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General conditions 505 by Hiscox

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					General conditions
505 by Hiscox
	   505	by	Hiscox
	   General conditions TRS505-01012007




    Introduction

    I	am	delighted	that	you	have	chosen	Hiscox	to	protect	your	personal	assets.

    We	take	our	responsibility	as	insurer	extremely	seriously.		I	hope	for	both	our	sakes	that	you	do	
    not	have	a	loss,	but	if	you	do,	I	want	you	to	feel	that we are	there	with	all	our	energy	to	make	you	
    whole	again.

    If	you	ever	find	any	part	of	our	service	less	than	satisfactory,	please	do	not	hesitate	to	get	in	
    touch	with	me	personally.




    ROBERT	HISCOX
    Chairman	
Table of contents
1.   What are your obligations?                                                                                       1
     1.1.		To	declare	the	risk	and	any	changes	to	the	existing	situation	                                             1
     1.2.		To	pay	the	premium	                                                                                        1
     1.3.		To	prevent	and	minimise	losses	                                                                            1
     1.4.		To	notify	us	and	cooperate	in	the	event	of	a	loss	                                                         1

2.   What are our obligations?                                                                                         3
     2.1.	 General	principles	of	our	policy	and	general	exclusions	                                                    3
           2.1.1.	 General	principles	                                                                                 3
           2.1.2.	 Exclusions	applicable	to	all	covers	                                                                3
     2.2.		The	cover	and	the	exclusions	specific	to	each	of	the	covers	                                                3
           2.2.1.	 Fixtures and fittings	                                                                              3
           2.2.2.	 Contents	                                                                                           5
           2.2.3.	 Your	liability	by	reason	of	the	insured property.	                                                  7
     2.3.	To	keep	you	informed	                                                                                        8
     2.4.		To	intervene	in	the	event	of	a	loss	                                                                        9
           2.4.1.		 Evaluation	of	the	loss	or	damage	                                                                  9
           2.4.2.		 Payment	of	the	claim		                                                                             9
           2.4.3.		 Expert	appraisal	                                                                                 10
           2.4.4.		 Subrogation	                                                                                      10
           2.4.5.		 Recovered	property	                                                                               10
     2.5.	 To	adjust	the	premium	                                                                                     10
     2.6.		To	waive	our	entitlement	to	exercise	certain	rights	of	recovery	                                           11

3.   What is the framework for the policy?                                                                            12
     3.1.		Policy	period	and	period	of	cover	                                                                         12
     3.2.	 Indexing	the	sums	insured	and	changing	the	rate	                                                           12
     3.3.		What	happens	in	the	event	of	a	loss	if	you	fail	to	meet	your	obligations	                                  12
     3.4.		The	law	applicable	to	our	policy	and	the	courts	that	would	have	jurisdiction	in	the	event	of	litigation	   12
     3.5.		Domicile	and	correspondence	                                                                               13
     3.6.		Definitions	(the	terms	of	the	policy	which	have	a	precise	meaning)	                                        13

The words and expressions in italics are defined in the Definitions section included in these general conditions.

4.   Hiscox Assistance                                                                                                16
	                              505	by	Hiscox	                                                                                        1
	                              General conditions TRS505-01012007




                               1. What are your obligations?

1.1. TO DECLARE THE RISK       We	have	based	our	decision	to	accept	this	insurance	on	the	information	which	you	provided	to	
     AND ANY CHANGES TO THE    us. we agree	to	cover	the	risk	as	it	is	known	to	us.		
     EXISTING SITUATION
                               However	if	changes	occur	during	the	course	of	the	contract	(extensions,	improvements,	
                               alterations,	acquisitions,	new	fixtures and fittings,	etc.),	or	if	circumstances	arise	which	are	likely	
                               to	greatly	increase	the	risk	on	a	permanent	basis	(a	changed	occupancy,	for	example),	you	must	
                               tell	us	without	delay,	in	order	that we can	usefully	advise	you	and	agree,	where	necessary,	on	
                               changes	to	the	policy.	Should we fail	to	reach	an	agreement	or	if we are	unable	to	insure	the	
                               increased	risk, we reserve	the	right	to	cancel	the	policy.

                               You	must	submit	for	our	prior	approval	any	waivers	of	rights	of	recovery	which	you	have	
                               given	and	must	let	us	know	whether	you	took	out	a	mortgage	for	the	purchase	of	the	insured
                               property.	

                               You	must	equally	notify	us	of	any	other	insurances	which	you	have	taken	out	to	cover	your	
                               property	or	your	liability	by	reason	of	the	insured property.

                               If	you	transfer	ownership	of	the	insured	personal	property,	the	policy	shall	terminate	as	from	the	
                               moment	at	which	you	no	longer	have	possession	thereof.	


1.2. TO PAY THE PREMIUM        Based	on	the	agreed	terms	and	conditions,	you	must	pay	the	premium	which we or	your	broker	
                               request	from	you	via	a	notice	of	payment	or	a	premium	notice.	Should	you	fail	to	do	so, we may	
                               suspend	the	cover	afforded	under	the	policy	or	cancel	cover	within	fifteen	days	after	having	
                               notified	you	of	this.


1.3. TO PREVENT AND MINIMISE   It	is	up	to	you	to	take	the	measures	of	prevention	and	protection	for	the	insured property	that	
     LOSSES                    you	are	required	to	take	under	the	policy;	if	you	do	not we reserve	the	right	to	refuse	you	cover	
                               under	this	policy.


1.4. TO NOTIFY US AND TO       Whenever	a	loss	occurs	and	this	loss	affects	your	property	insured	under	this	policy	or	relates	
     COOPERATE                 to	your	liability	by	reason	of	the	insured property,	you	must	notify	us	of	this	as	soon	as	possible	
     IN THE EVENT OF A LOSS    and	at	the	latest	within	eight	days	of	the	occurrence	of	the	loss	or	as	soon	as	you	become	
                               aware	of	it.

