{"id":3391,"date":"2020-05-07T13:08:03","date_gmt":"2020-05-07T13:08:03","guid":{"rendered":"http:\/\/dhondt-insurance.com\/?page_id=3391"},"modified":"2020-11-05T15:14:39","modified_gmt":"2020-11-05T15:14:39","slug":"mifid","status":"publish","type":"page","link":"https:\/\/www.dhondt-insurance.com\/en\/mifid\/","title":{"rendered":"MIFID"},"content":{"rendered":"
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> ASSURMIFID RULES OF CONDUCT<\/h3>
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Our office is required to comply with the \"AssurMiFID rules of Conduct\" and will provide you with the following information:<\/p>\n

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1. Products and services offered<\/span><\/p>\n

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1.1 Information on the concept of distribution of insurance products<\/p>\n

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Our office offers services of distribution of insurance products, i.e. the activities consisting in advising on insurance contracts, offering, proposing, carrying out preparatory work to conclude insurance contracts or concluding insurance contracts, or in assisting in their management and implementation.<\/p>\n

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1.2 Numbers of the branches and the titular<\/p>\n

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1: Accidents
\n2: Sickness
\n3: Vehicle casco- excluding rolling railway equipment;
\n4: Casco rolling railway equipment
\n5: Aircraft cadsco
\n6: Airframe sea and barges
\n7: Goods transported including goods for sale, luggage and all other goods
\n8: Fire and nature events
\n9: Other damage to goods
\n10: BA motor vehicles
\n11: BA aircraft
\n12: BA sea and barges
\n13: General BA
\n14: Credit
\n15: Bail
\n16: Various financial losses
\n17: Legal aid
\n18: Assistance
\n21: Life insurance not linked to investment funds, excluding dowry and birth insurance
\n22 : Dowry and birth insurance, not affiliated with investment funds
\n23: Life, dowry and birth insurance in connection with investment funds
\n26: Capitalisation operations27: Management of collective pension funds
\n1.3 Policy conditions(information including from the Sector Catalogue)<\/p>\n

2. Information on conflicts of interest policyinformatie onder andere uit de Sector Catalog<\/a>)<\/p>\n

2. Information on conflicts of interest policy<\/span><\/p>\n

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The AssurMiFID Rules of Conduct impose on our office to draw up a written policy for the management of conflicts of interest. Below you can find more information about how our office is implementing this.<\/p>\n

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INFORMATION ABOUT OUR OFFICE'S CONFLICT OF INTEREST POLICY.<\/p>\n

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2.1. Legislative framework<\/p>\n

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As of April 30, 2014, the AssurMiFID rules of conduct will be in force. They find their legal basis in the Law of 30 July 2013 to strengthen the protection of customers of financial products and services as well as the powers of the FSMA and various provisions as well as the KB of 21 February 2014 on the rules governing the application of Articles 27 to 28a of the Law of 2 August 2002 on the supervision of the financial and financial services of the insurance sector and KB of 21 February 2014 on the rules of conduct and rules on the management of conflicts of interest, as regards the insurance sector.
\nIn accordance with these rules of conduct, our office is required to establish a written policy for the management of conflicts of interest in the provision of insurance product distribution services.
\nThe legislation on conflicts of interest is in addition to the general MiFID Constitution. This Constitution is respected by our office by being loyal, equitable and professional in the interests of the customer in providing services of distribution of insurance products.<\/p>\n

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2.2. What conflicts of interest?<\/p>\n

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In view of our conflict of interest policy, our office has identified the potential conflicts of interest in our office in a first step.
\nConflicts of interest may arise between (1) our office and its connected persons and a customer or (2) between several clients. The conflict of interest policy takes into account the characteristics of our office and its possible group structure.
\nWhen assessing potential conflicts of interest, our office has identified situations where there is a significant risk of harming the interests of the customer. It concerns:
\nSituations where profit is made or loss is made at the expense of the client;<\/p>\n

Situations where our office has a different interest in the outcome of the service or transaction.
\nSituations with a financial incentive to put other clients first.
\nSituations where the same company as the client is exercised.
\nSituations where our office receives compensation from a person other than the client for the services provided from distribution of insurance products.
\nSituations where our office holds holdings of at least 10% in voting rights or of the capital of the insurance undertaking(s).
\nSituations where the insurance undertaking(s) hold holdings of at least 10% of the voting rights or of the capital of our firm.<\/p>\n

