Casco (own-damage car insurance) — Belgium

[1] Own damage: 100% of insured sum ↩

Covers all physical damage to the insured vehicle caused by the policyholder themselves (whether at fault or not) or by others, including during vehicle transport and loading/unloading. Also covers vandalism and intentional acts by third parties. Four specific exclusions apply: wear/construction defects/lack of maintenance; slow-exposure damage (weathering, discolouration, corrosion); maintenance/technical repair costs; damage caused or aggravated by transported animals or objects or overloading.

Wij verzekeren het omschreven voertuig tegen: – stoffelijke schade met inbegrip van datgene dat zich zou voordoen tijdens het vervoer van het voertuig en tijdens het op- of afladen ervan; – vandalisme en opzettelijke daden andere dan deze gepleegd door een verzekerde of een begunstigde.

[2] Total loss: 100% of insured sum ↩

In case of total loss, the insurer pays the insured value (calculated as the global value reduced by the applicable depreciation formula). Two depreciation formulas: Excellence (0% depreciation for first 10,000 km, then 1% per month from month 7 up to month 60) or Classic (1.25% per month from month 1 to month 60). From month 61 onwards, the actual market value applies. For vehicles up to 2 years old, insured value is based on catalogue price or invoice value. The beneficiary under the Excellence formula may elect total loss if repair costs reach at least two thirds of the global vehicle value.

Het voertuig wordt als totaal verlies beschouwd wanneer de herstellingskosten, exclusief belastingen, hoger liggen dan de verzekerde waarde op het ogenblik van het schadegeval, na aftrek van de waarde van het wrak.

[3] Partial loss: Covered ↩

In case of partial damage, the insurer pays the repair costs as established by the expert (appraiser), plus applicable VAT. The contractual deductible is deducted from the amount obtained. If the repair is carried out outside the AG approved repairer network, the deductible is increased by EUR 250.

Wij betalen de begunstigde: – de bij expertise vastgestelde herstellingskosten.

[4] Theft & robbery: 100% of insured sum ↩

Covers theft of the insured vehicle or part thereof, as well as damage resulting from theft or attempted theft. Also covers costs for lock replacement or reprogramming of the anti-theft system when keys/remote are stolen. A police report must be filed within 24 hours of discovery. Compensation is paid from day 21 if the vehicle is not recovered within 20 days. A replacement vehicle is provided for up to 30 days in case of theft. Exclusion: theft when the company-mandated anti-theft system was not activated.

de diefstal van het omschreven voertuig of van een deel ervan alsook de beschadiging van het omschreven voertuig als gevolg van een diefstal of poging tot diefstal;

[5] Glass damage: 100% of insured sum ↩

Covers breakage of the windscreen, side windows, rear window, and glass roof. Both glass and transparent synthetic materials are covered. No deductible applies in the Multirisk guarantee (zero deductible for glass claims). Excluded: glass breakage in case of total loss; windows not repaired or replaced.

Wij verzekeren het omschreven voertuig tegen breuk van uitsluitend: – de voorruit; – de zijruiten en de achterruit; – het glazen dak.

[6] Natural perils: 100% of insured sum ↩

Covers damage directly caused by: natural forces (earthquake, volcanic eruption, falling rocks/stones/ice blocks, landslide, avalanche, snow pressure, flooding, rivers overflowing, storms with wind speeds of at least 80 km/h, hurricane, hail, lightning, wildfire, falling aircraft or parts); collision with an animal; animals gnawing on electrical cables, pipes and insulation in the engine compartment; animals damaging the vehicle charging cable. Also covers indirect damage from collision with large game (deer, roe deer, fallow deer, mouflon, wild boar) or large cattle (cattle, horse, mule, donkey, pig).

Onder natuurgeweld wordt verstaan: aardbeving, vulkaanuitbarsting, neerstorten van rotsen, vallen van stenen of ijsblokken, grondverschuiving of -verzakking, lawine, sneeuwdruk, overstroming of vloedgolf, buiten de oevers treden van waterlopen, storm met windsnelheden van minstens 80 km/u, orkaan, hagel, bliksem, natuurbrand, neerstorten van lucht- en ruimtevaartuigen of delen ervan.

[7] Vandalism: 100% of insured sum ↩

Covered under the Material Damage (Stoffelijke Schade) guarantee: vandalism and intentional acts by third parties (other than by an insured or beneficiary) are explicitly covered. Under the Flexi deductible, vandalism confirmed by a police complaint filed within 24 hours results in zero deductible.

vandalisme en opzettelijke daden andere dan deze gepleegd door een verzekerde of een begunstigde.

[8] Roadside assistance: Conditional ↩

A free 24/7 roadside assistance is included with the mandatory liability (BA) insurance in case of immobilisation due to an accident (including flat tyre) in all countries listed on the insurance certificate, including towing to a garage of the policyholder's choice. Extended roadside and personal assistance (Top Bijstand) is available as an optional add-on. Within the Top Omnium casco product itself, a replacement vehicle is provided during repairs at an approved repairer. The Top Bijstand optional cover provides broader assistance including a replacement vehicle for up to 15 days in Belgium.

[9] Replacement vehicle: Covered ↩

A replacement vehicle is provided: (1) during the full repair period when the insured chooses an AG approved repairer; (2) in case of theft, for up to 30 days. Compensation from theft is paid from day 21. In case of theft of a minivan (monospace), an equivalent replacement vehicle is provided. When the Pack Omnium+ is added, an equivalent-category replacement vehicle is provided for minivans. The approved repairer network covers direct payment of all repair costs.

En cas de vol, vous recevez un véhicule de remplacement jusqu‘à 30 jours et une indemnisation dès le 21e jour.

[10] Driver accident: Optional ↩

Not included in the base Top Omnium casco product. Available as an optional add-on (Top Bestuurder): covers bodily injury to the driver even when at fault. Coverage limit: up to EUR 1,239,467.62. Excluded: driving under the influence of alcohol or drugs; driver without a valid driving licence.

[11] Own damage: Covered ↩

Covers damage to the insured vehicle caused by an accident, by loading/unloading/transport of the vehicle, or by vandalism/malicious acts, including damage from poor-quality or wrong fuel or filling the diesel tank with AdBlue when the tanks are adjacent. Excludes tyre-only damage, wear, construction/material defects, poor maintenance, overload, and damage caused by transported goods/animals. Indemnity = expert-assessed repair cost + non-recoverable VAT + applicable extensions, minus any proportional (under-declaration) reduction and the deductible, capped at the declared insured value. Available on all tiers (base Protection du véhicule, Omnium XL, Omnium XL Pro); Omnium XL Pro additionally pays 10% (max EUR 3,500) on top of the repair indemnity for indirect losses, a top-up not available on the base tier or on Omnium XL for repairs (only for total loss).

Wij dekken de schade veroorzaakt door: een ongeval het vervoeren, het laden of het lossen van het verzekerd voertuig een daad van vandalisme of kwaad opzet.

[12] Total loss: Covered ↩

Vehicle is total loss when repair is technically impossible, or when (VAT-incl.) repair cost exceeds real value + registration tax - wreck value (economic total loss), or on theft not recovered within 30 days. Indemnity = vehicle value at claim date (per the chosen depreciation scale) + VAT (if applicable) + coverage extensions + registration tax, minus proportional rule and deductible, capped at the insured value. On top of this, the base tier (Protection du véhicule) pays no indirect-loss top-up, Omnium XL pays +5% (max EUR 2,500), and Omnium XL Pro pays +10% (max EUR 3,500) of the indemnity for indirect losses (admin costs, calls, travel, child seat, etc.).

Het verzekerde voertuig is een totaal verlies: Wanneer het technisch niet meer mogelijk is de schade te herstellen. We spreken dan van een technisch totaal verlies.

[13] Partial loss: Covered ↩

When the vehicle is declared repairable, AXA pays the expert-assessed repair amount plus non-recoverable VAT and applicable extensions, minus the proportional rule and deductible, never exceeding the insured value. Omnium XL Pro additionally adds 10% (max EUR 3,500) for indirect losses on repairs (not paid for glass-breakage-only claims); this indirect-loss top-up on repairs does not exist on the base tier or on Omnium XL.

Als het verzekerd voertuig herstelbaar wordt verklaard, dan vergoeden wij als volgt: Het bedrag van de herstellingen bepaald door de expert + De btw die u wettelijk niet kan recupereren + De eventuele dekkingsuitbreidingen opgesomd in paragraaf 1.6.

[14] Theft & robbery: Covered ↩

Covers disappearance of the insured vehicle following theft, damage from theft or attempted theft, and lock/anti-theft-code replacement costs after key/remote theft or loss. Excluded if the thief/accomplice lives in the policyholder's household, is an employee/agent of an insured person, if the insured failed to act as a reasonably careful person after losing keys, or if the vehicle was unattended without required precautions (locked doors/boot, closed windows/roof, keys not left in/on the vehicle, required anti-theft device not fitted or not activated) - unless the vehicle was broken into inside a locked individual garage. Identical wording across all three tiers.

Wij dekken: De verdwijning van het verzekerd voertuig ten gevolge van diefstal De schade aan het verzekerd voertuig ten gevolge van een diefstal of een poging tot diefstal De kosten voor het vervangen van de sloten of de codes van het antidiefstalsysteem in geval van diefstal of verlies van de sleutel(s) en/of afstandsbediening.

[15] Glass damage: €2,000 ↩

All tiers cover breakage/cracking of the windscreen, side and rear windows, and the transparent/translucent part of the roof, provided the damaged part is repaired or replaced (no cover on total loss). Only the Omnium XL and Omnium XL Pro tiers (via the Pack XL / Pack XL Pro extension) also cover the glass part of mirrors and lights, capped at EUR 2,000 excl. VAT, and can waive part of the deductible when repaired via an approved glass-repair network partner; this mirror/light and deductible-waiver benefit is not available on the base Protection du véhicule tier.