                               If	your	insured property	is	affected,	to	notify	us	and	to	cooperate	means	as	far	as we are	
                               concerned	that:
                               •	 you	immediately	take	all	reasonable	measures	to	prevent	and	minimise	the	consequences	of	
                                   the	loss;	
                               •	 you	immediately	notify	the	public	authorities	concerned;	in	the	event	of	loss	or	theft,	you	
                                   report	the	offence	to	the	police	and	advise	the	bank	where	necessary	(theft	of	cheques,	of	
                                   payment	cards	or	of	securities),	no	later	than	24	hours	after	you	became	aware	of	the	loss	or	
                                   theft;	
                               •	 you	inform	us	in	writing	at	the	earliest	opportunity	of	the	date	and	time	of	the	loss,	as	well	as	
                                   the	known	or	presumed	circumstances	and	causes	of	the	loss;
                               •	 you	allow	us	to	inspect	the	site	where	the	loss	occurred	in	order	to	record	and	evaluate	the	
                                   loss;
                               •	 you	provide	us	as	soon	as	possible	with	a	detailed	estimate	(which	you	certify	as	being	true	
                                   and	accurate)	of	the	loss	and	of	the	value	of	the	insured property;	please	also	let	us	know	the	
                                   identity	of	the	owners;
2	   505	by	Hiscox
	    General conditions TRS505-01012007




     •	 you	do	not	abandon	any	of	the	insured property	and	you	keep	all	the	damaged	items	at	our	
        disposal	until	the	expert	appraisal	has	been	completed;
     •	 except	where	necessary,	you	do	not	make	any	change	to	the	damaged	property	which	is	
        likely	to	make	it	impossible	or	more	difficult	to	determine	the	causes	of	the	loss	or	to	estimate	
        the	loss	or	damage;
     •	 you	tell	us	about	any	insurance	you	may	have	taken	out	with	other	insurers	to	cover	the	
        fixtures and fittings	or	the	contents;
     •	 you	do	nothing	which	might	hinder	the	rights	of	recovery	which we might	exercise	against	
        any	person	liable	for	the	loss	or	damage.

     If	your	liability	insured	by	reason	of	the	insured property	is	alleged,	to	notify	us	and	to	cooperate	
     shall	also	mean	that:
     •	 you	forward	to	us	all	legal	documents	within	48	hours	of	their	being	served	(notice,	
         summons,	writ,	etc);
     •	 you	appear	at	the	hearings	and	complete	the	procedural	formalities	which we ask	you	to	
         complete; we reserve	the	right	to	assume	responsibility	for	handling	the	civil	proceedings	and	
         all	negotiations	with	third	parties,	as	well	as	the	option	of	voluntarily	applying	to	be	joined	to	
         the	civil	or	criminal	proceedings;
     •	 you	refrain	from	admitting	any	liability,	from	negotiating,	from	offering	to	settle	or	from	settling	
         the	loss	or	damage	(which	does	not	prevent	you	from	providing	a	victim	with	material	or	
         medical	assistance,	or	from	simply	admitting	the	facts).
	                             505	by	Hiscox	                                                                                       3
	                             General conditions TRS505-01012007




                              2. What are our obligations?

2.1. GENERAL PRINCIPLES OF    2.1.1. The cover we provide is based on the following principles:
     OUR POLICY AND GENERAL          •	 Within	the	limits	of	the	policy,	you	are	covered	for	losses	affecting	the	insured
     EXCLUSIONS                         property,	with	the	exception	of	the	losses	excluded	hereunder.
                                     •	 You	are	covered	up	to	the	limit	of	the	sums	insured	appearing	in	the	schedule,	subject	
                                        to	the	(non-indexed)	limits	or	sub-limits	provided	for	in	the	general	conditions.
                                     •	 Where	the	premium	has	been	paid,	you	are	covered	provided	the	loss	occurred	during	
                                        the	policy	period,	but	not	if	cover	has	been	suspended.
                                     •	 Cover	is	subject	to	the	deduction	of	a	non-indexed	excess	as	shown	in	the	schedule,	
                                        unless	the	loss	exceeds	the	sum	of	EUR	10.000,	in	which	case	the	excess	will	not	be	
                                        applicable.	You	shall	benefit	from	the	sums	insured,	including	the	sub-limits	set	forth	in	
                                        the	general	conditions,	only	once	for	each	loss,	irrespective	of	the	number	of	policies	
                                        which	you	have	taken	out	with	us.
                                     •	 As	far	as	your	insured property	is	concerned, we will	not	apply	any	proportional	
                                        reduction	of	the	claim	payment		if	you	are	underinsured.
                                     •	 We	shall	indemnify	you	for	the	salvage	costs	reasonably	incurred	for	the	purposes	
                                        of	preventing,	stopping	or	limiting	a	loss,	including	the	costs	of	preserving	of	the	
                                        salvaged	insured property,	up	to	the	limit	of	the	total	sum	insured.
                                     •	 We	shall	pay	you	for	the	costs	and	fees	of	the	second	expert,	approved	by	us	or	
                                        by	any	recognised	loss	adjusters	association,	whom	you	have	appointed	to	assess	
                                        the	material damage	to	the	insured property		caused	by	a	loss	which	is	covered	
                                        hereunder.	The	amount	reimbursed	will	not	exceed	the	amounts	shown	in	the	table	
                                        shown	below.	

                                     	   INDEMNITY	                SCALE	BASED	ON	THE	ABEX	590	INDEX
                                     	   Less	than	EUR	4.000	      5%	
                                     	   EUR	4.001-EUR	15.000	     EUR	200	+	3.5%	for	the	portion	exceeding	EUR	4.001
                                     	   EUR	15.001-EUR	45.000	 EUR	600	+	3%	for	the	portion	exceeding	EUR	15.001
                                     	   EUR	45.001-EUR	135.000	 EUR	1.500	+	2.5%	for	the	portion	exceeding	EUR	45.001
                                     	   EUR	135.001-EUR	270.000			EUR	4.400	+	2%	for	the	portion	exceeding	EUR	135.001
                                     	   More	than	EUR	270.000	    EUR	7.500	+	1%	for	the	portion	exceeding
                                     	   	                         EUR	270.000	subject	to	a	maximum	of	EUR	20.000


                              2.1.2. Exclusions applicable to all covers
                                     We	shall	not	insure:
                                     1.	 any	loss	or	damage	caused	intentionally	by	you	or	by	anyone	acting	on	your	behalf	or	
                                         for	whom	you	are	responsible;
                                     2.	 any	loss	or	damage	resulting	directly	or	indirectly:
                                         •	 from	war	or	similar	events	and	from	civil	war	or	similar	events;
                                         •	 from	confiscation,	expropriation,	nationalisation	or	requisition;
                                         •	 from	any	nuclear	reaction	or	radiation,	or	from	any	contamination	as	a	result	of	
                                            radioactivity;
                                     3.	 that	part	of	the	loss	or	damage	resulting	directly	or	indirectly	from	an	act of terrorism,	
                                         either	nuclear,	biological	or	chemical	(NBC),	which	exceeds	EUR		1.170.057.



