Prefer to have more time to think?

You rent. We've got your insurance.

A smart all-in-one insurance pack for tenant - covering most of your everyday risks, at home and across Europe.

What's included in your pack?

Tenant & Belongings

Personal Liability

Legal Protection

Travel & Assistance

Soft Mobility

BOB

Need more protection? Explore our optional covers here.

SWINZ is an all-in-one non-life insurance product by BelgaMGA SA, FSMA licensed mandated underwriter. Our risks are covered by:

Before subscribing to SWINZ, carefully examine our guarantees and exclusions listed in the product information document and general terms and conditions, and our segmentation criteria.

Couple moving into a new apartment with their dog, symbolizing the security provided by SWINZ tenant insurance.

Insured in less than 3 minutes.

No paperwork, no stress. Get covered in just a few clicks and protect what matters - fast, simple, and 100% digital.

Backed by real brokers.

Over 100 trusted insurance professionals at your side. Real support, real people - never chatbots.

Adjust or cancel anytime.

Life changes - and your insurance should too. Align your plan to your needs anytime, in just one click, or request its cancellation online.

Track you claims. Instantly.

Upload documents in the app, follow your claim in real time, and get compensated - no delays, no doubts.

You're covered where it matters most.

Six essential covers, all in one smart insurance pack- built for everyday life in Belgium and beyond.

Most everyday risks are covered - but not all. Some risks like intentional damages or criminal acts are excluded (for full details check each cover or the information document , the terms and conditions and our segmentation criteria).

Explore what's included:

Each cover protects a key part of your life.

Tenant and Belongings

If damage is caused by an insured risk to your main residence, that you are renting in Belgium, or to your contents, damage will be covered by the Tenant and Belongings' cover.

This cover does not include e.g. theft, and a deductible is applicable.

Personal Liability

Steps in if you accidentally injure someone or damage someone else’s goods in the course of your private life. Also known as Family Liability.

This cover doesn't include e.g. damage to your own belongings.

Legal Protection

Problems with your landlord or with your neighbors? A package ordered online is not delivered? Legal Protection helps you defend your interests.

This cover doesn't include e.g. criminal defense and fines.

Travel and Assistance

Assists you in case of accident or illness wherever you are in Europe, and also when you are back home.

This cover doesn't include e.g. pre-existing illness.

Soft Mobility

Along with you whilst walking or riding your (electric) bike, scooter or step (max 25 km/h).

This cover doesn't include e.g. repair costs for your soft mobility vehicle.

BOB

Your friend drinks too much, and you are sober to drive they home? Very thoughtful of you! BOB covers any damage you may cause to their car.

This cover doesn't cover you e.g. if you are yourself unfit to drive.

Clear pricing. No surprises.

One fair monthly price based only on your household size - never your age, income, or postcode.
Insurance made simple, fair and transparent.

All plans include the same core protections.

Choose the plan that fits your situation. You can always add optional covers later - no pressure, no fuss.

Single

€ 29

/mo

Premium includes all taxes and costs.

Get covered now

Couple

€ 32

/mo

Premium includes all taxes and costs.

Get covered now

Family

€ 35

/mo

Premium includes all taxes and costs.

Get covered now

SWINZ is an all-in-one non-life insurance product by BelgaMGA SA that includes guarantees insured by AXA Belgium, Euromex and Europ Assistance Belgium (for more details, click here).

Extra protection. Just the way you want it.

Add optional covers anytime - no pressure, no fine print. Just extra flexibility when life needs a little more protection.

Need extra protection?

Explore our 3 optional add-ons, each designed for extra peace of mind - on your terms.

Accident and Disability

You have a domestic accident? You're covered up to 5.000 EUR for your health and recovery care, and up to 100.000 EUR if you suffer a permanent disability of more than 10%.

This cover doesn't include e.g. accidents at the workplace.

Theft without Jewelry

In case of theft or vandalism in your primary residence, the Theft without Jewelry cover compensates you for the replacement of your stolen contents, excepted stolen jewelry and valuables.

This cover doesn't include e.g. jewels and valuables or simple disappearance of contents.

Theft including Jewels

In case of theft or vandalism in your primary residence, the Theft with Jewelry cover compensates you for the replacement of your stolen contents and jewelry, as well as for stolen valuables.

‍This cover doesn't include e.g. simple disappearance of contents.

Insurance, but different

Hand holding a smartphone showing the SWINZ all-in-one tenant insurance app interface, symbolizing simple and transparent insurance management.

Insurance made simple.

Say goodbye to paperwork and jargon. With one smart, all-in-one pack, you're protected from most daily risks - at home or across Europe.

Real people, real support.

Need help? You're always just a message away from real brokers - here to answer, guide and support. No bots. Just humans who've got you back.

Big names. Solid protection.

We only team up with trusted insurers like AXA, Europ Assistance and Euromex. That means reliable coverage, backed by serious experience.

100% transparent. 0% nonsense.

What you see is what you get. Clear pricing, clear coverage - no hidden fees, no vague terms, no bad surprises.

Ready for insurance that fits your life?

Get started in 3 minutes

What you should know before getting your quote

The policy is concluded for a period of one year, but you can terminate it at any time (SWINZ can terminate it with 3 months-notice prior to the policy term date). Unless terminated by either party, this contract is automatically renewed on its term date, for successive periods of one year. This contract is governed by Belgian law.
‍
Before subscribing to SWINZ, carefully examine our guarantees and exclusions listed in the product information document and general terms and conditions, and our segmentation criteria. SWINZ is BelgaMGA SA, Chaussée de Louvain, 435 – 1380 Lasne, an underwriting agent governed by Belgian law and registered in the register of insurance intermediaries kept by the FSMA under number 0846.053.992 (RPM Nivelles).
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If you have a complaint, you can send an e-mail to complaints@swinz.be or write to SWINZ, Chaussée de Louvain, 435 - 1380 Lasne. If your complaint is not dealt with to your satisfaction, you can contact the Insurance Ombudsman at www.ombudsman-insurance.be or info@omdusman-insurance.be.
You can also file a complaint online on the European Commission's ODR platform.

Renowned insurance companies behind every SWINZ cover

Our guarantees « Tenant Liability and Content”, “Personal Liability”, “Soft Mobility Liability”, “BOB” and the optional guarantees "Theft without jewels", "Theft including jewels" and “Personal Accident” are insured by AXA Belgium, the guarantee “Legal Protection” is insured by Euromex and the guarantees “Home Assistance”, “Soft Mobility Assistance”, “Assistance in case of sickness or accident”, “Assistance after sickness or accident” and “Travel Assistance” are insured by Europ Assistance Belgium.