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SWINZ is an all-in-one digital insurance that covers most of your everyday risks.
Our application is available to manage your insurance at any time, from anywhere...and without piles of paper.
We know that insurance isn't a simple subject, which is why our brokers network is here to help with any questions or needs you may have.
Our mission:
To offer insurance cover that is accessible and adapted to the expectations of the many people. With no jargon and no taboo.
Didier, Kim and Lorenzo, our founders, have always found insurance unnecessarily complex.
With their experience and conviction that a different approach to insurance is possible, they founded SWINZ in 2021.
They are committed to offering access to insurance to as many people as possible. In a simple, transparent and fast way.
SWINZ is part of a clearly defined ecosystem, where each partner shares the same vision and does what they do best.
Thanks to this collaboration, we can offer you a product and service of the highest quality.
To be protected in case of (big) trouble and have peace of mind.
Imagine your deep fryer goes up in flames, causing damage not only to the apartment you're renting, but also to the neighbor's. Without insurance, it's up to you to pay for the damage! Having insurance protects your finances.
Imagine you fall down the stairs and have to stay in plaster for 6 weeks. Having insurance means you can get a little help during this difficult period.
Imagine you've ordered a new smartphone but it's never delivered. Legal support would certainly be welcome.
Being insured gives you peace of mind: when you're properly insured, you can enjoy life with a peace of mind since you're covered against most financial hazards.
Are you held (unintentionally) responsible for personal injury or property damage to a third party and you're not insured? The situation can quickly get complicated. You'll have to compensate the victim for the damages incurred, and your life plans could be put on hold or even wiped out.
Do you not live with your parents anymore?
Do you rent a home (house or apartment) of up to 150 m²?
Do you like to travel?
Do you like soft and shared mobility?
Do you want to enjoy life?
Then SWINZ is for you! You'll find a clear and comprehensive description of each coverage on our website. We invite you to read our cover page carefully. Alternatively, you can contact one of our partner brokers for independent advice.
There are two ways to get the SWINZ application:
You'll find the list of our brokers partners here.
When you become a SWINZ member, a broker is assigned to you based on your postal code. He is available to advise you on any questions you may have regarding your SWINZ policy or any changes to it. This way, you can always communicate with a human being.
No need to worry!
Your policy will automatically terminate at your next annual renewal date. You'll be notified, and until your policy expires, you're covered.
The SWINZ policy is backed by renowned insurance companies: AXA, EuropAssistance and Euromex. They are the ones who technically insure the risk, and therefore your financial risk.
The broker who has been dedicated to you during your SWINZ subscription will advise you and take over your file. This way, he will ensure that you keep the same global coverage and therefore defend your interests.
Blockchain technology isn't just for bitcoin!
We don't claim to be different, we are: SWINZ is one of the first to operate its insurance policies on this now proven technology.
Your personal data will not be stored on the blockchain. It is stored on our systems in a secure and encrypted manner, so that it can be deleted at your request.
All information regarding the use of your personal data can be found here.
SWINZ is committed to complying with the code of good practice for handling complaints. Please always contact us first, either via the website (click here), or via the application (via the "Contact us" tab) so that we can handle your complaint together.
If, despite our best efforts, you are not satisfied, you can contact the insurance ombudsman.
Currently, the SWINZ offer is for everyone who rents a property of less than 150m². It may be a house or an apartment.
The property must be located in Belgium and has to be your main place of residence.
Our basic package includes all the necessary insurance covers to put your mind at ease.
Default covers included:
SWINZ allows you to add Accident and Disability cover if you wish.
The optional cover:
We are working on extending our offer.
Remember: each cover has its own limits and exclusions. Carefully read the standardized information documents (IPID sheets) and contact your broker if you have specific needs that are not covered by the SWINZ offer (you have a horse, valuable possessions at home, etc.). These information documents and our general terms and conditions are available on our website.
At SWINZ, we have selected the insurance coverages that we believe are essential to put your mind at ease and that meet the needs of the many people.
Detailed information on each of these can be found by following this link.
Depending on the formula you choose, the SWINZ insurance policy can cover you on your own or as a couple, and up to four children. The only condition is that all those insured have to live in the same main place of residence.
You are covered immediately when you purchase your SWINZ policy. The date your policy is issued is therefore the first day of coverage for you and any other members of your household.
No personal information is required to receive your quote. Indeed, the basic quote only depends on your family composition. If you want to know the rate including Accident and Disability cover, we only ask for your age range.