2.2. THE COVER AND THE        2.2.1. Fixtures and fittings
     EXCLUSIONS SPECIFIC TO
     EACH OF THE COVERS              2 .2.1.1 Cover for the fixtures and fittings

                                               We	will	insure	the fixtures and fittings shown	in	the	schedule	against	material
                                               damage.
4	   505	by	Hiscox
	    General conditions TRS505-01012007




                    If	you	move	home,	you	must	inform	us	as	soon	as	possible.	If	you	move	home	
                    within	Belgium, we undertake	to	extend	the	policy	automatically	to	your	new	
                    address	for	a	period	of	30	days	with	effect	from	the	date	you	move.	


                    Our additional covers:
                    Replacement        in	the	event	of	loss	or	theft	of	the	keys	of	your	apartment	
                    of locks and keys: or	an	annex, we will	pay	the	cost	of	replacing	the	locks	and	
                                       keys,	without	any	excess,	up	to	a	maximum	of	EUR	2.500	
                                       (non-indexed).


                    Extension of cover to include certain costs, if you have a loss covered
                    under:
                    Alternative       provided	such	costs	are	not	covered	by	another	
                    accommodation: insurance, we will	pay	for	the	actual	cost	of	alternative	
                                      accommodation,	for	a	maximum	period	of	three	years	
                                      during	which	the	apartment	cannot	be	lived	in	because	of	
                                      repair	or	reconstruction	or	pending	a	replacement.

                    Costs of repair:      within	the	limit	of	the	sums	insured, we will	pay	the	cost	of	
                                          repairing	the	fixtures and fittings	if	this	is	necessary	as	a	
                                          result	of	damage	caused	by	the	emergency	services.	

                    Costs of              we	will	pay	the	cost	of	demolition,	clearance	and	removing	
                    demolishing           debris	of	the	fixtures and fittings,	up	to	a	maximum	of	
                    the fixtures and      EUR	25.000	(non-indexed).
                    fittings and
                    removing the
                    debris :


          2.2.1.2. Exclusions specific to the cover for the fixtures and fittings

                    We	will	not	insure:
                    1.	 any	loss	or	damage	caused	by	your	pets;
                    2.	 any	loss	or	damage	resulting	directly	or	indirectly:
                        a)	 from	any	deterioration	caused	by	wear	and	tear,	by	rust,	oxidation,	
                            rot,	fungus	or	mould	(unless	as	the	result	of	an	insured	water	damage	
                            loss),	insects,	warping	or	any	deformation	or	shrinkage,	or	the	use	of	
                            unsuitable	materials	or	defective	parts;
                        b)	 from	any	deterioration	caused	by	dryness,	humidity,	variations	in	
                            temperature	or	humidity	or	by	exposure	to	light;
                        c)	 from	any	construction,	demolition,	alteration,	repair	or	similar	work;	
                        d)	 from	any	gradual	deterioration,	including	gradual	deterioration	caused	by	
                            smoke	or	by	rising	damp;
                        e)	 from	inherent	vice,	latent	defect	or	improper	use;
                        f)	 from	a	failure	to	carry	out	essential	maintenance	or	repair,	or	from	clear	
                            negligence	on	your	part;
                        g)	 from	any	pollution	or	contamination;
	   505	by	Hiscox	                                                                                      5
	   General conditions TRS505-01012007




                  3.	 the	malfunctioning	or	breakdown	of	mechanical,	electrical	or	electronic	
                      components,	unless	this	is	the	consequence	of	an	accidental	event	external	
                      to	the	item	itself;
                  4.	 theft,	attempted	theft	and	vandalism	committed	by	members	of	your	family	
                      who	live	with	you;
                  5.	 as	far	as	water	damage	is	concerned,	any	damage	caused	directly	or	
                      indirectly:
                      a)	 by	pressure,	leakage	or	seepage	of	underground	water;
                      b)	 by	frost	or	by	thaw	unless,	before	going	away	for	longer	than	60	days,	
                          you	drain	the	water	systems	or	keep	the	apartment	heated	throughout;
                  6.	 any	loss	or	damage	whenever	the	apartment	is	not	sufficiently	furnished	for	
                      normal	living	purposes,	unless	the	loss	or	damage	has	been	caused	by	fire,	
                      explosion	or	lightning;
                  7.	 any	loss	or	damage	caused	by	coastal	erosion	or	erosion	of	a	river	bank.


    2.2.2. Contents

          2.2.2.1 Cover for contents

                  We	will	insure	your	contents	against	material damage	anywhere	in	the	world.	
                  However:
                  •	 Within	your	contents,	your	personal effects	will	be	covered	up	to	a	maximum	
                     of	EUR	10.000	(non-indexed)	if	the	loss	occurs	at	an	address	other	than	the	
                     address	shown	in	the	schedule.
                  •	 Within	the	limit	of	the	sum	insured	shown	in	the	schedule	with	respect	to	the	
                     contents,	fine art	is	covered	up	to	a	maximum	of	EUR	25.000	(non-indexed)	
                     any	one	item.	Valuables	are	covered	up	to	a	maximum	of	EUR	10.000	(non-
                     indexed)	any	one	loss	when	in	a	safe,	or	EUR	5.000	(non-indexed)	any	one	
                     loss	when	outside	a	safe.	


                   The	following	property	is	subject	to	specific	sub-limits:

                   Contents of         Contents	contained	in	annexes	are	covered	up	to	a	
                   annexes:            maximum	of	EUR	2.500	(non-indexed)	any	one	loss.

                   Fridge	and	freezer we	will	pay	for	material damage	to	food	in	fridges	and	
                   contents:          freezers	situated	in	the	apartment	or	annex	as	a	result	of	
                                      an	accidental	shutdown	or	of	an	accidental	power	supply	
                                      failure.
                                      We	will	pay	up	to	a	maximum	of	EUR	5.000	(non-indexed)	
                                      any	one	loss.		No	excess	will	apply.