[16] Natural perils: Covered ↩

Covers damage caused by flooding, hail, storm, falling rocks, landslide, snow/ice pressure, avalanche or any other large-scale natural catastrophe. A 'storm' is defined as gusts reaching at least 80 km/h (per the nearest Royal Meteorological Institute station) or that damage other, at-least-equally-solid goods within a 10 km radius. Identical, unlimited-peril wording across all three tiers; per the IPID this is the only peril present even in the most stripped-down 'Nature Protect' formula.

Wij dekken de schade veroorzaakt door overstroming, hagel, storm, vallende stenen, grondverschuiving, sneeuw- of ijsdruk, lawine of enige andere natuurkracht van grotere omvang.

[17] Vandalism: Covered ↩

Vandalism and malicious acts are explicitly covered as part of the Material Damage (Accident) guarantee in every tier, alongside accident, loading/transport damage and fuel mix-up/AdBlue errors.

Wij dekken de schade veroorzaakt door: een ongeval het vervoeren, het laden of het lossen van het verzekerd voertuig een daad van vandalisme of kwaad opzet.

[18] Roadside assistance: €500 ↩

Full roadside assistance ('Wegenhulp') is a separate, optional guarantee, not automatically bundled with the casco (Protection du véhicule) product - it applies only if stated in the special conditions. It covers towing/breakdown assistance (capped at EUR 250 if not organised by AXA, or EUR 500 if towed by a police-appointed tow operator), hotel costs (EUR 125/night, max EUR 1,250), phone/data costs abroad (max EUR 100) and vehicle storage (max EUR 125 for up to 10 days), plus fuel/key/flat-tyre assistance. Separately, a basic '1st aid' roadside service (towing, return trip) is already included free of charge with the compulsory liability (BA) policy regardless of whether casco/Wegenhulp is purchased.

Wanneer we zelf de pechverhelping of sleping niet organiseren, is onze tussenkomst beperkt tot 250 EUR... Wanneer de sleping uitgevoerd werd door erkende takelaar in opdracht van de politie, is onze tussenkomst beperkt tot 500 EUR.

[19] Replacement vehicle: Optional ↩

Provision of a temporary replacement vehicle (category B, or a 10m3 light van with GPS for light trucks) is a separate optional guarantee (compulsory add-on for motorcycles, or bundled with the casco/roadside guarantees). In Belgium it is provided for up to 7 consecutive days after an accident/fire/breakdown/attempted theft, extended to 15 days if repaired at an AXA-approved network garage, and up to 30 days on theft; abroad it is provided for up to 7 days. Provision depends on the rental company's own conditions (minimum age, driving licence, deposit, mileage limits).

Ja, de door ons geconventioneerde garage stelt een vervangvoertuig ter beschikking vanaf het begin van de herstellingswerken en tot het einde ervan met een maximum van 30 dagen.

[20] Driver accident: Optional ↩

Bodily injury cover for the driver ('Bescherming van personen' / driver 'Veiligheid van de bestuurder') is not part of the casco (Protection du véhicule) guarantee itself; it is a separate optional guarantee offered in a flat-rate or indemnity-based formula, not detailed in the casco policy wordings reviewed. Distinct from this, the compulsory liability policy's 'BOB' extension separately covers bodily injury of a designated sober driver ('BOB') up to EUR 100,000 and material damage to the insured vehicle they caused up to EUR 25,000 excl. VAT (EUR 500 deductible) when they are at fault in an accident - this is a liability-side benefit, not a casco own-driver accident cover.

Waarborg Bescherming van personen op vergoedende wijze:veiligheid van de bestuurder.

[21] Own damage: Conditional ↩

Own damage from collision, accident, overturning, vandalism, load, wrong fuel choice, and rodent damage to cables/insulation under the bonnet is covered only under Grote/Grande Omnium (not under Kleine/Petite Omnium). Payout is based on the insured value chosen (invoice value or original catalogue value) rather than a fixed sum; a deductible set in the Bijzondere Voorwaarden/Conditions Particulières applies, increased by EUR 250 if a non-habitual driver under 23 causes the claim, but no deductible applies to vandalism or total loss.

[22] Total loss: 100% of insured sum ↩

In case of total loss, payout is based on the insured value chosen (invoice or catalogue value) and the selected Formule (36, 24, 12, 6 or 0). With Formule 36, for a new vehicle, the insured receives 100% of the insured value in case of total loss during the first 3 years. No deductible applies to total loss unless the driver at fault is a non-habitual driver under 23 years old.

[23] Partial loss: Conditional ↩

The IPID does not define a separate 'partial loss' category; partial damage to the vehicle is covered under the Voertuigschade guarantee, available only under Grote Omnium (excluded from Kleine Omnium). Payout is based on the insured value chosen, and a deductible set in the Bijzondere Voorwaarden applies (increased by EUR 250 for a non-habitual driver under 23).

[24] Theft & robbery: Covered ↩

Covers damage from theft including carjacking, homejacking, joyriding, burglary/attempted burglary or theft of the insured vehicle. Covered under both Grote/Grande and Kleine/Petite Omnium; no deductible applies. The insured must report the theft to the police within 24 hours of discovering it.

[25] Glass damage: Covered ↩

Covers damage to front, rear and side windows, glass roof panels, and damage caused by glass shards. Covered under both Grote/Grande and Kleine/Petite Omnium; no deductible applies.

[26] Natural perils: Covered ↩

Covers damage from storm, hail, lightning, falling rocks, avalanche, flooding and collision with animals. Covered under both Grote/Grande and Kleine/Petite Omnium; no deductible applies.

[27] Vandalism: Conditional ↩

Vandalism is covered as part of the Voertuigschade/Dégâts au véhicule guarantee, available only under Grote/Grande Omnium (excluded from Kleine/Petite Omnium). No deductible applies to vandalism, even though a deductible otherwise applies to vehicle damage.

[28] Roadside assistance: Covered ↩

Baloise Assistance takes the insured vehicle to a repairer following a covered claim and also brings the insured and their luggage home.

[29] Replacement vehicle: Optional ↩

Only available as part of the optional Safety Pack Omnium, which can only be taken in addition to Grote/Grande Omnium. Provides a replacement vehicle for a maximum of 30 days in case of total loss or theft of the insured vehicle. No fixed monetary cap is stated; duration only.

[30] Driver accident: See details ↩

No driver personal-accident cover is described in the Omnium Safe 1 IPID documents reviewed.

[31] Own damage: 100% of insured sum ↩

Included only under the Full Omnium formula: covers material damage to the insured vehicle even when the policyholder is at fault, when no third party is identified, or in case of vandalism (e.g. collision with a wall). Reimbursement is capped at the insured value and is subject to a contractual deductible.

Nous couvrons tous les dommages matériels au véhicule assuré, sauf si ces dégâts sont expressément exclus.

[32] Total loss: 100% of insured sum ↩

Covers total loss of the insured vehicle (technically irreparable, or repair cost exceeds the vehicle's real value, or a stolen vehicle not recovered within 15 days). Available from the Mini Omnium Up formula upward (Mini Omnium Up = classic Mini Omnium plus total-loss cover). No deductible applies to this guarantee. Indemnity is based on the insured-value system chosen in the policy (agreed, functional or real value), capped at the insured value.

Nous couvrons les dommages causant la perte totale du véhicule assuré, sauf si ces dommages sont expressément exclus.

[33] Partial loss: 100% of insured sum ↩

Covers repairable (non total-loss) material damage to the insured vehicle, included only under the Full Omnium formula. Reimbursement of repair costs up to the insured value, subject to the contractual deductible.

Nous couvrons tous les dommages matériels au véhicule assuré, sauf si ces dégâts sont expressément exclus.

[34] Theft & robbery: 100% of insured sum ↩

Covers theft or attempted theft of the vehicle or its parts, including theft with violence (carjacking/homejacking) and damage caused during the theft. Included in all three Omnium formulas (Mini Omnium, Mini Omnium Up, Full Omnium). No deductible applies. Coverage requires a certified anti-theft/tracking system if stipulated in the Conditions Particulières (not mandatory once the vehicle is 5 years old). A category-B replacement vehicle is provided for up to 21 days after a theft declaration.

Nous couvrons le vol du véhicule assuré ou d'éléments du véhicule, ainsi que les dommages causés au véhicule en vue de l'accomplissement du vol. La garantie vaut également en cas de vol avec violence ou de menace à votre encontre ou à celle des membres de votre ménage cohabitants.

[35] Glass damage: 100% of insured sum ↩

Covers breakage of the windscreen, side windows, rear window and transparent sunroof panel (glass or synthetic), including chips and cracks, and resulting damage to the vehicle itself. Included in all three Omnium formulas; no deductible applies. Repairs via Autoglass Clinic, Carglass or Touring Glass are settled directly (third-party payment).

Nous couvrons le véhicule assuré contre le bris de vitres, c'est-à-dire le bris du pare-brise, des vitres latérales, de la lunette arrière et de la partie transparente du toit (ouvrant ou non), que ces vitres soient en verre ou en matière synthétique.

[36] Natural perils: 100% of insured sum ↩

Covers exceptional natural forces (storm with winds over 80 km/h, hail, flood, landslide, earthquake, etc.) constituting force majeure, plus collision with an animal, chain collisions involving at least 4 identified vehicles, and damage to engine wiring caused by martens or rodents. Included in all three Omnium formulas; no deductible applies.

Nous couvrons le véhicule assuré contre les dégâts résultant d'une force de la nature exceptionnelle qui constitue pour l'assuré un cas de force majeure.

[37] Vandalism: 100% of insured sum ↩

Vandalism damage to the insured vehicle is covered as part of the material-damage guarantee (Dégâts Matériels), available only under the Full Omnium formula. Subject to the contractual deductible.

