Twin Peaks II legislation: our conflicts of interest policy

The Twin Peaks II reform entered into force on 30 April 2014. The purpose of these measures is to improve consumer knowledge and understanding of insurance products and enhance consumer protection.

At AG Insurance, customer focus, access to information, transparency, service, etc. have always been an integral part of the way we manage customer relations. As part of the requirements of Twin Peaks II, we are now also informing you about our policy to eliminate or mitigate potential conflicts of interest between insurers, intermediaries and customers ("Conflicts of interest policy").


In the text below, the word "website" has a broader meaning and should be interpreted as "website/application".

The information available on or via this website, web pages, simulations or other content that you consult is for informational purposes only and cannot be construed as an offer to sell insurance products or financial products or services. Unless expressly stated otherwise, the information provided does not constitute an offer.

The information on this website should not be construed as advice of any kind, including financial, tax, accounting or legal advice.

The material on this website contains general information. For more detailed information about the extent and terms of coverage, ask your insurance advisor for a copy of our General and Special Terms, or review the General Terms and Conditions available on this website.

AG Insurance sa carefully reviews and updates its website content on a regular basis. Consequently, this site and all of the content contained herein is subject to change.

Nevertheless, AG Insurance sa does not make any representation or warranty of any kind as to the accuracy, adequacy, completeness, currency or fitness for a particular purpose of the information or content available on this website or in references to other websites, nor does it guarantee the reliability or accuracy of its sources.    

AG Insurance sa accepts no responsibility or liability whatsoever arising from or in any way connected to accessing, consulting or using the information, data, web pages or publications available on this website or via interactive applications, with the exception of cases of gross misconduct or acts of malice.  

This website may contain links to third party websites, for convenience and informational purposes only. The use of these websites does not suggest any business relationship between you and the third party(ies) or serve as an endorsement by AG Insurance. AG Insurance makes no representation or warranty regarding the products and services available through linked websites, the companies they refer to, or the owners or managers of these websites. AG Insurance sa accepts no responsibility whatsoever for the content of such websites or for the level of security provided. AG Insurance cannot be held liable for any loss or damage arising out of or referable to linking or in connection with contracts signed on the basis of information accessed through linked websites.

All information, web pages, publications and data contained on this website are the exclusive property of AG Insurance or third parties and protected by copyright laws. As such, you shall refrain from any acts that may infringe on intellectual property rights. The information and content may not be displayed or printed other than for your personal and non-commercial use, without altering or removing any trademark, copyright or other notice from such material. You may not distribute, reproduce, sell or transmit the information and content in any manner without the express prior written consent of AG Insurance.

By communicating your personal data via this site, and in accordance with the relevant Belgian privacy legislation, you agree to allow AG Insurance, the data controller, to process this information for administrative and customer service purposes, as well as to manage customer relations, compile statistics and – barring your express opposition, free of charge – promote insurance products and services.

AG Insurance will not disclose your personal data to third parties unless there is a contractual obligation to do so, or the disclosure is in the parties’ legitimate interests. Where applicable, you agree to allow this information to be disclosed and used by the advisors and other qualified professionals that you have consulted to assist you.

You have the right to inspect and to amend your personal data at any time. You may also object to the use of your personal details for prospecting and direct marketing purposes. To do so, you may specify your wishes on the electronic form used to collect your data. To permanently block the use of your personal data for direct marketing purposes, you may write to AG Insurance, Customer Relations Data Department, 53 boulevard Emile Jacqmain, 1000 Brussels or e-mail fo-ra@aginsurance.be.

All processing by AG Insurance will be declared and registered with the Commission for the Protection of Privacy. You may also contact this organisation if you have any questions or need further clarification.

Contact information for the data controller (headquarters):

AG Insurance sa – 53 boulevard Emile Jacqmain, B-1000 Brussels – RPM Brussels – VAT BE 0404.494.849 – www.aginsurance.be

Tel. +32(0)2 664 81 11 – Fax +32(0)2 664 81 50

Insurance company licenced under code 0079, under the supervision of the National Bank of Belgium, 14 boulevard de Berlaimont, B-1000 Brussels.