                   Money:              in	the	event	of	a	loss	relating	to	money, we will	pay	up	to	a	
                                       maximum	of	EUR	1.000	(non-indexed)	any	one	loss.
6	   505	by	Hiscox
	    General conditions TRS505-01012007




                   Our additional covers:
                   Property	in	      we	will	pay	for	material damage	to	contents	which	are	in	
                   your	custody	     your	custody	for	any	reason	whatsoever,	or	which	belong	to	
                   or	belonging	     people	staying	temporarily	in	your	home,	up	to	a	maximum	
                   to	guests	or	to	  of	EUR	5.000	(non-indexed)	any	one	claim.	Valuables,	fine
                   domestic	staff:   art	and	money	are	excluded.

                   Reconstitution	of	    we	will	pay	the	cost	of	research	and	investigation	required	
                   documents	and	        to	reconstitute	the	documents,	books,	personal	computer	
                   data	in	the	event	    data	and	personal	records	located	in	the	apartment,	up	to	a	
                   of	an	insured	loss:   maximum	of	EUR	5.000	(non-indexed)	any	one	loss.

                   Identity theft:       we	will	pay	up	to	a	maximum	of	EUR	12.500	(non-indexed)	
                                         any	one	loss,	for	the	following	reasonable	and	necessary	
                                         expenses	you	have	to	pay	solely	as	a	direct	result	of	an	
                                         identity theft	:
                                         •	 cost	of	defending	an	action	against	you	by	a	financial	
                                            institution,	to	remove	an	incorrect	judgment,	to	challenge	
                                            a	consumer	credit	rating,	or	to	witness	your	signature;
                                         •	 the	cost	of	sending	registered	letters	and	making	
                                            telephone	calls	to	the	police,	financial	institutions	and	
                                            credit	agencies;
                                         •	 the	fees	or	costs	charged	when	you	re-apply	for	a	loan	
                                            which	had	previously	been	rejected;	
                                         •	 your	loss	of	earnings	resulting	from	the	time	you	have	
                                            to	take	off	work	in	order	to	talk	to	the	police,	financial	
                                            institutions	or	credit	agencies

                                         We	do	not	cover	any	identity theft	connected	with	your	
                                         professional	activities.	

                                         An	act	or	series	of	acts	against	one	of	you	by	any	person	or	
                                         group	of	people	is	considered	to	be	a	single	act	of	identity
                                         theft.		


          2.2.2.2. Exclusions specific to the contents cover.

                   1.	 any	loss	or	damage	resulting	directly	or	indirectly:
                       a)	 from	repair,	restoration,	or	framing	or	from	any	similar	work	performed	by	
                           a	professional;
                       b)	 from	a	computer	error,	from	a	computer	malfunction,	or	from	a	computer	
                           virus;
                       c)	 from	any	deterioration	caused	by	wear	and	tear,	by	rust,	oxidation,	
                           rot,	fungi	or	mould	(unless	as	the	result	of	an	insured	water	damage	
                           loss),	insects,	warping	or	any	deformation	or	shrinkage,	or	the	use	of	
                           unsuitable	materials	or	defective	parts;
                       d)	 from	any	deterioration	caused	by	dryness,	humidity,	variations	in	
                           temperature	or	humidity	or	by	exposure	to	light;
                       e)	 from	any	gradual	deterioration,	including	gradual	deterioration	caused	by	
                           smoke	or	by	rising	damp;
                       f)	 from	inherent	vice,	latent	defect	or	improper	use;
                       g)	 from	a	failure	to	carry	out	essential	maintenance	or	repair,	or	from	clear	
                           negligence	on	your	part;
	          505	by	Hiscox	                                                                                          7
	          General conditions TRS505-01012007




								                               h)	 from	any	pollution	or	contamination;
                                       i)	 as	far	as	wines	and	liqueurs	are	concerned,	from	porosity,	from	
                                           accidental	leakage	or	natural	loss	of	contents,	as	well	as	from	inherent	
                                           vice,	cork	fly	or	climatic	conditions;
                                 2. loss	or	damage	caused	to	non-standard	software;
                                 3.	 any	loss	or	damage	occurring	during	transport,	whenever	this	is	the	result	of	
                                       insufficient	or	poor	packaging	or	packing;
                                 4.	 theft	of	contents	while	being	transported	in	a	vehicle	left	unattended,	
                                       whenever	the	items	are	visible	from	outside	the	vehicle;
                                 5.	 as	far	as	water	damage	is	concerned,	any	damage	caused	directly	or	
                                       indirectly:
                                       a)	 by	pressure,	leakage	or	seepage	of	underground	water;
                                       b)	 by	frost	or	by	thaw	unless,	before	going	away	for	longer	than	60	days,	
                                           you	drain	the	water	systems	or	keep	the	apartment	heated	throughout.	
                                           This	exclusion	shall	however	apply	in	all	cases	if	a	swimming	pool	is	
                                           concerned;
                                 6.	 the	malfunctioning	or	breakdown	of	mechanical,	electrical	or	electronic	
                                       components,	unless	this	is	the	consequence	of	an	accidental	event	external	
                                       to	the	item	itself;
                                 7.	 theft,	attempted	theft	and	vandalism	committed	by	members	of	your	family	
                                       who	live	with	you;	
                                 8.	 any	loss	or	damage	caused	by	your	pets;	
                                 9.	 any	loss	or	damage	caused	by	coastal	erosion	or	erosion	of	a	river	bank.
                     									10.			any	loss	or	damage	caused	by	you	not	receiving	goods	or	services	you	have
                     																		paid	for	through	any	internet	website.


           2.2.3. Your liability by reason of the insured property.

                  2.2.3.1. Cover of your liability by reason of the insured property.

                            Within	the	scope	of	this	policy,	if	a	third	party	brings	action	alleging	your	liability	
                            by	reason	of	the	insured property, we will	meet	the	costs	of	your	defence,	will	
                            handle	any	civil	proceedings	and	will	be	entitled	to	freely	exercise	all	rights	of	
                            recovery.	However,	where	you	are	subject	to	a	criminal	prosecution, we may	
                            exercise	these	rights	of	recovery	only	with	your	agreement.
                            If	you	are	found	liable,	the	cover	will	be	limited,	for	any	one	loss,	to	a	maximum	
                            of	EUR	20.066.239	(indexed	at	the	Consumer	Price	Index,	hereinafter	
                            abbreviated	to	Cpi)	for	bodily injury	and	EUR	1.003.311	(indexed	at	the	Cpi)	for	
                            material damage.	