Nous couvrons tous les dommages matériels au véhicule assuré, sauf si ces dégâts sont expressément exclus.

[38] Roadside assistance: Covered ↩

Automatically included whenever the vehicle becomes undrivable following a claim covered by a subscribed Omnium guarantee: on-the-spot breakdown assistance and towing to the garage of the policyholder's choice in Belgium (or within 30 km beyond the border), plus transport of passengers home. This basic cover can be extended with the optional Assistance insurance (Mobilité Start / Go / Go+ formulas), which adds 24/7 towing and breakdown cover across Belgium and abroad plus replacement-vehicle entitlements.

Si le véhicule désigné n'est plus en état de rouler à la suite d'un sinistre faisant intervenir l'une des garanties Omnium assurées, l'assuré doit faire appel à la centrale d'assistance au moment du sinistre afin de bénéficier de l'assistance Omnium.

[39] Replacement vehicle: €4,000 – €7,000 ↩

Under the Vol (theft) guarantee, a category-B rental vehicle is covered for up to 21 days after a theft declaration. Under the optional Assistance insurance, the Mobilité Start formula covers a category-B replacement vehicle (or 85 EUR/day mobility budget) for up to 7 days abroad plus rental-vehicle material damage cover up to 4.000 EUR/year; Mobilité Go extends the 7-day cover to Belgium as well; Mobilité Go+ upgrades to a category-D vehicle for up to 15 days in Belgium and abroad, up to 7.000 EUR/year rental-vehicle cover, and an additional foreign-repair support package up to 1.400 EUR.

Dekking van materiële schade aan een huurauto in België en in het buitenland (maximum 4.000 euro/jaar).

[40] Driver accident: €500,000 ↩

Separate optional guarantee (Assurance du Conducteur) that indemnifies the driver's bodily injury or death regardless of fault, up to 500.000 EUR per claim under common-law rules, including up to 500 EUR per claim for clothing damage.

L'indemnisation des différents préjudices garantis s'effectue selon les règles du droit commun... jusqu'à concurrence de 500.000 EUR maximum par sinistre, avec un maximum de 500 EUR par sinistre pour l'indemnisation du préjudice vestimentaire.

[41] Own damage: 110% of insured sum ↩

Covers damage to the insured vehicle resulting from an accident, an act of vandalism, or transport by rail, water or air; excludes tyre-only damage, wear, mechanical defects and manifestly poor maintenance. Available only under the Full Omnium formula, subject to a €500 deductible (reducible to €250 for a premium surcharge). The insured value on which indemnification is based may be set up to 110% of the invoice value if the increased-value option is chosen.

Wij verzekeren het omschreven motorrijtuig tegen schade: die het gevolg is van een ongeval; als gevolg van vandalisme; veroorzaakt tijdens het vervoer per spoor, te water of door de lucht.

[42] Total loss: 110% of insured sum ↩

Total loss applies when the vehicle is technically irreparable, when repair costs exceed the insured value (minus wreck value), or when a stolen vehicle is not recovered within 30 days of the theft declaration. Indemnification equals the insured value (up to 110% of invoice value if the increased-value option was chosen) minus the wreck value, unless the insurer is instructed to sell the wreck. An additional 10% total-loss bonus is paid on top of the standard compensation.

Il est question de perte totale: lorsque le véhicule n'est techniquement pas réparable. lorsque les frais de réparation sont plus élevés que la valeur du véhicule automoteur désigné... diminuée de la valeur de l'épave.

[43] Partial loss: Covered ↩

Applies when a covered incident does not result in total loss. Repair costs are indemnified based on the expert's report and on presentation of the detailed repair invoice from the repairer where the expertise took place; applies to whichever peril is covered under the selected formula (fire/theft/glass/nature under Petite Omnium; also accident/vandalism under Full Omnium).

Wij vergoeden de herstellingskosten op basis van het expertiseverslag en gestaafd door een gedetailleerde herstellingsfactuur van de hersteller waar de expertise heeft plaats gevonden.

[44] Theft & robbery: Covered ↩

Covers damage to the insured vehicle resulting directly from theft or attempted theft. Reprogramming or lock-replacement costs are reimbursed if stolen keys/remotes are reported to police within 24 hours. Excludes cases where the vehicle was left unlocked, with windows/boot/sunroof open, in a public place with visible keys, or without the required anti-theft device (unless within the first 30 days after the offer, or the vehicle was in a locked individual garage).

Wij verzekeren de beschadiging van het omschreven motorrijtuig als rechtstreeks gevolg van een diefstal of een poging tot diefstal. Indien de sleutels en/of de afstandsbediening van het omschreven motorrijtuig gestolen werden, vergoeden wij de kosten voor het herprogrammeren van het vergrendelingssysteem of voor de vervanging van de sloten voor zover dat binnen de 24 uur klacht neergelegd werd bij de politie.

[45] Glass damage: Covered ↩

Covers breakage of the windscreen, rear window, side windows, or the transparent part of a glass roof, plus any resulting material damage to the vehicle. Headlight and mirror glass breakage is excluded.

Wij verzekeren het breken van de voorruit, de achterruit of de zijruiten alsmede het breken van het doorzichtige gedeelte van het glazen dak, of een gelijkwaardig materiaal, van het omschreven motorrijtuig alsmede de materiële schade aan het rijtuig die het gevolg is van de glasbreuk.

[46] Natural perils: Covered ↩

Covers direct damage caused by rockslides, landslides, avalanche, snow pressure, storms with wind speeds proven over 100 km/h, hurricanes, hail, tidal waves, flooding, earthquakes and volcanic eruptions, as well as demonstrable collisions with loose animals and damage to pipes, cables and insulation in the engine compartment caused by martens or rodents.

Wij verzekeren directe schade aan het omschreven motorrijtuig veroorzaakt door de volgende natuurkrachten: rots instortingen, van rotsen vallend gesteente, aardverschuiving, lawine, sneeuwdruk, storm met een bewezen windsnelheid van meer dan 100 km/uur, orkaan, hagel, vloed, overstroming, aardbeving, vulkaanuitbarsting.

[47] Vandalism: Conditional ↩

Covers material damage to the insured vehicle resulting from an act of vandalism. Available only under the Full Omnium formula, subject to the same €500 deductible as other material damage claims (reducible to €250 for a premium surcharge).

Nous assurons le véhicule automoteur désigné contre les dommages: qui résultent d'un accident résultant d'actes de vandalisme occasionnés lors du transport par chemin de fer, sur l'eau ou dans les airs.

[48] Roadside assistance: Covered ↩

Included as a base benefit of the Kilometerverzekering (not tied to Omnium tier selection). Provides 24/7 assistance if the insured vehicle is stolen or immobilised following an accident, fire, vandalism or breakdown in Belgium, Luxembourg or up to 30 km beyond the Belgian border with the other neighbouring countries: towing to a garage, transport of uninjured passengers home, lock-out assistance, reimbursement of a taxi (up to €150) if keys are lost with a spare at home, and up to 24 hours of vehicle storage. Limited to a maximum of 2 breakdown interventions per insurance year.

La garantie assistance 24h/24 est uniquement valable si le véhicule automoteur assuré est volé ou immobilisé sur place à la suite d'un accident, d'un incendie, d'un acte de vandalisme ou d'une panne en Belgique, au Luxembourg ou jusqu'à maximum 30 km au-delà des frontières belges avec les autres pays voisins.

[49] Replacement vehicle: €850 ↩

Optional cover, only applicable if included in the special conditions. If the insured vehicle is stolen or immobilised in Belgium, Luxembourg or up to 30 km beyond the Belgian border, a category-B replacement vehicle is provided for a maximum of 10 consecutive days (accident/fire/vandalism/breakdown), extended to 20 days for technical total loss and 30 days for theft. Instead of a replacement vehicle, the policyholder may opt for a mobility budget of up to €85 per day, capped at €850 in total per claim; any unused budget is not recoverable.

Het mobiliteitsbudget wordt toegekend per schadegeval, met een maximum van 85 EUR per dag en een totaal maximum van 850 EUR.

[50] Driver accident: €150,000 ↩

Optional cover, only applicable if included in the special conditions, indemnifying any authorised driver of the insured vehicle for bodily injury and/or death resulting from an accident involving the insured vehicle, regardless of fault. Amounts: up to €37,500 for death, up to €37,500 for partial permanent disability, up to €150,000 for total permanent disability, €75 per day of hospitalisation (max. 365 days), up to €7,500 for medical costs, up to €1,500 for clothing damage and up to €375 for veterinary costs.

jusqu'à €37.500,00 en cas de décès jusqu'à €37.500,00 en cas d'invalidité permanente partielle jusqu'à €150.000,00 en cas d'invalidité permanente totale pour une indemnisation de €75,00 par jour d'hospitalisation

[51] Own damage: 100% of insured sum ↩

Covers material damage to the insured vehicle caused by the policyholder (at fault or not) or by third parties, including damage during transport, loading or unloading, and vandalism; indemnity equals the insured value, capped at the vehicle's global value, subject to only four contractual exclusions.

Nous assurons le véhicule désigné contre : – les dommages matériels y compris ceux qui surviendraient lors du transport du véhicule et pendant les opérations de chargement ou de déchargement y afférentes ; – les actes de vandalisme et les actes intentionnels autres que ceux commis par un assuré ou un bénéficiaire.

[52] Total loss: 100% of insured sum ↩

If repair costs exceed the insured value (or, under the Excellence formula, at least two-thirds of the vehicle's global value), the vehicle is deemed a total loss and AG pays the insured value, reduced by prior unrepaired claim payments, plus VAT and registration tax where applicable. Depreciation depends on the chosen formula: Classic 1.25%/month from month 1; Excellence 1%/month from month 7 once at least 10,000 km are on the odometer; Standard 1%/month from the invoice date.

