Privacy Policy

How we handle your personal data

1. Data Controller

B&B Insurance
Korte Keppestraat 21 bus 27, 9320 Aalst, Belgium
Company number (KBO): 1024.806.087
FSMA number: 118 339
Email: info@bb-insurance.be

B&B Insurance acts as the data controller for personal data collected and processed in the context of its activities as an insurance broker. For certain processing activities, our office acts as a processor on behalf of the insurance companies with which we collaborate.

2. When do we collect your data?

We collect and process your personal data when you:

Contact our office (by phone, email, or via the contact form on our website)
Request a quote or insurance advice
Take out an insurance contract through our office
File or have a claim managed through our office
Visit our website (via cookies and similar technologies)
Subscribe to our newsletter or communications
Visit our office for a personal consultation

3. What data do we collect?

Depending on the purpose of the processing, we may collect the following data:

Identification data: name, date of birth, address, phone number, email address, national register number
Financial data: bank account number, income data (for certain insurances)
Insurance data: policy numbers, claim history, risk profiles
Health data: medical data necessary for hospitalization, life, or accident insurance (only with your explicit consent)
Vehicle and property data: license plate, chassis number, cadastral data
Browsing behavior: IP address, cookies, pages visited (see our Cookie Policy)

4. Why do we process your data?

Your personal data is processed for the following purposes:

Customer management: managing your customer relationship and communication
Insurance advice: analyzing your needs and providing personalized advice
Contract management: concluding, modifying, and monitoring insurance contracts
Claims management: handling and following up on claims
Legal obligations: complying with legal and regulatory obligations (anti-money laundering, tax obligations)
Fraud prevention: preventing, detecting, and combating fraud
Direct marketing: informing you about relevant products and services (only with your consent)

5. Legal basis

We process your data on the basis of:

Performance of a contract: when processing is necessary for concluding or executing your insurance contract
Legal obligation: when we are legally required to process certain data
Legitimate interest: for purposes such as fraud prevention and improving our services
Consent: for the processing of health data and for direct marketing (you can withdraw your consent at any time)

6. Sharing with third parties

Your data may be shared with:

Insurance companies: for concluding and managing your insurance policies
Reinsurance companies: in the context of risk management
Experts and claims handlers: when handling claims
Fraud databases: such as Datassur, in the context of fraud prevention
Government authorities: when we are legally obligated to do so
IT service providers: who assist us in data processing (under strict contractual conditions)

We never sell your personal data to third parties.

7. Retention period

We do not retain your personal data longer than necessary for the purpose for which it was collected. In general, we apply the following retention periods:

Customer data: during the term of the contract and up to 10 years after termination (statutory limitation period)
Claims data: up to 10 years after the claim file has been settled
Accounting data: 7 years (legal obligation)
Marketing data: until withdrawal of your consent

8. Your rights

Under the General Data Protection Regulation (GDPR), you have the following rights:

Right of access: you can ask what data we process about you
Right to rectification: you can request correction of inaccurate data
Right to erasure: you can request deletion of your data (under certain conditions)
Right to restriction of processing: you can request temporary restriction of processing
Right to data portability: you can request to receive your data in a structured format
Right to object: you can object to processing for direct marketing
Right to withdraw consent: when processing is based on consent

To exercise your rights, please contact us at info@bb-insurance.be.

9. Filing a complaint

If you believe your personal data is not being processed correctly, you can file a complaint with the Data Protection Authority:

Gegevensbeschermingsautoriteit (GBA)
Drukpersstraat 35, 1000 Brussels, Belgium
Phone: +32 (0)2 274 48 00
Email: contact@apd-gba.be
Website: www.gegevensbeschermingsautoriteit.be

10. Changes

B&B Insurance reserves the right to modify this privacy policy. The most recent version is always available on our website. In case of substantial changes, we will inform you accordingly.

Last updated: March 2026