                            We	alone	shall	be	entitled,	within	the	limit	of		our	cover,	to	negotiate	a	
                            settlement	with	the	injured	persons.
8	                          505	by	Hiscox
	                           General conditions TRS505-01012007




                                             Our additional covers:
                                             Vacations:        we	undertake	to	pay	you	for	material damage	caused	to	
                                                               property	which	you	rent	or	occupy	for	a	maximum	duration	
                                                               of	90	days,	and	for	which	you	are	liable	in	your	capacity	as	
                                                               tenant	or	occupier.

                                                                   We	will	pay	you	on	an	actual cash value	basis	up	to	a	
                                                                   maximum	of	EUR	1.003.311	(indexed	at	the	Cpi)	for	any	
                                                                   one	loss.

                                             Property	rented	for	 we	undertake	to	pay	you	for	the	material damage	caused	
                                             study	purposes: to	the	accommodation	(and	to	the	contents	of	the	same)	
                                                                  rented	by	your	children	while	they	are	studying.	

                                                                   We	shall	pay	you	on	an	actual cash value	basis	up	to	a	
                                                                   maximum	of	EUR	1.003.311	(indexed	at	the	Cpi)	for	any	
                                                                   one	loss.

                                                                   This	cover	will	apply	if	your	liability	as	tenant	is	not	covered	
                                                                   by	another	policy.	

                                             Rights	of	recovery	 we	shall	insure	your	liability	for	material damage	caused	
                                             of	tenants	or	      by	a	loss	covered	hereunder	which	results	in	damage		to	
                                             occupiers:          personal	property	belonging	to	your	tenants,	whenever	
                                                                 such	damage	is	the	result	of	a	constructional	defect	or	
                                                                 defective	maintenance.

                                                                  We	shall	pay	you	on	an	actual cash value	basis	up	to	a	
                                                                  maximum	of	EUR	1.003.311	(indexed	at	the	Cpi)	for	any	
                                                                  one	loss.


                                   2.2.3.2. Exclusions specific to the cover for your liability by reason of the insured property.

                                            Subject	to	the	application	of	the	additional	covers, we shall	not	insure:
                                            1.	 any	bodily injury	suffered	by	you	or	by	an	insured	person;
                                            2.	 any	material damage	to	any	property	which	belongs	to	you	or	an	insured	
                                                person	or	which	is	entrusted	to	you	or	an	insured	person	for	safekeeping	or	
                                                use;
                                            3.	 any	loss	or	damage	for	which	your	civil	liability	has	been	incurred,	if	such	
                                                liability	is	subject	to	compulsory	insurance;
                                            4.	 any	fine	or	penalty	of	any	kind	whatsoever;	
                                            5.	 any	loss	or	damage	resulting	directly	or	indirectly:	
                                                a)	 from	a	professional	activity	or	from	any	activity	from	which	you	draw	an	
                                                    income;	
                                                b)	 from	non-accidental	pollution.


2.3. TO KEEP You INFORMED   We	undertake	to	keep	you	informed:	
                            •	 of	your	rights	if	there	are	any	changes	to	the	conditions	of	this	insurance;	except	when	the	
                               risk	has	changed, we undertake	not	to	amend	the	general	conditions	during	the	course	of	the	
                               contract;
                            •	 of	the	adjustment	and	handling	of	your	case	if	you	have	a	loss.
	                          505	by	Hiscox	                                                                                       9
	                          General conditions TRS505-01012007




2.4. TO INTERVENE IN THE   We	undertake	to:
     EVENT OF A LOSS       •	 evaluate	the	loss	or	damage	in	the	event	of	a	loss,
                           •	 pay	the	claim	in	the	event	of	an	insured	loss	as	soon	as	possible,	or	
                           •	 repair,	reimburse	or	replace	the	damaged	items,

                           subject	to	the	following	conditions:

                           2.4.1. Evaluation of the loss or damage

                                  2.4.1.1. For fixtures and fittings

                                            Unless	otherwise	agreed, we shall	pay	you,	for	any	one	loss,	on	the	basis	of	
                                            the	replacement cost	as	at	the	date	of	the	loss,	up	to	the	sum	insured	for	the	
                                            fixtures and fittings. we reserve	the	right	to	pay	the	indemnity	as	and	when	the	
                                            reconstruction	or	repair	takes	place.


                                  2.4.1.2. For contents

                                            •	 In	the	event	of	a	total	loss, we shall	pay	you	on	the	basis	of	the	replacement
                                               cost;
                                            •	 In	the	event	of	a	partial	loss, we shall	pay	you	the	cost	to	repair	the	items,	if	
                                               the	cost	is	less	than	the	market value.	In	all	other	cases, we shall	pay	you	the	
                                               market value.	


                                  2.4.1.3. For valuables and fine art

                                            •	 In	the	event	of	a	total	loss,	and	up	to	the	sums	insured	and	the	sub-limits	
                                               provided	for	in	the	policy, we shall	pay	you	the	market value.	However,	in	
                                               the	case	of	jewellery	or	watches, we reserve	the	right	to	arrange	for	their	
                                               replacement.
                                            •	 In	the	event	of	a	partial	loss,	and	up	to	the	sums	insured	and	the	sub-limits	
                                               provided	for	in	the	policy, we shall	pay	you	for	the	items	to	be	restored,	
                                               including	any	loss	in	value	following	repair,	if	such	costs	are	less	than	the	
                                               market value.	In	all	other	cases, we shall	pay	you	the	market value.


                                  2.4.1.4 For your civil liability by reason of the insured property

                                            We	shall	pay	you	for	the	damages	for	which	you	are	held	liable,	up	to	the	limits	
                                            of	liability	and	subject	to	the	applicable	exclusions.


                           2.4.2. Payment of the claim

                                  Provided	that	you	have	met	your	obligations	and	in	the	absence	of	any	dispute, we
                                  undertake	to	pay	the	amount	of	the	indemnity	within	ten	working	days	of	us	receiving,	at	
                                  our	offices,	your	agreement	to	the	proposed	claim	payment.	

                                  If we do	not	pay	within	ten	days	and	for	claim	payments	exceeding	EUR	5.000, we shall	
                                  pay	interest	on	arrears,	pro	rata	to	the	number	of	days	of	delay,	at	the	rate	of	the	Belgium	
                                  National	Bank,	provided	payment	is	to	a	bank	account	in	Belgium.