We will need to collect personal information necessary to issue your policy if you accept the offer and wish to become a SWINZER. This information is stored on our systems in a secure and encrypted manner. We only share it with our partners when absolutely necessary (for example, in the event of a claim).
For full details of how we use your personal information, please click here.
At SWINZ, we're working to expand our range of covers. In the meantime, we invite you to contact one of our brokers partner who will help you determine the best solution for your needs.
In its current version, SWINZ does not provide car coverage. Be patient…
Don't worry: the SWINZ broker assigned to you when your policy is issued will help you find the best offer available on the market for your car and any additional cover you may need.
As a SWINZER, you are covered for damage to your holiday home for which you are held responsible. This includes hotels, tents and residential caravans. The only condition is that your stay must be temporary (maximum 90 days).
SWINZ is committed to complying with the code of good practice for handling complaints. Please always contact us first, either via the website (click here), or via the application (via the "Contact us" tab) so that we can handle your complaint together.
If, despite our best efforts, you are not satisfied, you can contact the insurance ombudsman.
There are two ways to subscribe to a SWINZ policy:
1. Check that you are eligible
2. Choose your family composition
3. Fill in your personal details and pay your first monthly subscription.
You're covered!
Would you like a few more explanations or simply like to be sure that SWINZ offers you the covers you need? You can contact one of our broker partners, listed here.
In both cases, you'll need to download the SWINZ application to manage your covers, your profile, report a claim or contact your dedicated broker. Wherever and whenever you want.
In Wallonia and Flanders, you must take out tenant liability cover the moment you sign your lease. In Brussels, it's often an obligation specified in your lease contract. And even if your landlord has included a no-recourse clause in your contract, we strongly recommend that you get a tenant liability cover: the landlord's property is protected in the event of a claim, but not your property or damage to third parties!
As soon as you sign your lease, you can become a SWINZ member.
The basic pack of covers included in the SWINZ policy offers you the convenience of protecting yourself as a tenant, with all the other covers you need to cover most of your daily risks. This way, you can enjoy life quickly and easily.
SWINZ has made sure that your premiums are as low as possible, while offering you the best global protection.
Want to find out more about our covers? Click here.
If you already have one or more insurance policies, such as Tenants, Personal Liability or Legal Protection, and you're interested in SWINZ, you can contact one of our partner brokers, who will help you analyze your needs and the necessary actions to follow.
There's no problem! Contact one of our broker partners, who will be happy to help you. They'll take care of terminating your old contract, and transferring your contracts to SWINZ.
To contact one of our broker partners, click here.
SWINZ is committed to complying with the code of good practice for handling complaints. Please always contact us first, either via the website (click here), or via the application (via the "Contact us" tab) so that we can handle your complaint together.
If, despite our best efforts, you are not satisfied, you can contact the insurance ombudsman.
SWINZ is totally transparent, with only three different pricing formulas for its basic package.
At SWINZ, our aim is to offer insurance to the many people. SWINZ offers simple, quality insurance for everyone, with no discrimination.
There are only three pricing formulas for the basic package: these depend on your family composition exclusively. Thus, the rate is the same for everyone, within the same formula. No nasty surprises!
Each cover included in the SWINZ package has been precisely defined: each protects you against precise risks, and we avoid you being insured for the same thing, via different insurance products. So we can offer you the lowest possible premium.
At SWINZ, we've simplified the calculation of the insurance premium to the max: each cover has a precise and visible monthly premium. We believe in transparency and don't want you to waste time comparing offers on the market. Our premiums are calculated to give you the best possible cover, at a fair price.
For the basic package, we ask you for your family composition and your total monthly premium is immediately available. If you wish to add optional insurance, we ask for your age. The total monthly premium you pay is the sum of the premiums for each cover.
This premium includes the following costs:
When you pay monthly, you benefit from two major advantages:
It's natural to compare the price of a SWINZ policy with that of other insurance companies.
However, remember that to compare this price, you need to compare the whole offer, including all the covers inluded in the SWINZ package.
The premium calculation for each cover depends on a number of factors, such as the risks covered, the risks excluded, the conditions of the cover and the number of persons insured. It is therefore important to always read the information documents (IPID sheets) and the conditions of the covers in order to make a valid comparison. These information documents and our general terms and conditions are available on our website.
A broker from our network can also help you.
SWINZ respects your freedom and offers you the possibility to cancel your policy on a monthly basis.
