Pre-contractuel conditions

Who are we?

We, EuroCaution Benelux SA, hereafter referred to as EuroCaution, are an insurance and reinsurance broker with head office at 7 rue de Mérovingiens, L-8070 Bertrange, Grand Duchy of Luxembourg.

We are entered on the Luxembourg Register of Trade and Companies under number B169101 and accredited by the Commissariat aux Assurances (Insurance Commission) under number 2012CM012. Our registration can be checked at any time on the Commissariat aux Assurances website at:

We operate under the supervision of the Commissariat aux Assurances, the Luxembourg insurance sector regulatory authority, located at 7 Boulevard Joseph II, L-1840 Luxembourg, Grand Duchy of Luxembourg.

We are also duly authorised to operate in Belgium under the freedom to provide services and are registered to this end with the FSMA, the Belgian Financial Services and Markets Authority, located at 12-14 Rue du Congrès, 1000 Brussels, Belgium (

How can you contact us and how do we communicate with you?

You can use the following methods of communication:


Telephone: Luxembourg: +352 20 21 23 24 – 99

Belgium: +32 2 588 27 63

Post: 7 rue des Mérovingiens, L-8070 Bertrange, Grand Duchy of Luxembourg

You can contact us in the following languages: English, French and Dutch

Our offices are open from Monday to Friday, 9 am to 12 noon and 2 pm to 5 pm

When you have given us your email address in point I above, we will mainly communicate with you by email, sending you documents and information in a durable medium.

Please note, however, that you can always ask to receive paper documents free of charge.

What services do we offer and on what conditions?

We offer insurance distribution services to business customers, to the exclusion of consumers. Our services consist of providing advice on insurance contracts, proposing insurance contracts or carrying out other preparatory work for the conclusion thereof, concluding such contracts, or assisting with the management and execution thereof, particularly in the event of a claim. We offer our services for risks located in the Grand Duchy of Luxembourg and, under the freedom to provide services, in the following countries: Austria, Belgium, Estonia, Finland, France, Germany, Netherlands, Poland and Sweden.

Our distribution and advice services are completely independent. As a broker, we work independently of insurance companies and act to protect your interests, by recommending solutions that meet your requirements and representing you to the insurance companies.

In accordance with the Luxembourg Act of 7 December 2015 concerning the insurance sector, when we distribute an insurance contract to a customer whose habitual residence or establishment is in the Grand Duchy of Luxembourg, we always provide advice, unless you expressly decline such advice. This advice is based on an impartial, personalised analysis, that is, on the analysis of a sufficient number of insurance contracts offered on the market to enable us to give a personalised recommendation regarding the insurance contract that meets your requirements.

Conversely, when we distribute an insurance contract to a customer whose habitual residence or establishment is in Belgium, we do not provide advice, in accordance with the Belgian Act of 4 April 2014 concerning insurance.

Our services are provided in accordance with the general conditions of brokerage attached to this document, which you will accept by signing this document.

You can find all the information by clicking here


Without prejudice to your right to take legal action, if you have any problems, questions, complaints or disputes, you can contact us directly and as a priority using one of the methods of communication set out above. In order for us to handle complaints in a timely manner, please give at least the following information:

  • surname and first name;
  • full postal address;
  • telephone number and/or email address;
  • the number of the insurance contract in question (or at the very least, the type of insurance and/or the insurance company).

If no solution is found despite our efforts to resolve the problem, or if you wish to make a general complaint regarding the service provided, you can contact the Commissariat aux Assurances, the body authorised to receive and examine complaints from consumers pursuant to Article 2 (1) g of the Act of 7 December 2015 concerning the insurance sector:

By email:

By telephone: (+352) 22 69 11 – 1 or by fax: (+352) 22 69 10

By post: 7 Boulevard Joseph II, L-1840 LUXEMBOURG, Grand Duchy of Luxembourg

In Belgium, you can also contact the Insurance Ombudsman:

By email:

By telephone: +32 (0)2 547 58 71 or by fax: +32 (0)2 547 59 75

By post: 35 Square de Meeûs, 1000 Brussels, Belgium

Our guarantee of independence

We hereby confirm:

  • that we do not have any direct or indirect shareholding representing 10% or more of the voting rights or capital of any insurance company;
  • that no insurance company or parent company of an insurance company has a direct or indirect shareholding representing 10% or more of our voting rights or our capital;
  • that service contracts exist that go beyond insurance distribution, which we have concluded with the following insurance companies: Zurich, TMHCC, Atradius, Accredited Insurance Europe Limited (AIEL).

How are we paid for the services that we offer?

For the insurance distribution services provided in relation to an insurance contract, we are paid solely:

  • in the form of commissions paid by the insurance companies and included in the insurance premium;
  • on the basis of fees, that is, a payment made directly by you, with our method of calculating the fees being a percentage of the premium paid to the insurer;
  • on the basis of a combination of commissions and fees.

Further information about our payment system is available on request.