AG Casco (own-damage car insurance) (Top Omnium)

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.

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.

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.

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.

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.

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).

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.

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.

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.