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2.3. What measures does our office take?<\/p>\n

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Our office takes many measures to ensure that the interest of the customer prevails.<\/p>\n

These include:<\/p>\n

An internal instruction note.
\nAn adapted remuneration policy.
\nA policy that ensures that the related persons only mediate in insurance contracts of which they know the essential characteristics and are able to explain to the clients.
\nA policy that reserves the right of our office to refuse the requested service for the sole purpose of protecting the interests of the customer in the absence of a concrete solution to a specific conflict of interest.
\nA scheme to receive benefits.
\nA policy that ensures that all information provided by our connected persons is correct, clear and not misleading.
\nIf necessary, our office's conflict of interest policy will be updated and\/or updated.<\/p>\n

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2.4. What is the procedure?<\/p>\n

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Potential conflicts of interest identified<\/b><\/h6>\n

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2.5. Specific transparency If in a specific situation our measures could not provide sufficient guarantee, you will be informed by our office about the general nature and\/or sources of the conflict of interest so that you can make an informed decision. You can always contact us for more information.<\/p>\n

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3. Compensation<\/span><\/p>\n

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For our insurance product distribution services, we receive in principle a fee from the insurance company, which is part of the premium you pay as a customer.
\n. In addition, a fee attached to the insurance portfolio of our office at the relevant insurance company or for additional tasks completed by our office is possible. For more information contact us. In the other case, we receive a fee from you as a customer for our insurance product distribution services.<\/p>\n

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Our office is registered in the register of insurance intermediaries kept by the FSMA, at 1000 Brussels, Congress Street 12-14 and can be found on\u00a0http:\/\/www.fsma.be<\/a>.
\nhttp:\/\/www.fsma.be. For all your questions and problems, you can first contact our office. We can always be reached by phone, e-mail or fax.
\nComplaints can also be submitted to the Insurance Ombudsman service at 1000 Brussels, the Mee\u00fbssquare 35, tel. 02\/547.58.71 \u2013 fax. 2\/547.59.75 \u2013\u00a0info@ombudsman.as<\/a>\u00a0–\u00a0www.ombudsman.as<\/a><\/p>\n

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* Law of 30 July 2013 strengthening the protection of customers of financial products and services a\/soak of the powers of the FSMA and various provisions as well as the KB of 21 February 2014 on the rules for the application of Articles 27 to 28a of the Law of 2 August 2002. Concerning the supervision of the financial sector and financial services of the insurance sector and KB of 21 February 2014 on the rules of conduct and rules on the management of conflicts of interest established under the Law, as regards the insurance sector.<\/p>\n\n\t\t<\/div>\n\t<\/div>\n

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<\/div><\/div><\/div><\/div>\n<\/div>","protected":false},"excerpt":{"rendered":"> ASSURMIFID-GEDRAGSREGELS Ons kantoor is gehouden tot het naleven van de \"AssurMiFID-gedragsregels\u201d en deelt u dit verband volgende informatie mee:   1. Aangeboden producten en diensten   1.1 Informatie over begrip distributie van verzekeringsproducten   Ons kantoor biedt diensten van distributie van verzekeringsproducten aan, dwz. de werkzaamheden die bestaan in het adviseren over verzekeringsovereenkomsten, het [...]","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"footnotes":""},"class_list":["post-3391","page","type-page","status-publish","hentry"],"_links":{"self":[{"href":"https:\/\/www.dhondt-insurance.com\/en\/wp-json\/wp\/v2\/pages\/3391","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.dhondt-insurance.com\/en\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/www.dhondt-insurance.com\/en\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/www.dhondt-insurance.com\/en\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.dhondt-insurance.com\/en\/wp-json\/wp\/v2\/comments?post=3391"}],"version-history":[{"count":0,"href":"https:\/\/www.dhondt-insurance.com\/en\/wp-json\/wp\/v2\/pages\/3391\/revisions"}],"wp:attachment":[{"href":"https:\/\/www.dhondt-insurance.com\/en\/wp-json\/wp\/v2\/media?parent=3391"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}