All within one simple application.
Your first monthly premium is paid when you register as a new member. This is when your policy is activated and you are immediately covered. This is also the date set for your monthly premium payments, which we deduct via a SEPA mandate activated at the time of your first payment, and over which you retain control.
If you activate or deactivate an optional cover, your monthly premium is recalculated, and you pay or are reimbursed the difference immediately. Thereafter, the monthly direct debit continues to be processed on the date set when your policy was created.
Example:
Currently, the only payment method accepted is the SEPA mandate, set up at the time of subscription.
Of course they are! We work in partnership with major players in the payment industry: Twikey and Mollie.
We will contact you within 48 working hours.
SWINZ is committed to complying with the code of good practice for handling complaints. Please always contact us first, either via the website (click here), or via the application (via the "Contact us" tab) so that we can handle your complaint together.
If, despite our best efforts, you are not satisfied, you can contact the insurance ombudsman.
Call us at +32 (0)2 541 90 96. We are available 24/7.
You can declare a claim via the application, by logging into your account.
Go to the "Claims" tab and you'll be taken through the digital claims process.
As soon as you have completed your declaration, we will handle your claim.
If your life or the lives of others are at risk, call 112.
Otherwise, call us at +32 (0)2 541 90 96. We are available 24/7.
As soon as we receive your claim via the SWINZ application, we process it and manage it as quickly as possible. You will be kept regularly informed of the progress of your claim. You can consult all exchanges relating to each claim in the application.
No*! SWINZ is unique and works on a fixed premium. It's the principle of risk pooling...anyone can have an accident in their lifetime.
* any attempt at insurance abuse and a large number of reported claims can lead to an investigation and exclusion from insurance. Shared coverage is only possible if everyone plays by the rules.
SWINZ is committed to complying with the code of good practice for handling complaints. Please always contact us first, either via the website (click here), or via the application (via the "Contact us" tab) so that we can handle your complaint together.
If, despite our best efforts, you are not satisfied, you can contact the insurance ombudsman.
Your policy, as well as all previous versions and documents, are available in the application and can be viewed whenever you want, from wherever you are.
Just go to the Contracts tab.
When your policy is created, and each time it is modified, you (and your partner, if applicable) will also receive a PDF version of your policy by email.
The following changes can be made at any time via the application:
Yes, as a SWINZER, your old and new addresses are covered for a period of 30 days.
Three conditions apply:
1. You rent your new main place of residence in Belgium (apartment or house with a maximum living area of 150 m²).
2. You have a valid rental contract at both addresses.
3. You report your change of address via the SWINZ application.
After 30 days, your old address will no longer be covered by your SWINZ policy.
As long as the composition of your family remains unchanged, your monthly premium will not change.
If a member of your family permanently moves out of your main place of residence, he or she will remain covered by your SWINZ policy for 30 days. After this period, they will no longer be covered by your policy and should take out their own insurance.
SWINZ respects your freedom and offers you the possibility to cancel your policy on a monthly basis.
At SWINZ, your first monthly premium is paid when you register as a new member. This is when your policy is activated and you are covered immediately. This day is the reference day taken into account when you want to cancel your policy, with effect from the second following due date.
Example:
If you subscribe to the SWINZ policy without passing through a broker, you have 14 days after subscription to change your mind. In this case, you pay only for the days for which you were covered, and we refund the difference.
The withdrawal period is 14 days from the date of payment.
You only pay for the days for which you were covered, and we refund the difference.
SWINZ respects your freedom and offers you the opportunity to cancel your policy on a monthly basis. However, we'll be sorry to see you go.
SWINZ has the same right to cancel your policy within 14 days from the date of payment, in which case you will be notified by registered letter.
When you create your policy, and depending on your zip code, a broker will be assigned to you.
Via the SWINZ application, "My dedicated broker" tab, you can access his contact details and get in touch with him whenever you like.
If you are a SWINZ member, the easiest way to contact us is via the application, "Contact us" tab.
You can also contact us by email at contact@swinz.be or via our contact page.
In all cases, we'll get back to you within 3 working days.
Please note that our email response hours are Monday-Friday, 9:00-17:00. We do not respond on weekends.
SWINZ is committed to complying with the code of good practice for handling complaints. Please always contact us first, either via the website (click here), or via the application (via the "Contact us" tab) so that we can handle your complaint together.
If, despite our best efforts, you are not satisfied, you can contact the insurance ombudsman.