Le véhicule est considéré en perte totale lorsque les frais de réparation hors taxes excèdent la valeur assurée au moment du sinistre, déduction faite de la valeur de l'épave.

[53] Partial loss: Covered ↩

Repair costs as assessed by the appointed expert are paid, plus applicable VAT, minus the contractual deductible; stolen or destroyed insured accessories are indemnified applying the same depreciation coefficient as for total loss.

Nous payons au bénéficiaire : – les frais de réparation fixés par expertise. En cas de vol ou de destruction totale d'accessoires assurés, l'indemnité allouée est obtenue en appliquant à la valeur desdits accessoires le coefficient de dépréciation prévu en cas de perte totale.

[54] Theft & robbery: 100% of insured sum ↩

Covers theft or attempted theft of the vehicle or a part of it, and resulting damage, plus lock replacement/reprogramming costs after key or remote-control theft; a police report must be filed within 24 hours. If the stolen vehicle is not recovered within 20 days it is indemnified as a total loss.

Nous assurons : – le vol du véhicule désigné ou d'une partie de celui-ci ainsi que sa détérioration du fait d'un vol ou d'une tentative de vol; – les frais de remplacement des serrures et/ou de reprogrammation du système de protection contre le vol lors du vol des clés et/ou de la commande à distance ;

[55] Glass damage: Covered ↩

Covers breakage of the windscreen, side and rear windows, and glazed roof (including transparent synthetic materials); excluded if the vehicle is a total loss or the glass is not repaired or replaced.

Nous assurons le véhicule désigné contre le bris des seuls : – pare-brise ; – vitrages latéraux et arrière ; – toit vitré.

[56] Natural perils: Covered ↩

Covers direct damage from natural forces (earthquake, volcanic eruption, landslide, avalanche, flooding, storm ≥80 km/h, hail, lightning, vegetation fire, falling aircraft/spacecraft debris) and collision with an animal, including indirect damage from collision with large game or livestock, and animal damage to wiring, hoses or the vehicle's charging cable.

Nous assurons le véhicule désigné contre le dommage causé directement par: – l'action des forces de la nature.

[57] Vandalism: 100% of insured sum ↩

Vandalism and intentional acts committed by persons other than the insured or beneficiary are covered under the Material Damage guarantee, as part of the full Omnium.

les actes de vandalisme et les actes intentionnels autres que ceux commis par un assuré ou un bénéficiaire.

[58] Roadside assistance: €1,500 ↩

For a covered claim, AG additionally covers towing to the nearest garage, the repair estimate and provisional garage costs, repatriation costs, customs duties if the vehicle cannot be re-imported in time, and registration-plate replacement costs, up to a combined maximum of EUR 1,500.

En cas de sinistre couvert, nous prenons également en charge pour le véhicule désigné, jusqu'à concurrence de 1.500,00 EUR au maximum: – les frais de remorquage au garage le plus proche du lieu de l'accident;

[59] Replacement vehicle: Conditional ↩

A replacement vehicle is provided for the whole duration of repairs when using an AG-approved repairer, and for up to 30 days in case of theft.

During the incapacity period at an approved repairer, and in case of theft, you are entitled to a replacement vehicle for 30 days thanks to your comprehensive car insurance or mini-comprehensive insurance.

[60] Driver accident: See details ↩

No driver bodily-injury/accident cover is described within the Top Omnium casco guarantees; AG sells driver accident cover as a separate guarantee.

[61] Own damage: Conditional ↩

Damage to the insured vehicle resulting from a collision, including when the policyholder is at fault, is covered under the full omnium (omnium tous risques/complète); this cover is not included under the partial omnium, which only covers a limited list of named perils.

Les dommages résultant d'une collision, d'un incendie, d'un bris de glaces, d'un vol, de vandalisme, de l'action des forces de la nature, du plein avec le mauvais carburant, d'une collision avec des animaux errants ou des oiseaux, et les dommages dus aux fouines.

[62] Total loss: Covered ↩

In case of total loss, the full omnium offers a choice of 4 settlement formulas (guaranteed value, agreed value, new value, accelerated depreciation) while the partial omnium offers a choice of 2 formulas (agreed value, accelerated depreciation); both tiers reimburse the registration tax (TMC) and fiscal stamp, and a purchase-price guarantee applies (up to 48 months for new/electric vehicles, 30 months for new fossil-fuel vehicles, and 24 months for used vehicles).

pour l'indemnisation des dommages en cas de perte totale, choix entre 4 formules :

[63] Partial loss: Conditional ↩

The full omnium covers virtually all partial damage except exclusions listed in the general terms (e.g. drunk driving above 1.5‰, theft facilitated by an unattended/unlocked vehicle, driver not meeting legal requirements, wear and tear); the partial omnium only covers partial damage arising from named perils (theft/attempted theft, glass breakage, natural forces, fire/explosion, collision with animals or birds, falling aircraft parts).

tous les sinistres sont assurés sauf ceux repris explicitement dans la liste des exclusions.

[64] Theft & robbery: Covered ↩

Theft and attempted theft of the vehicle are covered under both the full and partial omnium, including damage caused during the theft (accident or vandalism); medical costs for injuries following a violent theft (car-jacking or home-jacking) and lock replacement/reprogramming costs after key theft are also reimbursed, even without damage to the vehicle.

vol ou tentative de vol (pendant la durée du vol, les dommages par suite d'accident ou de vandalisme sont également couverts)

[65] Glass damage: Covered ↩

Breakage of windows or the transparent part of the roof is covered under both the full and partial omnium; no deductible applies if the repair is carried out via a CBC-approved method (approved repairer or Carglass).

bris de glaces : bris de vitres ou de la partie transparente du toit

[66] Natural perils: Covered ↩

Damage caused by the forces of nature (lightning, storm, hail, flooding, earthquake) is covered under both the full and partial omnium, with no deductible applied.

action des forces de la nature,

[67] Vandalism: Covered ↩

Vandalism is fully covered under the full omnium; under the partial omnium it is only covered when it occurs during the course of a theft or attempted theft of the vehicle.

Sont par exemple assurés : les dommages faisant suite à une collision, du vandalisme, un vol, l'action des forces de la nature, le bris de glaces et l'incendie.

[68] Roadside assistance: Conditional ↩

CBC-Auto Assistance (vehicle and persons assistance) is automatically included within the full omnium; for the partial omnium or a standalone RC policy, assistance must be purchased separately as the CBC-Auto Assistance product, available in 3 formulas.

une assistance étendue (assistance CBC-Auto Assistance)

[69] Replacement vehicle: Conditional ↩

A replacement vehicle in Belgium for a maximum of 7 consecutive days is automatically provided under the full omnium in case of accident, breakdown, or theft; this benefit is not automatically included under the partial omnium.

voiture de remplacement en Belgique pendant la durée de l'immobilisation (avec un maximum de 7 jours consécutifs) en cas d'accident, de panne ou de vol.

[70] Driver accident: Optional ↩

Driver/traffic accident cover, which pays pre-agreed lump sums for bodily injury to the driver and family members regardless of fault, is a separate, optional cover within the Police Voiture CBC and is not part of the omnium; policyholders choose among 5 capital tiers.

pour les capitaux assurés : choix entre 5 séries différentes

[71] Own damage: Conditional ↩

All material damage to the insured vehicle is covered unless explicitly excluded or covered by another guarantee. This Material Damage guarantee is only part of Full Omnium, not Mini-Omnium.

Wij verzekeren alle materiële schade aan het verzekerde rijtuig behalve als: - deze schade expliciet uitgesloten is; - het schadegeval onder een andere waarborg valt.

[72] Total loss: Covered ↩

In case of total loss, the indemnity equals the vehicle's value at the time of the claim (new value, agreed value -6/-12/-24/-36/-48 months, functional value or actual value depending on the chosen system), less the wreck value.

De vergoeding is gelijk aan de waarde bij schadegeval van het verzekerde rijtuig verminderd met de waarde van het wrak.

[73] Partial loss: Covered ↩

For partial damage, repair costs established by contradictory assessment or invoice are reimbursed, plus non-recoverable VAT. Urgent or provisional repairs are reimbursed up to 1,000 EUR without prior damage assessment.

Als het rijtuig gedeeltelijk beschadigd is, vergoeden wij de herstellingskosten vastgesteld bij tegensprekelijke schatting of, indien wij de door de verzekerde voorgelegde schaderaming hebben aanvaard, door een gedetailleerde factuur.

[74] Theft & robbery: Covered ↩

Theft of the vehicle or its equipment, and damage caused to commit the theft, are covered under both Mini- and Full Omnium. In case of theft, a replacement vehicle (max category B) is provided for up to 21 days.

Wij dekken de diefstal van het verzekerde rijtuig of van de uitrusting ervan evenals de schade aan het rijtuig aangebracht met het oog op de verwezenlijking van de diefstal.

[75] Glass damage: Covered ↩

Covers breakage of the windshield, side windows, rear window and glazed sliding/tilting roof, excluding double glazing or armoured windows, under both Mini- and Full Omnium. Repairs via Carglass require no formalities and no cost to the insured.

het breken van voor-, zij- en achterruiten of de ruit van het schuif- of klapdak, of hun equivalent in kunststof bij gedeeltelijke schade van het rijtuig met uitsluiting van dubbel glas of bepantserde ruiten

[76] Natural perils: Covered ↩

Covers damage from exceptional forces of nature (rockslide, avalanche, storm >80km/h, hail, flood, earthquake, volcanic eruption...) and related perils such as collision with game (with police report), chain collision (min. 4 identified vehicles), marten/rodent damage to cabling, and damage during transport of the vehicle by train, boat or towing service.

Wij dekken de schade door uitzonderlijke natuurkrachten die voor de verzekerde een geval van overmacht maakt.

