AXA

Own damage (Accident / Material Damage)

Optional

Covers damage to the insured vehicle caused by an accident, transport including loading and unloading, acts of vandalism or malice. Also covers damage from poor fuel quality, wrong fuel or AdBlue incorrectly added to the diesel tank. Excludes tyre-only damage in the absence of other damage, damage from wear, construction defect, poor maintenance, overloading, or damage caused by transported goods/animals. The compensation equals repair cost (as assessed by expert) plus non-recoverable VAT, plus extension costs, less any applicable deductible, subject to the proportional rule if insured value was understated. Indemnification is at actual value (real value) or agreed depreciation formula as per the chosen formula.

Total loss indemnification

Optional

The vehicle is declared a total loss when: (1) technically impossible to repair (technical total loss); (2) repair costs including non-recoverable VAT exceed the actual value at the time of the claim plus registration tax minus salvage value as assessed by an expert (economic total loss); or (3) the insured may opt for total loss when repair costs excluding VAT exceed two-thirds of the insured value; or (4) the vehicle is stolen and not found within 30 days of the written claim declaration. Indemnity = vehicle value at time of claim (per chosen depreciation formula, based on months since first registration) + non-recoverable VAT + coverage extensions + applicable registration tax (TMC/BIV) – any applicable deductible, subject to the proportional rule. The maximum indemnity cannot exceed the insured value.

Partial loss / repair indemnification

Optional

When the vehicle is repairable, indemnity = repair cost as assessed by the expert + non-recoverable VAT + coverage extension costs (e.g. emergency repair, towing, fire-fighting costs), multiplied by any applicable proportional rule, minus the applicable deductible. The proportional rule does not apply if the insured value was correctly declared. An English-type deductible (franchise anglaise) disappears entirely when repairs are carried out at an AXA approved partner garage and the repair cost (excl. VAT) exceeds the threshold indicated in the special conditions, or in the event of total loss.

Theft and attempted theft

Optional

Covers disappearance or damage to the vehicle resulting from theft or attempted theft, as well as costs for replacing locks and/or recoding the anti-theft system if keys and/or remote controls are stolen. Exclusions include theft where the perpetrators or accomplices are household members, theft by the insured's employees, theft when the vehicle is unoccupied with essential precautions neglected (unlocked doors, windows/roof open, keys left in/on vehicle, required anti-theft system absent or not activated), unless the vehicle was in a locked individual garage that was broken into. In case of total theft, the vehicle is treated as a total loss if not recovered within 30 days of the written declaration.

Glass damage (Bris de vitres / Glasbreuk)

Optional

Covers breakage or cracking of the windscreen, side windows, rear window and the transparent part of the roof. Does not apply in case of total loss, or if the damaged part is not repaired or replaced. For glass damage at approved partner garages (e.g. Fast Car Repair network), no formal damage declaration is required.

Natural perils (Forces de la nature / Natuurkrachten)

Optional

Covers damage caused by flooding, hail, storm, falling stones, landslide, snow or ice pressure, avalanche or any other major natural force. Storm is defined as hurricanes or other windstorms attaining peak speeds of at least 80 km/h as recorded by the nearest Royal Meteorological Institute station, or damaging other comparable goods within 10 km of the damage site. Also covers damage caused by animals colliding with the exterior of the vehicle or entering the engine compartment or interior.

Vandalism and malicious damage

Optional

Covered under the Material Damage (Accident) guarantee of the Omnium formulas. Covers damage caused by acts of vandalism or malicious intent to the insured vehicle. Note: vandalism and malicious acts are explicitly excluded from the at-fault premium surcharge calculation (i.e. they do not count as at-fault claims for the bonus-malus system).

Replacement vehicle (Véhicule de remplacement / Vervangingsvoertuig)

Optional

Optional guarantee providing a replacement vehicle (typically category B, not a motorcycle or quad) for up to 30 days from the date of the claim, when the insured vehicle is immobilised following a covered event. The duration varies by type of event and coverage subscribed: in case of an at-fault accident with Omnium, the vehicle is provided for the duration of repairs (max 30 days) if repairs are carried out at an AXA approved partner garage; only 3 working days if repairs are done elsewhere. In case of a right-of-way accident, the full duration of repairs (max 30 days) is granted. In case of total theft, up to 30 days. In case of glass breakage, up to 3 days. Natural perils with Mini-Omnium: 3 working days. At the time of returning the replacement vehicle to the rental company, AXA also organises and pays a taxi to the insured's chosen destination (garage or home). The vehicle must meet rental company conditions (minimum age, driving licence, possible credit card deposit). Insurance conditions for the replacement vehicle are agreed directly with the provider. The guarantee is obligatorily combined with the Vehicle Protection (with/without Omnium XL/XL Pro) and Omni-Assistance or Wegenhulp covers, or as an option with RC if the designated vehicle is a car, van, minibus or motorhome.

Driver accident protection (Sécurité du conducteur / Veiligheid van de bestuurder)

Optional

Optional coverage for bodily injury sustained by the insured driver as a result of a traffic accident, regardless of liability. Available in both an indemnitary mode ("Sécurité du conducteur") calculated on the basis of Belgian common law of damage repair (max EUR 1,500,000 per claim including principal and interest), or in a lump-sum (forfaitaire) mode based on agreed sums and the Official Belgian Scale of Invalidity (OBSI). The standard Vehicle Protection cover (Omnium) does not cover driver injury; this must be separately subscribed. Excluded: injuries resulting from intentional acts, gross negligence (alcohol >0.8 g/l, drugs, betting), non-compliance with compulsory protection regulations, technical inspection non-compliance, suicide/attempted suicide, competition participation.