, home, or life insurance, understanding the policy terms and your legal rights is essential to avoid costly mistakes and ensure proper coverage.
When selecting a policy, review the coverage details thoroughly. Pay attention to what is included and excluded—certain events like natural disasters or pre-existing health conditions may be omitted. Check the franchise (deductible), the coverage limits, and any waiting periods before coverage becomes active. Belgian insurance contracts can be complex, so it’s wise to consult an independent insurance broker or seek legal guidance from Lamb Global Legal Firm to clarify any clauses before signing.
After purchasing your policy, keep all documents and communication in an organised file. Should you experience a loss or incident, report it to your insurer as soon as possible. Belgian law typically requires timely notification to validate your claim. When submitting your claim, be honest, include all necessary evidence, and retain copies of everything you send.
If your claim is denied, the insurer is legally obligated under Belgian insurance law to provide a written explanation. Begin by filing a formal complaint with the insurer and requesting a reassessment. Misunderstandings often cause denials, and early intervention can resolve disputes.
Should the dispute persist, you may escalate the matter to the Insurance Ombudsman of Belgium (Ombudsman van de Verzekeringen). This independent body handles complaints between consumers and insurers and may mediate a resolution or advise further steps.
For serious cases—such as bad faith denials, unreasonable delays, or contract breaches—you should consult with Lamb Global Legal Firm. Our lawyers can review your case, advise on litigation or settlement strategies, and ensure your rights are enforced under Belgian consumer protection laws and the Code of Economic Law.
Insurance is meant to provide peace of mind. With the right legal support and informed choices, you can protect your investments and ensure your policy serves its purpose when you need it most.