[77] Vandalism: Conditional ↩

Damage caused by vandalism or malicious acts is covered under the Material Damage guarantee (Full Omnium only), provided that a police report was filed immediately after the incident with the competent police or judicial authority.

schade door daden van vandalisme of van kwaadwilligheid die niet onmiddelijk aangegeven werden bij de territoriaal bevoegde gerechtelijke overheid of bij de politie om een proces-verbaal op te laten maken.

[78] Roadside assistance: Covered ↩

Auto*Assistance: towing of the vehicle to the approved repairer, expert assessment, organisation of the technical inspection after repair, and the third-party payment system at approved repairers, valid in Belgium and up to 30 km beyond the border.

De waarborg omvat de volgende diensten: - het wegtakelen van het verzekerde rijtuig, van de plaats van het schadegeval of van de woonplaats van de verzekerde naar de herstelplaats van de erkende hersteller;

[79] Replacement vehicle: Covered ↩

A replacement vehicle (max category B) is provided for the duration of repairs in case of partial damage, for 6 days in case of total loss, and up to 21 days in case of theft, via a DVV-approved garage. For motorhomes, the replacement vehicle provided is a passenger car, not another motorhome.

[80] Driver accident: Optional ↩

Driver bodily injury is not included in Omnium but can be insured separately via the optional Driver guarantee (Death, Permanent Disability, Treatment Costs, Indirect Losses), with amounts set in the special conditions.

Wij waarborgen de uitkering van de overeengekomen vergoeding in de hierna beschreven omstandigheden.

[81] Own damage: Optional ↩

Covers damage to the insured vehicle from a collision, fall, overturning or accident, including vandalism; included only in the Omnium and Omnium Plus tiers, not in Mini Omnium or Mini Omnium Plus. Indemnity is based on the insured value (catalogue or invoice value) reduced by depreciation coefficients for total loss, or actual repair cost for repairable damage.

L’assureur couvre les dégâts causés au véhicule assuré consécutivement à un accident résultant d’un choc, d’une chute, d’un versement ou d’une collision.

[82] Total loss: Optional ↩

Total loss occurs when the vehicle cannot be repaired or repair costs exceed the contractual indemnity value less wreck value. Mini Omnium pays total loss only when caused by fire, theft, glass breakage or natural forces/animal collision; Mini Omnium Plus adds a dedicated Total Loss guarantee covering any accident (including vandalism); Omnium and Omnium Plus cover total loss from any insured peril, including at-fault accidents. A minimum-value guarantee applies before the 73rd month of the vehicle's age.

Il y a perte totale lorsque le véhicule assuré ne peut plus être réparé ou lorsque le coût des réparations dépasse, au jour du sinistre, la valeur d’indemnisation contractuelle définie ci-dessous, diminuée de sa valeur d’épave.

[83] Partial loss: Optional ↩

Reimburses repair costs, including non-deductible VAT actually borne by the policyholder, for repairable damage under whichever perils are covered by the chosen tier: fire, theft, glass breakage and natural perils for Mini Omnium/Mini Omnium Plus, plus material damage from any accident for Omnium/Omnium Plus.

Lorsque le dommage causé au véhicule assuré par un sinistre garanti est réparable, l’assureur rembourse le coût des réparations, TVA non déductible incluse, pour autant que l’assuré ait effectivement et définitivement supporté cette taxe.

[84] Theft & robbery: Optional ↩

Covers theft and attempted theft of the insured vehicle and its accessories, including theft of the vehicle's keys where this creates an imminent risk of theft; Omnium Plus additionally covers theft of objects transported in the vehicle up to €1,000 per claim. Requires a functioning anti-theft device and a police complaint within 48 hours; excludes theft by family members/employees or theft resulting from mere loss of keys.

L’assureur couvre le véhicule désigné et ses accessoires contre le vol ainsi que les dégâts qui résulteraient d’un vol ou de sa tentative.

[85] Glass damage: Optional ↩

Covers breaking, cracking or scratching of the windscreen, side and rear windows, rear-view mirror glass and glass roofs (including panoramic and sunroofs), except in case of total loss; indemnity covers material and labour based on Belgian catalogue/market prices.

L’assureur couvre le véhicule assuré, sauf en cas de perte totale, contre le bris, la fêlure ou la griffure du pare-brise, des vitres latérales et arrières, du miroir des rétroviseurs et des toits vitrés (y compris les toits panoramiques et toits ouvrants) du véhicule assuré.

[86] Natural perils: Optional ↩

Covers rockfall, landslide, avalanche, snow pressure, storm, hail, flood, hurricane, tornado, earthquake, volcanic eruption and tidal wave, plus unexpected collision with 'big game' or 'large livestock' animals and damage in the engine compartment caused by an animal that got in.

d’éboulement de rochers, de chute de pierres, de glissement de terrains, d’avalanche, de pression d’une masse de neige, de tempête, de grêle, d’inondation, d’ouragan, de tornade, de cyclone, de tremblement de terre, d’éruption volcanique et de raz de marée.

[87] Vandalism: Optional ↩

Vandalism is explicitly excluded from the Mini Omnium and Mini Omnium Plus fire/theft/glass/natural-perils guarantees, but is covered under Mini Omnium Plus's separate Total Loss guarantee, and is explicitly included in the Material Damage guarantee of Omnium and Omnium Plus (including tyre damage from vandalism if reported to police within 48 hours).

Dans le cadre de la présente garantie, sont également assurés : 1. les dégâts résultant d’actes de vandalisme;

[88] Roadside assistance: Covered ↩

Free 24/7 breakdown/towing service to a garage of the policyholder's choice, automatically included with the compulsory liability cover regardless of whether an Omnium tier is taken, valid in Belgium, Luxembourg and up to 50 km beyond the Belgian border with neighbouring countries; also brings the driver and passengers home.

Ethias offre à tout assuré ayant souscrit à la garantie Responsabilité civile un service de dépannage gratuit.

[89] Replacement vehicle: Conditional ↩

Basic 'Mobility' replacement vehicle is provided free once liability is undisputed and repairs are carried out by an Ethias-approved repairer, for the repair duration or 6 days on total loss. 'Mobility Maxi' (category A or B vehicle) provides up to 10 days on repair or 30 days on total loss/theft, subject to Ethias's prior agreement; it must be taken out as an explicit option except in Omnium Plus, where it is automatically included.

l'assureur (tél. 04 220 34 00) garantit la mise à disposition d’un véhicule de remplacement de la catégorie A ou B : pendant une durée maximale de 10 jours en cas de réparations du véhicule désigné ; pendant une durée maximale de 30 jours en cas de perte totale du véhicule désigné.

[90] Driver accident: €1,500,000 ↩

Optional guarantee, separate from the Omnium tiers, covering bodily injury or death of the driver in an at-fault or single-vehicle accident, up to €1,500,000 per claim, calculated under ordinary compensation rules.

L’assureur garantit pour un montant maximum de 1 500 000,00 euros par sinistre aux bénéficiaires les indemnités correspondant aux préjudices détaillés à l'article 3 ci-dessous.

[91] Own damage: 100% of insured sum ↩

The Omnium guarantee indemnifies material damage to the insured passenger car regardless of fault, and can cover up to 100% of the vehicle's value.

De Omniumverzekering biedt je de best mogelijke schadevergoeding, ongeacht of je al dan niet in fout was. De verzekering kan tot 100 % van de waarde van je voertuig vergoeden en biedt meerdere voordelen.

[92] Total loss: 100% of insured sum ↩

In case of total loss for passenger cars, the vehicle is indemnified without loss of value for the first 12 months (catalogue value, Valeur Agréée formula) or the first 24 months (invoice value, Omnium FixValue24 formula); thereafter value decreases by 1% per month until month 60, after which indemnification is based on real value plus 15%.

- 12 premiers mois (sur base de la valeur catalogue) si la formule Valeur Agréée est choisie ; - 24 premiers mois (sur base de la valeur facture) si la formule Omnium FixValue24 est choisie.

[93] Partial loss: Covered ↩

Partial material damage to the insured vehicle is covered under the Dégâts Matériels/Omnium guarantees, subject to a percentage-based franchise specified in the special conditions.

Dégâts Matériels et Omnium : une franchise est appliquée en cas de dégâts matériels à votre véhicule (le montant est précisé en conditions particulières).

[94] Theft & robbery: Covered ↩

Theft and attempted theft of the insured vehicle are covered under the Assurance Incendie + Vol, Petite Omnium and Omnium guarantees; theft/attempted theft also triggers FEDERALE Assistance Auto.

Assurance Incendie + Vol

[95] Glass damage: Covered ↩

Glass breakage on the insured vehicle is covered under Petite Omnium and full Omnium.

Pour les véhicules qui ont déjà plusieurs années, nous vous conseillons d’opter pour la Petite Omnium : elle assure votre véhicule en cas d’incendie, de vol, de bris de vitre et de dégâts causés par les forces de la nature et le heurt d’animaux.

[96] Natural perils: Covered ↩

Damage caused by natural forces and collisions with animals is covered under Petite Omnium and full Omnium.

Pour les véhicules qui ont déjà plusieurs années, nous vous conseillons d’opter pour la Petite Omnium : elle assure votre véhicule en cas d’incendie, de vol, de bris de vitre et de dégâts causés par les forces de la nature et le heurt d’animaux.

[97] Vandalism: Covered ↩

Vandalism is one of the events (alongside accident, fire and theft) that triggers FEDERALE Assistance Auto, and related material damage falls under the full Omnium guarantee.

FEDERALE Assistance auto (pour les voitures et camionnettes ; en cas d’accident, d’incendie, de vol, tentative de vol ou de vandalisme)

[98] Roadside assistance: Covered ↩

FEDERALE Assistance Auto is a base guarantee for cars and vans, triggered in the event of accident, fire, theft, attempted theft or vandalism; assistance for a simple mechanical breakdown of the vehicle is explicitly not covered.