                                  If	you	have	not	complied	with	all	your	obligations	under	this	policy,	the	time	limit	above	
                                  will	only	apply	from	the	day	after	the	day	on	which	you	complied	with	these	obligations.
10	                          505	by	Hiscox
	                            General conditions TRS505-01012007




                             2.4.3. Expert appraisal

                                    If	you	and we do	not	agree	on	the	amount	of	the	claim,	the	claim	shall	be	estimated,	with	
                                    the	participation	of	both	parties,	by	two	experts,	one	of	whom	shall	be	appointed	by	you	
                                    and	the	other	by	us.	In	the	event	of	disagreement	between	them,	these	experts	shall	be	
                                    joined	by	a	third	expert.	
                                    The	three	experts	shall	form	a	panel	and	shall	rule	on	matters	by	majority	vote.	If	one	
                                    of	the	contracting	parties	fails	to	appoint	its	expert	or	if	the	two	experts	fail	to	agree	on	
                                    the	choice	of	the	third	expert,	this	nomination	will	be	made,	at	the	request	of	the	more	
                                    diligent	party,	by	the	president	of	the	court	of	first	instance	in	whose	judicial	district	your	
                                    home	is	located.	If	the	third	expert	is	nominated,	his	fees	and	expenses,	as	well	as	the	
                                    costs	of	his	appointment,	shall	be	shared	equally	between	us.	
                                    The	experts	shall	be	exempted	from	the	observance	of	any	formalities.	Their	decision	is	
                                    final	and	irrevocable.

                                    We	shall	pay	the	fees	and	expenses	of	your	expert	within	the	limits	indicated	in	Chapter	
                                    2.1.1	“General	principles”.	If	a	third	expert	is	appointed,	each	party	will	bear	half	of	the	
                                    expenses	and	fees	of	the	third	expert.


                             2.4.4. Subrogation

                                    After	paying	a	claim	to	an	insured	person	or	the	third	party,	depending	on	our	obligations,
                                    we may	take	action	in	your	stead	against	the	third	parties	liable	for	the	loss	or	damage,	
                                    within	the	limits	of	the	sums	which we have	paid	out. we undertake	not	to	prejudice	your	
                                    right	to	pursue	recovery	of	that	part	of	the	loss	or	damage	which	was	not	insured.


                             2.4.5. Recovered property

                                    If	the	lost	or	stolen	item	is	recovered,	you	must	tell	us	by	registered	letter.	
                                    If	the	claim	has	not	yet	been	paid,	you	must	take	possession	of	the	item.	
                                    If	the	claim	has	been	paid,	the	damaged	items	will	belong	to	us.	You	will	have	the	option	
                                    of	taking	possession	of	the	item	in	return	for	repaying	the	claim,	less	any	costs	of	repair	
                                    and	recovery.

                                    You	must	inform	us	of	your	decision	within	three	months,	once	the	item	of	property	is	free	
                                    and	unencumbered.	Otherwise, we shall	remain	the	owner	as	of	right. we shall	pay	you	
                                    the	reasonable	costs	which	you	have	incurred	in	recovering	the	item.


2.5. TO ADJUST THE PREMIUM   If	there	is	a	significant	and	permanent	reduction	in	the	risk	and	if	this	new	situation	justifies	more	
                             favourable	terms	and	conditions, we will	offer	you	a	corresponding	reduction	in	the	premium	as	
                             from	the	date	on	which	you	notified	us	of	this	change.	If	there	is	an	increase	in	the	risk	during	the	
                             policy	period	and	if we agree	to	insure	the	additional	risk,	the	premium	will	be	adjusted,	based	
                             on	the	terms	and	conditions	in	force	at	that	time.
	                              505	by	Hiscox	                                                                                   11
	                              General conditions TRS505-01012007




2.6. TO WAIVE OUR              We	hereby	waive	our	rights	of	recovery	against:
     ENTITLEMENT TO EXERCISE   •	 you,	for	damage	to	property	insured	on	behalf	of	and	for	the	benefit	of	third	parties;
     CERTAIN RIGHTS OF         •	 “nu-propriétaires”	and	“usufruitiers”	insured	jointly	under	this	policy;
     RECOVERY                  •	 co-owners	insured	jointly	under	this	policy;
                               •	 your	descendants,	your	ascendants,	your	spouse,	your	immediate	family,	as	well	as	
                                  members	of	your	staff	and	people	living	in	your	home;
                               •	 suppliers	of	electricity,	gas,	steam,	and	hot	water,	supplied	via	pipes	and	transmission	lines,	
                                  as	well	as	state-owned	companies,	against	whom,	and	to	the	extent	that	you	are	obliged	to	
                                  do	so,	you	have	waived	your	rights	of	recovery;	


                               The above-mentioned waivers of rights of recovery shall not apply:
                               •				where negligence or malicious acts are involved;
                               • to the extent that the person responsible has taken out liability insurance.
12	                                   505	by	Hiscox
	                                     General conditions TRS505-01012007




                                      3. What is the framework for the policy?

3.1. POLICY PERIOD AND PERIOD The	contract	shall	be	complete	once	it	has	been	signed	by	you	and	by	us.	It	is	agreed	for	a	
     OF COVER                 period	of	one	year	and	shall	be	renewed	automatically	at	each	anniversary	date	for	the	same	
                              period.	At	least	three	months	before	the	date	of	renewal	of	the	policy,	both	you	and we may	
                              decline	this	automatic	renewal	in	a	letter	sent	by	registered	post.	The	notice	period	shall	begin	
                              the	day	after	the	letter	is	posted.	

                                      The	policy	shall	begin	on	the	date	the	first	premium	instalment	is	paid.	Cover	will	start	at	00:00	h.	
                                      The	policy	will	terminate	at	24:00	h.

                                      You	may	cancel	the	policy,	with	immediate	effect,	within	fourteen	days	of	the	date	the	contract	
                                      is	concluded,	or	from	the	date	on	which	you	receive	the	policy,	if	this	is	later. we shall	have	the	
                                      same	right,	subject	to	prior	notice	of	eight	days.	
                                      If we believe we are	no	longer	in	a	position	to	insure	the	risk	after	a	claim	is	made, we reserve	the	
                                      right	to	cancel	the	policy	no	later	than	one	month	after	payment	of	the	claim	or	after we decline	
                                      the	claim.	

                                      You	may	exercise	the	same	right,	following	each	loss,	no	later	than	one	month	after we pay	or	
                                      decline	the	claim.


3.2. ADJUSTMENT OF THE SUMS Your	policy	is	indexed	in	line	with	inflation.	The	sums	insured	and	the	premium	will	change	every	
     INSURED AND OF THE RATE year	at	the	anniversary	date	based	on	the	difference	between	the	index	applicable	as	at	the	
                             anniversary	date	and	the	index	at	the	start	of	the	policy,	shown	in	the	schedule.

