Verzekeringskantoor Van Dessel NV
Registered office
Misstraat 112
B-2590 Berlaar
T: +32 (0)3 482 15 30
info@vandessel.be
www.vandessel.be
Bank account
IBAN: BE52 3200 7340 3509
BIC: BBRUBEBB
Company registration number
0446.433.491
RPR Antwerp, department Mechelen
Supervisory authority
Verzekeringskantoor Van Dessel NV is registered as an insurance intermediary under company number 0446.433.491 - RPR Antwerp, department Mechelen. The register of insurance intermediaries is held by the FSMA (Rue du Congrès/Congresstraat 12-14, 1000 Brussels) and can be viewed at www.fsma.be.
Insurance distribution
Our office provides insurance distribution services, meaning activities that consist of advising on, proposing, carrying out preparatory work for the conclusion of insurance contracts, or concluding insurance contracts, as well as assisting in the administration and execution of insurance contracts, particularly in the event of a claim.
Policy terms and conditions
As an insurance broker, we work together with various insurance companies. Each company has their own general and special policy terms and conditions. To find out about the specific terms and conditions for each company and insurance product, please refer to our page Policy terms and conditions.
Duty of care
In order to assess whether you meet the conditions for the proposed insurance products and whether they are suited to your needs, we as an insurance broker have a duty of care. This means that we analyse your needs and requests in order to propose to you the most suitable product.
Conflicts of Interest
At Van Dessel, the policy on conflicts of interest forms an integral part of our code of conduct and professional integrity. If a (potential) conflict of interest arises, clearly defined and strict procedures will be immediately activated. Where necessary, we will inform you in an appropriate and transparent manner.
Remuneration
In return for our insurance distribution services, we receive in principle remuneration from the insurance company, which forms part of the premium that you pay as a customer. In addition, we may receive remuneration in connection with our insurance portfolio with the insurance company in question or in return for additional tasks that we perform. Please feel free to contact us for more information. In the other case, we receive remuneration for our insurance distribution services from you as a customer.
Complaints management
If you have any queries or problems, the first step is to call our office (+32 (0)3 482 15 30) or send us an email (info@vandessel.be).
Complaints can also be lodged with the Insurance Ombudsman: Square de Meeûs/de Meeûssquare 35, 1000 Brussels - T: +32 (0)2 547 58 71 - F: +32 (0)2 547 59 75 - info@ombudsman-insurance.be – www.ombudsman-insurance.be.
Sustainability policy SFDR
Policies on sustainability risks
In accordance with the Sustainable Financial Disclosure Regulation (SFDR), our firm takes sustainability risks into account when advising on insurance policies with an investment component, insofar as this information is made available by the insurance company.
The SFDR has defined sustainability risk as 'an environmental (E), social (S) or governance (G) event or condition that, if it were to occur, could cause an actual or potential significant negative effect on the value of the investment'.
In the context of advice for insurance policies with an investment component, the remuneration policy applicable in our firm does not encourage excessive risk-taking in relation to sustainability risks.
Adverse impacts on sustainability factors
The SFDR has defined sustainability factors as 'environmental, social and employment issues, respect for human rights, and combating corruption and bribery'.
The practice has not yet evolved sufficiently within the insurance market so that our firm cannot yet reasonably consider adverse effects of investment decisions on sustainability factors.
For this reason, our firm does not currently consider the negative effects of investment decisions on sustainability factors in its insurance advice for insurance policies with an investment component, unless the client has expressed his or her preference. In the latter case, our office will take this into account when assessing the suitability of the relevant insurance(s) with an investment component.
Our firm will review this policy depending on further developments within the insurance market.
Legal disclaimer
As your access and use of this Site automatically bind you to the following terms and conditions, please read them carefully. As used herein, the term "you" and "your" shall mean the user of this Site.
The information contained and accessed on this site (the "Site") is provided by Van Dessel Insurance Brokers for general guidance and is intended to offer the user general information of interest. The information provided is not intended to replace or serve as substitute for any legal, accounting, tax or other professional advice, consultation or service. In no event shall Van Dessel Insurance Brokers, its related partners, managing directors, principals, agents or employees be liable for any direct, indirect, incidental, special, exemplary, punitive, consequential or other damages whatsoever (including, but not limited to, liability for loss of use, data or profits), without regard to the form of any action, including but not limited to contract, negligence or other tortuous actions, arising out of or in connection with the Site, any content or accessed by use of the Site, or any copying, display or other use hereof.
As content on the Site is copyrighted, any unauthorised use of any materials on the Site may violate copyright, trademark and other laws. Should a user download the materials on the Site for personal or non-commercial use, the user must retain all copyright, trademark or other similar notices contained in the original materials on any copies of the material. Materials on the Site may not be modified, reproduced or publicly displayed, performed or distributed or used for any public or commercial purposes.
Third-party links are provided as a convenience to our users. Van Dessel Insurance Brokers does not control and is not responsible for any of these sites or their content. Van Dessel Insurance Brokers is obligated to protect its reputation and trademarks and Van Dessel Insurance reserves the right to request removal of any link to our website.
Explicit permission is required to use the Van Dessel Insurance Brokers logo and/or name. To request this written approval, contact our Communication department at communicatie@vandessel.be or use the contact feature.
The following web link activities are explicitly prohibited by Van Dessel Insurance Brokers and may present trademark and copyright infringement issues:
- Links that involve unauthorised use of our logo and/or name
- Framing, inline links or meta tags
- Hyperlinks or a form of link that disguises the URL and bypasses the homepage
Van Dessel Insurance Brokers recognises its responsibility for protecting the privacy of your personal information. If you have questions or comments about our administration of your personal information, please contact our Data Protection Officer at privacy@vandessel.be You may also use this address to communicate any concerns you may have regarding compliance with our privacy policy.
Email disclaimer
This email and any attached files are confidential and may be legally privileged. If you are not the addressee, any disclosure, reproduction, copying, distribution, or other dissemination or use of this communication is strictly prohibited. If you have received this transmission in error please notify the sender immediately and then delete this e-mail. E-mail transmission cannot be guaranteed to be secure or error free as information could be intercepted, corrupted, lost, destroyed, arrive late or incomplete, or contain viruses. The sender therefore does not accept liability for any errors or omissions in the contents of this message which arise as a result of e-mail transmission. If verification is required please request a hard copy version.