Assistance auto : l’assistance en cas de panne du véhicule assuré.

[99] Replacement vehicle: Conditional ↩

A replacement vehicle is provided for the duration of the repair of the insured vehicle, subject to conditions applicable to passenger cars registered as touring and business vehicles.

Je krijgt een vervangwagen ter beschikking terwijl je eigen voertuig wordt hersteld**.

[100] Driver accident: €500,000 ↩

Optional driver insurance indemnifies death or bodily injury of the driver, excluding moral damage, with intervention limited to 500,000 EUR per claim; excludes incidents where the driver was entrusted the vehicle for professional activity.

Assurance du conducteur : indemnisation en cas de décès ou de lésions corporelles, à l’exclusion du dommage moral ; intervention limitée à 500.000 EUR par sinistre.

[101] Own damage: Optional ↩

The optional Omnium guarantee compensates damage to the insured vehicle even when the policyholder is at fault; repair costs can never exceed the real value of the vehicle.

[102] Total loss: Covered ↩

Total loss of the vehicle is compensated under the Omnium guarantee; an optional 10% additional indemnity on total loss is available via the 'indirect losses' option or Premium Pack.

Pertes indirectes : en cas de perte totale, vous recevez 10 % d’indemnisation supplémentaire ;

[103] Partial loss: Covered ↩

Omnium protects against damage caused to the vehicle by unforeseen events (glass breakage, theft, fire, hail...) as well as damage caused to the vehicle when the policyholder is at fault.

Omnium : elle vous protège contre les dommages causés par des événements imprévus (bris de glace, vol, incendie, grêle...), mais aussi contre les dommages causés à votre véhicule si vous êtes en tort ;

[104] Theft & robbery: Covered ↩

The insured vehicle is covered against theft and damage resulting from an attempted theft; this is one of the Mini-Omnium sub-guarantees, which is fully included within the Full Omnium guarantee.

Het verzekerde voertuig is zowel gedekt voor diefstal als voor de schade ten gevolge van een poging tot diefstal.

[105] Glass damage: Covered ↩

Covers damage to the windscreen, rear window, side windows and glass of sunroofs/panoramic roofs; part of the Mini-Omnium sub-guarantees included in Full Omnium.

Deze waarborg dekt schade aan de voorruit, achterruit, zijruiten en het glas van zonne- en panoramadaken.

[106] Natural perils: Covered ↩

Compensates damage caused by hail, storm/hurricane, spring tide or flooding, falling stones/rocks, landslides or earthquakes, avalanches; part of the Mini-Omnium sub-guarantees included in Full Omnium.

Als het verzekerde voertuig door hagel, storm of orkaan, springtij of overstroming, vallende stenen en rotsen, aardverschuivingen of aardbeving, lawine zou beschadigd worden, vergoedt deze verzekering de schade.

[107] Vandalism: Covered ↩

Vandalism damage is covered under the Full Omnium guarantee, subject to specific conditions (e.g. a franchise per claim).

[108] Roadside assistance: Optional ↩

Assistance in case of a breakdown in Belgium and/or abroad is an optional guarantee; a basic post-accident 'Service in case of a claim' (towing, transport) in Belgium is included in the base policy regardless of Omnium.

Assistance en Belgique et/ou à l’étranger : offre une couverture en cas de panne en Belgique et/ou à l’étranger ;

[109] Replacement vehicle: Conditional ↩

A replacement vehicle is provided free of charge for the duration of the repair when the repair is carried out by a garage approved by the insurer; if repairs cannot be done on-site under the optional breakdown-assistance guarantee, a replacement vehicle is also provided for the normal repair duration.

[110] Driver accident: €1,500,000 ↩

The optional 'Driver+' insurance compensates medical costs or loss of income in case of incapacity to work when the driver is injured following an at-fault accident, up to €1,500,000; death is also covered.

L’Assurance Conducteur+ : indemnise les frais médicaux ou la perte de salaire en cas d’incapacité de travail lorsque vous êtes blessé à la suite d’un accident en tort jusqu’à 1 500 000 euros. Un éventuel décès est également couvert ;

[111] Own damage: Covered ↩

Fully comprehensive (omnium) insurance covers damage to your own vehicle caused by a collision, even if you are at fault; no fixed monetary cap is stated, indemnification is based on the vehicle's value/repair cost minus the chosen deductible.

Damage to your own car following an accident (for which you can take out our Fully Comprehensive Insurance)

[112] Total loss: Covered ↩

If the vehicle is declared a total loss, KBC reimburses the full purchase price up to 48 months after purchase of a new car (24 months for a second-hand car), plus an optional automatic 10% extra compensation, and vehicle registration tax is covered free of charge.

Our comprehensive insurance gives you peace of mind should anything go wrong, as we will reimburse the full purchase amount up to 48 months after the purchase of a car. We will also increase the compensation by 10% if the car is declared a total loss

[113] Partial loss: See details ↩

Sources do not distinguish a separate 'partial loss' benefit from general own-damage cover under the fully comprehensive policy.

[114] Theft & robbery: Covered ↩

Covers theft of the vehicle, including the cost of replacing locks or reprogramming the locking system if car keys are stolen, and medical expenses if injured during a carjacking or car theft; if stolen and not found within 15 days, it is treated as a total loss.

The cost of replacing locks or reprogramming the locking system if your car keys are stolen Medical expenses if you were injured in a carjacking or car theft

[115] Glass damage: Covered ↩

Covers breakage of car window glass or the sunroof; no deductible applies when using a KBC-approved glass repair company, with the bill settled directly with the repairer.

No deductible applies when you choose a glass repair company approved by us . We will settle the bill directly with the repairer.

[116] Natural perils: Covered ↩

Covers hail damage or damage caused by another force of nature (storm, lightning, flood, etc.), as well as fire, explosion, fire-extinguishing activities, and damage from melting due to a short circuit; no deductible applies for these perils.

Hail damage or damage caused by another force of nature (storm, lightning, flood, etc.) Damage caused by fire, explosion or fire-extinguishing activities (including damage caused by melting due to a short circuit)

[117] Vandalism: Covered ↩

The fully comprehensive omnium policy lists vandalism among the insured perils (alongside collision, fire, glass breakage, theft, forces of nature, and marten damage).

Schade door aanrijding, brand, glasbreuk, diefstal, vandalisme, natuurgeweld, verkeerd tanken, botsing met loslopende dieren of vogels, knagen van marters

[118] Roadside assistance: Covered ↩

Fully comprehensive insurance automatically includes vehicle assistance (KBC-VAB), covering breakdown assistance following an accident or breakdown, including abroad.

If you take out fully comprehensive insurance , your policy automatically includes vehicle assistance and replacement vehicle cover .

[119] Replacement vehicle: Covered ↩

A replacement vehicle is provided in Belgium for up to 7 days following an accident or breakdown, and for up to 30 days if the vehicle is stolen; automatically included with fully comprehensive insurance.

Replacement vehicle in Belgium for up to 7 days if you have an accident or your car breaks down, and for up to 30 days if your vehicle is stolen

[120] Driver accident: Optional ↩

Standard third-party liability insurance and comprehensive or semi-comprehensive insurance do NOT cover bodily injuries sustained by the driver in an at-fault accident; a separate supplementary 'Driver Accident Insurance' must be taken out for this cover.

Standard third-party liability insurance and comprehensive or semi-comprehensive insurance do NOT cover bodily injuries you sustain in an accident you caused.

[121] Own damage: Covered ↩

All Risks Comprehensive Insurance under KBC Vehicle Insurance Passenger car is a fully comprehensive insurance policy covering all loss and damage except cases explicitly listed in the general conditions exclusions.

All Risks Comprehensive Insurance under KBC Vehicle Insurance Passenger car is a fully comprehensive insurance policy.

[122] Total loss: Covered ↩

In case of total loss or theft, compensation is automatically increased by 10%, and a purchase price guarantee applies reimbursing the full purchase price of a new car up to 48 months after purchase, or the purchase price of a second-hand car for 24 months.

We will increase the compensation by 10% if your car is stolen or declared a total loss – with no further formalities required – to cover any items that may have been lost or damaged in the process.

[123] Partial loss: Covered ↩

Under the all-risks principle, repairable damage to the insured vehicle is covered unless explicitly excluded in the general conditions.

Our fully comprehensive insurance also includes all risks cover: all loss and damage is covered , except for cases explicitly included on the list of events not insured in the general conditions .

[124] Theft & robbery: Covered ↩

Theft is covered under the all-risks principle; damage covered includes theft, among collision, fire, glass breakage, vandalism, forces of nature, wrong fuel, animal collisions, and marten gnawing.

Damage caused by a collision, fire, glass breakage, theft, vandalism, forces of nature, filling up with the wrong type of fuel, collisions with stray animals or birds, and gnawing martens

[125] Glass damage: Covered ↩

Glass breakage is covered under the all-risks principle covering all loss and damage except cases explicitly excluded in the general conditions.

Our fully comprehensive insurance also includes all risks cover: all loss and damage is covered , except for cases explicitly included on the list of events not insured in the general conditions .

[126] Natural perils: Covered ↩

Damage caused by forces of nature is covered under the comprehensive all-risks policy.

Damage caused by a collision, fire, glass breakage, theft, vandalism, forces of nature, filling up with the wrong type of fuel, collisions with stray animals or birds, and gnawing martens

[127] Vandalism: Covered ↩

Vandalism is explicitly listed among the damages covered under the all-risks comprehensive policy, alongside collision, fire, glass breakage, theft, forces of nature, wrong fuel, animal collisions and marten gnawing.

Damage caused by a collision, fire, glass breakage, theft, vandalism, forces of nature, filling up with the wrong type of fuel, collisions with stray animals or birds, and gnawing martens

[128] Roadside assistance: Covered ↩

Comprehensive insurance automatically includes vehicle assistance, so no separate purchase of this cover is required.

