AG

driver_age_experience_limit

No explicit minimum age requirement is stated in the Top Omnium general terms and conditions for coverage to apply. However, lower deductibles (Flexi reduced formula) are available only when the main driver is aged 26 or over and under 75 years, has a bonus-malus between -2 and 8, and has had at most 1 at-fault claim in the last 5 years. Drivers under 23 years old must be declared at policy inception.

repair_network_requirements

Repairs may be carried out at any garage of the insured's choice. However, if the repair takes place outside the AG approved repairer network, the applicable deductible is increased by EUR 250. Choosing an AG approved repairer entitles the insured to: direct payment by the insurer, a replacement vehicle for the full duration of repairs, and a 3-year warranty on repairs (network benefit noted in marketing materials). The approved network comprises over 2,500 repairers in Belgium.

territorial_scope

Coverage is granted in all countries validated on the international insurance certificate (green card) of the insured vehicle. For theft occurring in a non-Schengen country where the vehicle is not recovered, a police report must also be filed with the Belgian authorities within 24 hours of the driver's return to Belgium.

anti_theft_requirements

Theft is only covered under the Multirisk guarantee if the anti-theft system imposed by the insurer was activated and in perfect working order at the time of the theft. Theft is also excluded if: doors or boot were unlocked; roof or window was not closed; ignition key was left in or on the vehicle; the disabling mechanism of the anti-theft system was left in the vehicle. Exception: if the vehicle was in an individually locked garage and the garage was broken into.

claim_notification_deadline

Theft must be reported to the competent judicial or police authority within 24 hours of discovery, and to the insurer within the same deadline. For theft in a non-Schengen country where the vehicle is not recovered, Belgian authorities must also be notified within 24 hours of return. For key/remote theft, a police report must be filed within 24 hours. In urgent situations, the beneficiary may have essential repairs carried out up to EUR 1,500 without prior insurer authorisation. If the insurer does not react within 8 working days of receiving the damage estimate, the insured may proceed with repairs.

deductible_rules

For Material Damage (Stoffelijke Schade), two deductible options apply: (1) Fixed Deductible (Vaste Vrijstelling): the policyholder chooses from multiple levels. Basic deductibles are EUR 200 (vehicles ≤ EUR 20,000 excl. VAT), EUR 400 (EUR 20,001–30,000), EUR 700 (> EUR 30,000). A higher option also exists. (2) Flexi Deductible (Flexi Vrijstelling): available to good drivers (bonus-malus -2 to 0). If a known third party (pedestrian or vehicle) is involved and the incident is confirmed in writing, or in case of hit-and-run or vandalism with police complaint within 24 hours, the deductible is EUR 0. Without a known third party the deductible equals the basic fixed deductible amount. If repair is done outside the AG approved network, the deductible is increased by EUR 250. No deductible applies in Multirisk (glass, theft, natural perils, fire, animal collision).

Glass breakage (no deductible)

Full coverage for windscreen and window breakage with no deductible in Multirisk guarantee

Approved repairer network benefits

Access to 2,500+ approved repairers with direct payment system, 3-year warranty on repairs, and extended replacement vehicle coverage

Depreciation schedule (Excellence vs Classic)

Two depreciation formulas: Excellence with 0% depreciation for first 10,000 km, then 1% monthly from month 7; Classic with 1.25% monthly from month 1

Insured value calculation options

For vehicles max 2 years old: choice between catalogue value or invoice value

Approved anti-theft system requirement

Theft is only covered in Multirisk if the approved anti-theft system was operational at time of theft

Material damage guarantee (4 specific exceptions)

Material Damage covers all damage except: 1) Wear, construction defect, lack of maintenance; 2) Slow exposure damage (discoloration, corrosion); 3) Maintenance/technical repair costs; 4) Damage from animals or transported objects or overloading

Deductible formula options

Two deductible options: Fixed Deductible (customer chooses amount) or Flexible Deductible (waived if third party involved or specific conditions met)

Terrorism damage coverage (conditional)

In certain cases, damage from terrorism acts is covered. AG participates in TRIP association with annual limit of €1 billion for all member insurers combined