                                      With	the	exception	of	the	sub-limits	appearing	in	the	general	conditions,	which	are	not	indexed,	
                                      the	sums	which	are	not	followed	by	any	reference	in	these	general	conditions	are	based	on	the	
                                      ABEX	590	index	of	November	2004.

                                      Amounts	which	are	followed	by	the	reference	Cpi	in	these	same	general	conditions	are	subject	
                                      to	the	consumer	price	index	193.69	(basis	1981)	of	February	2005.

                                      If	however we have	agreed	on	an	agreed value,	the	amounts	will	remain	unchanged.

                                      Change	to	the	rate:

                                      We	may	decide	to	change	the	premium	or	the	excess.	In	this	event, we shall	inform	you	of	this	
                                      no	later	than	three	months	before	the	anniversary	date.	If	you	do	not	agree	to	the	change	made,	
                                      you	may	cancel	the	policy	within	thirty	days	of	this	notification	and	the	cancellation	will	take	
                                      place	on	the	next	anniversary	date.


3.3. WHAT HAPPENS IN THE EVENT In	the	event	of	a	loss, we reserve	the	right	to	reduce	our	benefit	in	proportion	to	the	prejudice	
     OF A LOSS IF You FAIL TO  that we have	suffered	or,	depending	on	the	case,	to	refuse	to	provide	cover.
     MEET YOUR OBLIGATIONS


3.4. THE LAW APPLICABLE        Unless	otherwise	agreed,	this	contract	shall	be	subject	to	Belgian	law.	
     TO OUR POLICY AND THE     Disputes	relating	to	this	contract	shall	fall	within	the	jurisdiction	of	the	Belgian	courts.
     COURTS THAT WOULD HAVE
     JURISDICTION IN THE EVENT Should	any	difficulty	arise	in	relation	to	the	contract,	please	consult	your	insurance	adviser.	
     OF LITIGATION
                               You	are	equally	at	liberty	to	send	a	complaint	to	the	Insurance	Ombudsman	Department:	Square	
                               de	Meeûs	35,	1000	Brussels	(www.ombudsman.as).	
                               Telephone:	02	547	58	71;	fax:	02	547	59	75.
	                               505	by	Hiscox	                                                                                      13
	                               General conditions TRS505-01012007




3.5. DOMICILE AND               Any	correspondence	or	notification	destined	for	us	is	correctly	sent	if	it	is	mailed:
     CORRESPONDENCE             •	 to	our	address	in	Belgium,	as	indicated	in	the	schedule	or	in	a	subsequent	endorsement;
                                •	 to	the	address	of	your	broker,	as	indicated	in	the	schedule	or	in	a	subsequent	endorsement.	

                                Any	correspondence	or	notification	destined	for	you	is	correctly	sent,	even	to	heirs	or	rightful	
                                claimants,	if	it	is	mailed	to	your	address	as	indicated	in	the	schedule	or	in	a	subsequent	
                                endorsement.



3.6. DEFINITIONS (THE TERMS OF ABEX:                  construction	cost	index	drawn	up	by	the	Belgian	Association	of	Experts.
     THE POLICY WHICH HAVE A
     PRECISE MEANING)          Accidental:            something	which	occurs	suddenly	and	unforeseeably


                                Act of                act	organised	in	secret	for	ideological,	political,	or	social	reasons,	carried	
                                terrorism:            out	individually	or	by	a	group,	where	people	are	attacked	or	property	is	
                                                      destroyed,	with	a	view	to	frightening	the	public	and	creating	a	climate	of	
                                                      insecurity.

                                Fixtures and          any	fixtures,	fittings,	decoration	or	improvements	considered	to	form	part	
                                fittings:             of	a	building	at	the	address	shown	in	the	schedule.

                                Annex:                locked	cellar	or	garage	located	in	the	building	containing	the	apartment	
                                                      and	which	the	policyholder	owns	or	has	the	use	of.		A	locked	garage	
                                                      of	not	more	than	20	m2	located	less	than	500	m	from	the	building	is	
                                                      considered	to	be	an	annex.	

                                Apartment:            that	part	of	a	building	comprising	several	rooms	and	used	as	a	residence.

                                Insured people:       you	and	the	following	persons:
                                                      •	 people	who	normally	live	in	your	home,	with	the	exclusion	of	your	
                                                         tenants;
                                                      •	 your	members	of	staff	whenever	they	are	working	in	your	home;
                                                      •	 any	other	person	named	in	the	schedule.

                                Insured property:     all	property	included	in	contents	and	fixtures and fittings.

                                Jewellery:            item	intended	for	the	purposes	of	adornment,	valuable	on	account	of	
                                                      the	materials	of	which	it	is	made	or	due	to	the	artistic	qualities	of	its	
                                                      workmanship.

                                Safe:                 closed	metal	safe	which	is	either	built-in	or	sealed.

                                Schedule:             provisions	of	the	contract	which	concern	you	personally	and	which	form,	
                                                      together	with	these	general	conditions	and	the	endorsements	recording	
                                                      any	changes,	the	insurance	policy.	The	schedule	and	the	endorsements	
                                                      shall	take	precedence	over	the	general	conditions	of	the	contract.	

                                Contents:             any	personal	property	for	private	use,	including	works	of	art	and	valuables	
                                                      and	collectables	not	included	in	a	specification,	which	are	normally	located	
                                                      in	the	apartment	or	annex	and	which	belong	to	you	or	are	handed	over	to	
                                                      you	for	safekeeping.

                                                      The	following	do	not	form	part	of	the	contents:
                                                      •	 animals;
                                                      •	 valuables	and	fine art	included	in	a	specification;
14	   505	by	Hiscox
	     General conditions TRS505-01012007




                           •	 land	motor	vehicles	and	their	accessories,	except	the	following	
                              unregistered	vehicles:	the	motorised	equipment	used	solely	at	the	
                              address	shown	in	the	schedule	for	servicing	or	maintenance	purposes,	
                              domestic	vehicles	intended	for	handicapped	persons,	children’s	toys	
                              used	solely	for	recreational	purposes;
                           •	 caravans,	trailers	with	a	carrying	capacity	of	more	than	500	kg;	
                              flying	objects	which	are	able	to	carry	persons;	space	objects;	boats,	
                              motorbikes	and	mopeds	(except	at	the	address	shown	in	the	schedule	
                              whilst	you	are	not	using	them,	with	the	exclusion	of	any	boat	more	than	
                              4	m	in	length);
                           •	 electronic	data;	
                           •	 water	and	liquids	for	household	use.