Vehicle assistance, including roadside assistance (VAB membership)

[129] Replacement vehicle: Covered ↩

Coverage includes a replacement vehicle for up to 7 days following an accident or breakdown, and up to 30 days if the vehicle is stolen; this benefit is automatically included and does not need to be purchased separately.

Replacement vehicle in Belgium for up to 7 days if you have an accident or your car breaks down, and for up to 30 days if your vehicle is stolen

[130] Driver accident: Optional ↩

Bodily injuries suffered by the driver are not covered by the comprehensive (or third-party liability) policy itself; a separate 'Driver Accident Insurance' can be purchased to cover the driver's own medical costs, even when at fault.

Veroorzaak je een ongeval, dan verzekeren een reguliere BA-verzekering en een (gedeeltelijke) omniumverzekering je NIET tegen lichamelijke letsels. Daarom biedt deze aanvullende ‘ Ongevallenverzekering bestuurder ’ de nodige bescherming bij medische kosten, zelfs als je in fout bent.

[131] Own damage: €13,200 – €123,750 ↩

Covers damage to the insured vehicle following a rollover, fall, collision or accidental contact, including loading/unloading, misfuelling (mechanical damage only) and vandalism. Only included under Full Omnium (Omnium Complète/Volledige Omnium); excluded under Limited Omnium. Indemnity is based on the invoice value with a degressive scale (100% up to month 36, 90% up to month 60, 80% up to month 72, then actual value), capped by a parking-band ceiling ranging from €13,200 to €123,750 depending on the parking category and ceiling level.

Aedes dekt schade aan het verzekerde voertuig na: - een kanteling, een val, een aanrijding, een toevallig contact met inbegrip van het laden en lossen van het verzekerde voertuig;

[132] Total loss: €13,200 – €123,750 ↩

Applies when the vehicle is technically irreparable, repair costs exceed its pre-claim value, or a stolen vehicle is not recovered within 30 days of the theft report. Indemnity equals the pre-claim value determined via the invoice-value method (degressive scale, capped from €13,200 to €123,750 per the parking-band table) or the actual-value method, minus the wreck value unless waived in writing in favour of Aedes.

Er is sprake van totaal verlies wanneer: - de schade technisch niet kan worden hersteld;

[133] Partial loss: Optional ↩

For partial damage, indemnity is based on repair costs plus non-recoverable VAT; Aedes may pay the repair garage directly. No separate monetary ceiling applies beyond the vehicle's own pre-claim value cap — if repair costs would exceed that value, the claim is instead treated as a total loss.

Bij gedeeltelijke schade wordt het bedrag van de schade bepaald op basis van de reparatiekosten, vermeerderd met de niet recupereerbare BTW.

[134] Theft & robbery: €13,200 – €123,750 ↩

Covers theft or attempted theft of the insured vehicle and its options by break-in, physical or psychological violence against the rightful holder, or burglary of the policyholder's home or any building where the vehicle keys were kept. Key and lock replacement after key theft is also covered. Included under both Limited and Full Omnium; indemnity follows the same invoice/actual-value method and parking-band ceilings (€13,200–€123,750) as for total loss.

Aedes dekt het verzekerde voertuig, en haar eventuele opties, tegen diefstal of poging tot diefstal:

[135] Glass damage: Optional ↩

Covers repair or replacement of the windscreen, side and rear windows and the roof. No monetary ceiling is stated for this cover; excludes headlight, taillight and mirror glass, glass damage at total loss, and electric window-opener repairs with no glass damage. Included under both Limited and Full Omnium.

Aedes vergoedt de kosten voor reparatie of vervanging van de voorruit, de zij- en achterruiten en van het dak van het verzekerde voertuig.

[136] Natural perils: €13,200 – €123,750 ↩

Covers damage directly caused by flood, storm, hail, hurricane, tornado, rockslide, landslide, avalanche, snow/ice mass, cloudburst, volcanic eruption or earthquake, plus collision with wildlife/free-roaming animals not owned by the insured (police report within 48 hours) and damage from animals entering the engine compartment. Included under both Limited and Full Omnium, subject to the same parking-band ceilings (€13,200–€123,750) as total loss.

Aedes dekt schade aan het verzekerde voertuig: - die het directe gevolg is van volgende natuurkrachten: overstroming, storm, hagel, orkaan, tornado, steenlawines,

[137] Vandalism: €13,200 – €123,750 ↩

Vandalism damage is covered as part of the Material Damage guarantee, only available under Full Omnium (not Limited Omnium). Must be reported within 48 hours of occurrence or discovery. Subject to the same parking-band ceilings as other Material Damage claims (€13,200–€123,750).

Deze dekking “materiële schade” geldt alleen bij een volledige omnium en niet bij een beperkte omnium.

[138] Roadside assistance: Covered ↩

A first roadside-assistance service after an accident (towing to the garage of your choice and transport of occupants) is automatically included free of charge, 24/7, as an extension of the mandatory RC guarantee, valid in Belgium or within 30 km beyond the border. A separate optional Bijstand Auto guarantee extends assistance worldwide (in countries covered by the certificate) to all technical incidents (breakdown, theft, vandalism, animal damage, fire), including towing, hotel costs abroad (up to €65/night, max €650) and message relay.

U geniet van de bijstandsverlening na een ongeval zodra uw BA-waarborg P30, P35, P40, P50 of P60 hebt onderschreven voor het voertuig vermeld in de bijzondere voorwaarden in werking is getreden.

[139] Replacement vehicle: Optional ↩

Under the optional Bijstand Auto guarantee, a category B replacement vehicle (1,300–1,400 cc) is provided via a rental partner when the insured vehicle is immobilised, for max. 7 consecutive days in Belgium (technical incident excl. theft), 5 days abroad, or 30 days in case of theft. Conditional on prior use of Aedes Bijstand for towing and on the rental company's own conditions (age, licence, credit-card deposit, etc.).

Als het verzekerde voertuig, dat na een technisch incident in België is geïmmobiliseerd, niet meer kan rijden en niet binnen 24 uur kan worden hersteld, stelt Aedes Bijstand de verzekerde een vervangwagen van cat. B (1.300 tot 1.400 cc) ter beschikking bij een verhuurcentrum, naargelang de plaatselijke mogelijkheden.

[140] Driver accident: €500,000 ↩

Optional guarantee (part of the Pack Tranquillité) compensating the bodily injury of the authorised driver or, on death, the driver's heirs, regardless of fault. If the driver is over 30, compensation follows common-law rules capped at €500,000 per claim (interest and costs included). If under 30, compensation follows a fixed scale (€25,000 death capital; €500/€750/€1,000 per % invalidity depending on bracket; up to €5,000 treatment costs over 3 years; up to €500 for clothing).

Wanneer zich een schadegeval voordoet, vergoedt Aedes de lichamelijke schade aan de verzekerde of in geval van overlijden, de schade van zijn rechthebbenden, ongeacht de aansprakelijkheid en na aftrek van de prestaties van derden-betalers.

[141] Own damage: Conditional ↩

Covers damage to the insured vehicle caused by the policyholder's own fault (e.g. an accident without a third party, or vandalism). Only included in the classic 'full' omnium; not covered under the mini-omnium.

De klassieke ‘full’ omniumverzekering vergoedt daarbovenop de materiële schade aan uw voertuig die veroorzaakt werd door vandalisme of na een ongeval. Dat is niet het geval bij de mini-omnium.

[142] Total loss: 100% of insured sum ↩

In case of total loss, the vehicle is insured for a first period at 100% of its catalogue (or invoice) value; the policyholder chooses this period to be 6, 12 or 24 months, after which the insured value decreases gradually.

Met deze omnium verzekert u uw wagen gedurende een eerste periode voor 100% van zijn cataloguswaarde. U kiest zelf hoe lang deze periode duurt: 6, 12 of 24 maanden. Daarna zakt de verzekerde waarde maandelijks met 1%.

[143] Partial loss: Conditional ↩

Repair costs for partial damage to the vehicle caused by the policyholder's own responsibility are covered under the material damage guarantee, available only in the full omnium formula.

De klassieke ‘full’ omniumverzekering vergoedt daarbovenop de materiële schade aan uw voertuig die veroorzaakt werd door vandalisme of na een ongeval. Dat is niet het geval bij de mini-omnium.

[144] Theft & robbery: Conditional ↩

Covers theft or attempted theft of the vehicle, including carjacking. Always included in the classic 'full' omnium, but only available as an optional add-on within the mini-omnium formula.

Werd uw voortuig gestolen of bent u het slachtoffer van poging tot diefstal of carjacking? U wordt vergoed voor alle schade aan uw wagen.

[145] Glass damage: Covered ↩

Covers cracks or (complete) breakage of the windscreen, side windows or panoramic roof, with zero deductible, included in both the mini-omnium and full omnium.

Voor een optimale bescherming van de glaselementen van uw auto, bijvoorbeeld bij scheuren of de (volledige) breuk van uw voorruit, zijruiten of panoramisch dak.

[146] Natural perils: Covered ↩

Covers damage caused by storm, hail, flooding, falling rocks or landslides, as well as collision with an animal; included with zero deductible in both mini-omnium and full omnium.

Werd uw voertuig beschadigd door vallende stenen, een aardverschuiving, lawine, hagel, een storm of een aanrijding met een dier? Geen paniek, P&V vergoedt u.

[147] Vandalism: Conditional ↩

Covers damage to the insured vehicle caused by acts of vandalism. Included only in the full omnium (as part of the material damage guarantee) and not covered under the mini-omnium; a deductible applies, as vandalism is not one of the four zero-deductible guarantees.

Protégez votre voiture en cas de dommages causés par un acte de vandalisme ou suite à un accident que vous avez causé avec un autre usager ou un autre véhicule.

