AXA Casco (own-damage car insurance) (Comfort Auto Protection Du Vehicule)

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).

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.).

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.

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.

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.

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.

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.

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.

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).