Read our Disclaimer and MiFID* Conduct of Business rules here.

*Belgian law of 30 July 2013 on increasing the protection of purchasers of financial products and services and broadening the competences of the financial regulator, several provisions, as well as the Royal Decree of 21 February 2014 about the rules of application of articles 27 to 28bis of the law of 2 August 2002 on the supervision of the financial sector and on financial services on the insurance sector, and the Royal Decree of 21 February 2014 on conduct of business rules laid down in the law on handling conflicts of interest in the insurance sector.

Expat & Co is obliged to comply with these “AssurMiFID Conduct of Business rules” and in this respect provides you with the following information:

1.    Our products and services

1.1.    Information about the concept of insurance underwriting

Expat & Co offers services of insurance underwriting, i.e. activities consisting of advising about insurance agreements, offering, proposing, doing preparatory tasks resulting in the conclusion of insurance agreements, and the actual conclusion of insurance agreements. With regard to our own Expat & Co products we also take care of the administration and implementation (acceptance, issuing policies and riders, claims settlement, etc.).

1.2.    Policy conditions and product sheets

Policy conditions and product sheets of our own Expat & Co products can be downloaded on our website. The downloads available there are always the most recent version. Older versions are available from Expat & Co upon simple request.

1.3.    Numbers of major branches and titles (* = what we offer)

1: Accidents*;

2: Health*;

3: Casco Land vehicles other than railway rolling stock;

4: Casco Railway rolling stock;

5: Casco Aircrafts;

6: Casco Ships (sea, lake, river and canal vessels);

7: Goods in transit (including merchandise, baggage, and all other goods)*;

8: Fire and natural forces*;

9: Other damage to property;

10: Third Party Liability motor vehicles;

11: Third Party Liability aircrafts;

12: Third Party Liability ships (sea, lake, river and canal vessels);

13: General Third Party Liability*;

14: Credit;

15: Bail;

16: Miscellaneous financial loss;

17: Legal Assistance*;

18: Assistance*;

21: Life insurance not connected to investment funds*;

23: Life insurance connected to investment funds;

26: Capitalization operations;

27: Administration of collective pension funds.


2.    Information about conflict of interest policy

The Belgian AssurMiFID conduct of business rules require Expat & Co to prepare a written policy on handling conflicts of interest. More information about how Expat & Co will deal with this is available here: Conflict of Interest.

For all your questions and problems make sure to talk to Expat & Co first.

Any complaints can be submitted to Ombudsservice Insurances in 1000 Brussels, de Meeûssquare 35,

tel. +32 (0)2/547.58.71 • fax. +32 (0)2/547.59.75 • info@ombudsman.as • www.ombudsman.as.

Or go to the Online Dispute Resolution platform. 


3.    Compensation

For our insurance underwriting activity we receive a fee from the insurance company, which is part of the premium you pay as a customer.

In addition, an administration fee for your Expat & Co insurance portfolio with the relevant insurance company or for additional tasks fulfilled by Expat & Co may also be charged.

In some cases (e.g. advice about social security) we can also charge an advice fee to our customers. Where appropriate, this will be set out in a separate agreement.

For more information contact Expat & Co or consult the customer area on our website.

4.    European Passport

Expat & Co has a European passport and is therefore authorised to work in insurance matters in all countries of the EEA.

The register of insurance service providers is kept by the Belgian regulator FSMA in 1000 Brussels, Congresstraat 12-14 and is available on www.fsma.be. Expat & Co is listed under the ‘brokers’ heading.

5. General Data Protection Regulation (GDPR)

Expat & C° takes the privacy of its customers very serious and therefore is GDPR-compliant. We only use your personal data to be able to correctly apply your insurance policy and to provide the services you have requested from us.

Please follow this link for further information on our GDPR policy.

Expat & Co bvba   

P. Cooremansstraat 3

1702 Groot-Bijgaarden (Dilbeek)


Tel. +32 (0)2 463 04 04


Reg. N° FSMA13633

RPR Brussels 0.457.352.624

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