[148] Roadside assistance: Optional ↩

P&V Bijstand offers three separately subscribable assistance formulas (accident, breakdown, theft) covering people and the vehicle; not automatically included with omnium, must be added separately.

U kunt elk van deze drie bijstandsformules (ongeval, pech en diefstal) apart afsluiten.

[149] Replacement vehicle: Conditional ↩

A replacement vehicle is provided free of charge for the entire duration of the repair, on condition that the repair takes place at a P&V-approved garage.

Vous recevez gratuitement un véhicule de remplacement pour la durée complète de la réparation.

[150] Driver accident: See details ↩

No P&V Auto Omnium source describes a specific driver-accident (bodily injury to the driver) guarantee within this product.

[151] Own damage: Conditional ↩

Only the Full Omnium tier covers damage to the insured's own vehicle caused by an accident where the policyholder is at fault; Mini Omnium excludes this cover. Repair costs can never exceed the actual value of the vehicle.

Brand Glasbreuk Schade door natuurrampen Schade door (een poging tot) diefstal Aanrijding met dieren Eigen schade

[152] Total loss: Covered ↩

Total loss resulting from an insured peril is covered under both Mini Omnium and Full Omnium; compensation is based on the actual value of the vehicle, with a monthly depreciation (amortisation) applied depending on the formula chosen.

Les frais de réparation ne peuvent jamais dépasser la valeur réelle du véhicule... Amortissement : en fonction de la formule choisie, un amortissement mensuel s’applique par mois entamé en cas de perte totale.

[153] Partial loss: Covered ↩

Repair costs following an insured peril (fire, glass, theft, natural forces) are covered under Mini Omnium and Full Omnium; repair costs can never exceed the actual value of the vehicle.

Les frais de réparation ne peuvent jamais dépasser la valeur réelle du véhicule.

[154] Theft & robbery: Covered ↩

Theft of the vehicle is a covered peril under both the Mini Omnium and Full Omnium tiers.

Omnium : elle vous protège contre les dommages causés par des événements imprévus (bris de glace, vol, incendie, grêle...)

[155] Glass damage: Covered ↩

Glass breakage (bris de glace) is a covered peril under both Mini Omnium and Full Omnium.

Mini-Omnium : vous protège contre les dommages résultant d'un événement inattendu (bris de glace, vol, incendie, grêle...)

[156] Natural perils: Covered ↩

Unforeseen events such as fire and hail are covered perils under both Mini Omnium and Full Omnium.

Omnium : elle vous protège contre les dommages causés par des événements imprévus (bris de glace, vol, incendie, grêle...)

[157] Vandalism: See details ↩

Vandalism cover is not explicitly named in the NN CAR Insurance IPID or general conditions for this product.

[158] Roadside assistance: Optional ↩

Assistance in Belgium and/or abroad in case of breakdown is offered as a separate optional cover, listed in the IPID's optional insurances.

Assistance en Belgique et/ou à l'étranger : offre une couverture en cas de panne en Belgique et/ou à l'étranger ;

[159] Replacement vehicle: See details ↩

[160] Driver accident: €1,500,000 ↩

The optional Conducteur+ cover compensates medical costs or loss of salary in case of incapacity to work following an at-fault accident, up to 1,500,000 euros; death is also covered.

L'Assurance Conducteur+ : indemnise les frais médicaux ou la perte de salaire en cas d'incapacité de travail lorsque vous êtes blessé à la suite d'un accident en tort jusqu'à 1 500 000 euros. Un éventuel décès est également couvert ;

[161] Own damage: Conditional ↩

Covers destruction (total loss) or partial damage to the insured vehicle caused by an accident, vandalism, malicious acts of third parties, or transport (including loading/unloading). Total loss is covered under Omnium Essentium and Full Omnium; partial damage is covered only under Full Omnium. Indemnity is based on actual value or agreed value, not a fixed sum; a deductible set in the Special Conditions applies, waived if a fully identified and liable third party exists.

Dit is de vernieling (totaal verlies) of de gedeeltelijke beschadiging van het verzekerde motorrijtuig door een ongeval, vandalisme, kwaad opzet van derden of het vervoer (inclusief het laden en lossen) over land, zee en in de lucht.

[162] Total loss: Conditional ↩

Covers total loss of the vehicle when it is technically irreparable, repair costs (incl. non-recoverable VAT) exceed actual value less wreck value, or a stolen vehicle is not recovered within 30 days of the police report. Indemnified in actual value or agreed value (no fixed sum). Vehicle registration tax (BIV) is refunded up to €1,500, on a sliding scale from 100% (under 1 year old) down to a floor of €62 (10+ years old). Available under Omnium Essentium and Full Omnium; not available under Mini Omnium.

Bij een verzekerd Totaal Verlies van het omschreven voertuig de belasting op inverkeerstelling (BIV), die werd betaald bij de inschrijving van het omschreven voertuig, is vergoedt tot 1.500,00 €.

[163] Partial loss: Conditional ↩

Covers partial damage to the insured vehicle (any damage not resulting in total loss) caused by accident, vandalism, malicious acts of third parties, or transport. Reimburses repair cost plus non-recoverable VAT. Only available under Full Omnium; not covered under Mini Omnium or Omnium Essentium.

Er is gedeeltelijke beschadiging wanneer de schade aan het verzekerde motorrijtuig geen totaal verlies tot gevolg heeft.

[164] Theft & robbery: Covered ↩

Covers disappearance, destruction, or partial damage from theft or attempted theft (including carjacking and homejacking) of the vehicle or its fixed accessories, without deductible. Also covers lock replacement/re-coding after key theft, replacement of a stolen license plate, and transported items up to €125 per claim in case of break-in. Included in all three tiers: Mini Omnium, Omnium Essentium, and Full Omnium. Vandalism arising from a theft or attempted theft is not covered under this guarantee.

Wordt verzekerd zonder vrijstelling de verdwijning ten gevolge van diefstal (met inbegrip van carjacking en homejacking), de vernieling of gedeeltelijke beschadiging door diefstal of poging tot diefstal van: 1. het omschreven motorrijtuig of zijn onderdelen;

[165] Glass damage: Covered ↩

Covers breakage or other accidental damage to the windshield, side windows, rear window, and roof glass; only effective upon repair or replacement. A 20% deductible on the claim amount applies to the windshield, waived if the glass is repaired rather than replaced, or if replacement is carried out by an insurer-approved firm. Included in all three tiers: Mini Omnium, Omnium Essentium, and Full Omnium.

Dit is het breken of iedere andere beschadiging die het gevolg is van een accidentele gebeurtenis van: de voorruit, de zijruiten, de achterruit en de dakruit van het motorrijtuig.

[166] Natural perils: Covered ↩

Covers destruction or partial damage from falling rocks, landslides, avalanches, snow/ice fall, hail, tidal surges or flooding, storm winds of at least 100 km/h, and earthquakes/volcanic eruptions/tidal waves abroad, without deductible. Also covers collision with animals on the road (including rodent damage). Included in all three tiers: Mini Omnium, Omnium Essentium, and Full Omnium.

Is gedekt zonder vrijstelling, de vernieling of de gedeeltelijke beschadiging van het verzekerde motorrijtuig door neerstortende rotsen, neervallende stenen, grondverschuivingen, lawines, druk en val van een sneeuwmassa, val van een ijsklomp, hagel, springvloeden of overstromingen, door een stormwind die een topsnelheid van minstens 100 km/uur bereikt

[167] Vandalism: Conditional ↩

Vandalism is covered as part of the 'Material damage' guarantee (destruction or partial damage caused by vandalism or malicious acts of third parties), gated by the same tiers as own damage: total loss due to vandalism is covered under Omnium Essentium and Full Omnium, while partial damage due to vandalism is covered only under Full Omnium. Vandalism arising specifically from a theft or attempted theft is excluded from the separate theft guarantee.

Dit is de vernieling (totaal verlies) of de gedeeltelijke beschadiging van het verzekerde motorrijtuig door een ongeval, vandalisme, kwaad opzet van derden of het vervoer

[168] Roadside assistance: Covered ↩

A baseline included assistance service (Titel VII) organizes and pays for towing of the vehicle to a garage of choice in Belgium after an accident within Belgium and up to 50 km beyond the border, plus return transport for uninjured occupants, applicable regardless of the chosen omnium tier. Broader optional modules (breakdown assistance in Belgium, vehicle/personal assistance abroad) can be purchased separately (Titel V).

Wanneer het verzekerde voertuig na een ongeval in België en tot 50 km buiten de grenzen onbruikbaar is, organiseert en betaalt Touring het slepen van het voertuig naar een garage van uw keuze in België.

[169] Replacement vehicle: Conditional ↩

A replacement vehicle is provided for the normal repair duration under the included assistance (Titel VII), on condition that the repair after a Belgian accident (up to 50 km beyond the border) is entrusted entirely to an insurer-approved garage. A broader optional 'Bijstand Vervangwagen' module (category A/B, up to 10 days for accidents, 20 days for total loss/fire, 30 days for theft) can be purchased separately (Titel V), and a further optional module covers replacement vehicles abroad.

Indien u de reparatie van uw na een ongeval in België en tot 50 km buiten de grenzen beschadigd voertuig volledig aan een van de erkende garages toevertrouwt, ontvangt u een vervangingsvoertuig tijdens de normale duur van de reparatie.

[170] Driver accident: €500,000 ↩

An optional 'All Drivers' cover (Titel III) compensates the patrimonial damage suffered by beneficiaries when the driver dies or sustains bodily injury in a road accident, regardless of fault, up to €500,000 per claim including interest. Sold as a separate optional guarantee alongside the omnium formulas, not tied to a specific casco tier.

De schade vermeld in artikel 1 en 2 wordt door de verzekeraar vergoed, tot een bedrag van 500.000,00 € per schadegeval, inclusief intresten.