      Bodily injury:       any	attack	on	the	physical	integrity	of	a	person,	with	the	exclusion	of	any	
                           damages	for	pain	and	suffering		and	any	indirect	loss	or	damage	(such	as	
                           loss	of	earnings).

      Material damage:     any	destruction,	deterioration,	loss	or	disappearance	of	real	estate	or	
                           personal	property.

      Personal effects:    clothes,	furs,	guns	and	hunting	weapons,	firearms,	luggage,	bags,	
                           spectacles,	musical	instruments,	cameras	and	video	equipment	and	their	
                           accessories,	sports	equipment,	mobile	phones,	electronic	diaries,	laptops	
                           and	other	portable	electronic	devices.

      Excess:              amount	of	the	loss	or	damage	which	you	must	bear	and	which we deduct	
                           from	the	amount	of	the	indemnity.

      CPI:                 Consumer	price	index,	drawn	up	by	the	Minister	of	Financial	Affairs.

      We:                  the	insurer	shown	in	the	schedule.

      Fine art:            musical	instruments,	postage	stamps,	coins	or	medals	in	a	collection,	
                           paintings,	antique	furniture,	carpets	and	tapestries,	wines	and	fine	spirits,	
                           silver	or	gold	items;	more	generally,	items	that	have	artistic	features	or	that	
                           are	likely	to	form	part	of	a	collection,	excluding	valuables.

      Valuables:           Objects	of	value	such	as	jewellery,	watches,	unset	precious	and	semi-
                           precious	stones,	solid	silver,	gold,	platinum,	silver	gilt.

      Liability, liable:   obligation	incumbent	upon	you,	by	virtue	of	Articles	544	or	1382	to	1386a	
                           of	the	Civil	Code	or	of	similar	provisions	of	overseas	law,	to	remedy	any	
                           damage	or	injury	you	have	caused.	

      Identity theft:      situation	in	which	a	person	or	group	of	persons	knowingly	uses	a	means	
                           of	identification	belonging	to	you,	without	your	knowledge	or	authorisation	
                           and	with	the	intention	of	committing	or	of	helping	someone	else	to	commit	
                           an	illegal	act.	

      Loss:
      1. For insurance of accidental	event	which	occurs	during	the	policy	period	and	causes	
      property:           material damage	to	the	insured property.

      2. For insurance   accidental	event	which	occurs	during	the	policy	period	and	causes	
      of civil liability material damage	or	bodily injury	to	third	parties.	In	this	case	the	insurance	
      incurred by reason cover	will	include	claims	made	after	termination	of	the	policy.	
      of the insured
      property:
	   505	by	Hiscox	                                                                                    15
	   General conditions TRS505-01012007




    Agreed value:        value	set	by	mutual	written	agreement	between	you	and	us.	This	value	is	
                         acknowledged	as	being	an	exact	value	and,	subject	to	authenticity, we
                         shall	refrain	from	disputing	it.

    Replacement cost: amount	necessary	for	the	reconstruction	or	reinstatement	as	new	of	
                      the	insured property	including	architect’s	costs	and	VAT	which	is	not	
                      recoverable,	such	that	the	property	concerned	still	has,	following	the	loss,	
                      qualities	equivalent	to	those	which	existed	before	the	loss.

    Actual cash value:   replacement cost	less	depreciation.

    Market value:        nieuwpurchase	price	normally	payable	in	the	national	market	for	an	
                         identical	or	similar	item	of	property,	as	at	the	date	of	the	loss.

    Money:               coins,	bank	notes,	share	securities	or	debenture	bonds,	bills	of	exchange,	
                         postal	orders	or	other	similar	orders,	debit	cards	or	credit	cards.

    Wear and tear:       depreciation	of	an	asset	by	reason	of	its	age,	its	use,	and	the	frequency	
                         and	quality	of	its	maintenance.

    You:                 the	policyholder	shown	in	the	schedule,	
                         •	 either	the	natural	person	who	enters	into	the	contract	and	his	spouse,	
                            partner	or	companion;
                         •	 or	the	legal	entity	which	enters	into	the	contract.
16	   505	by	Hiscox
	     General conditions TRS505-01012007




      4. Hiscox Assistance

      HISCOX	ASSISTANCE	is	available	24	hours	a	day	and	365	days	a	year	on	the	following	number:	
      0800/90802.
      	
      Everyone	insured	under	our	policy	505	by	Hiscox	has	the	benefit	of	assistance	in	respect	of	their	
      insured	homes	in	Belgium.

      We	only	use	the	services	of	duly	approved	service	providers	who	are	able	to	act	as	quickly	as	
      possible.	

      You	can	call	on	assistance	in	the	following	cases:

      Assistance	following	an	insured	loss	(with	the	exception	of	natural	catastrophes)
      If	an	accidental	event	occurs	in	your	apartment	or	in	an	annex, we shall	organise	and	meet	the	
      costs	of	an	immediate	visit	by	a	trade	association	representative	with	a	view	to	identifying	the	
      cause	and	proceeding	with	the	necessary	repairs.		

      If	your	keys	have	been	lost	or	stolen, we shall	organise	and	meet	the	costs	of	emergency	repairs	
      and,	if	necessary,	replacement	of	the	locks	concerned.

      The	cost	of	each	assistance	will	be	paid	up	to	a	maximum	of	a	non-indexed	amount	of	EUR	750	
      (including	tax).

      Psychological	assistance	following	a	trauma	brought	about	as	the	result	of	a	loss	or	of	a	physical	
      assault	on	an	insured	person:	

      If	you	have	suffered	a	traumatic	shock	because	you	or	another	insured	person	were	the	victim	of	
      an	assault	(either	at	your	home	or	outdoors)	or	have	been	affected	by	the	occurrence	of	a	loss,
      we shall	organise	and	pay	the	costs	of	psychological	counselling,	up	to	a	maximum	of	a	non-
      indexed	amount	of	EUR	750	(including	tax).
Hiscox NV/SA
Lambroekstraat 5D
1831 Diegem (Brussels)
T: +32 (0)2 788 26 00
F: +32 (0)2 788 26 01
W: www.hiscox.com
E: info.belgium@hiscox.com

				
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