Baloise
Baloise is a motor casco insurance for the BE market with no online purchase and 24/7 assistance.
Direct payment
Baloise pays the repair costs directly to the approved repairer when the insured uses a Premium Plus or Service Plus network repairer. The insured only pays the applicable deductible and any non-recoverable VAT directly to the repairer.
Geographic scope
BE
Valable dans tous les pays figurant aux Conditions Générales Mobility Safe 1 (liste de pays incluant tous les pays de l'espace vert européen, Maroc, Tunisie, Turquie). Pour la Baloise Assistance Omnium: Belgique, Luxembourg et jusqu'à 30 km hors des frontières belges.
Unique selling points
- Up to 36 months of new-value protection: with Formula 36, the insured receives 100% of the insured value for the first 3 years after purchase in case of total loss, a market-leading depreciation freeze.
- Zero deductible for policyholders with multiple Baloise contracts: clients holding multiple policies benefit from waived deductibles and free monthly payment with no additional cost, rewarding loyalty.
- Lifetime bonus-malus degree -2 guarantee: once the policyholder reaches BM -2, Baloise maintains this most-favourable tariff for life, even after subsequent at-fault claims (subject to standard BM Safe exclusions).
- Premium Plus network: approved repairers provide a 3-year guarantee on repairs, paint, and parts, plus free pick-up and delivery within 30 km, a free safety check, and interior cleaning — services typically charged as extras by competitors.
- Integrated EV-specific coverages at no extra charge: the Omnium Safe 1 covers EV charging cable theft/damage, battery-related fire extinction costs up to EUR 5,000, EV battery storage costs up to EUR 5,000 for total-loss EVs, and towing to the nearest charging point for flat-battery breakdowns.
Coverage limits
Own vehicle damage (collision, accident, rollover)
Covered
Covers damage to the insured vehicle caused by collision, accident, rollover, contact between parts of a vehicle combination, vandalisme, wrong fuel, small animals damaging cables/insulation, and attentats. The insured value (invoice value or original catalogue value) is applied using the depreciation formula chosen (Formula 36/24/12/6/0). In case of total loss, no deductible applies (except when driver is under 23 years old). For repairable damage, the contractual deductible applies.
SourceTotal loss / Constructive total loss
Covered
In case of total loss (technical or economic), indemnity is calculated based on the insured value and the depreciation formula selected at inception (Formula 36: 100% for 36 months then -1%/month; Formula 24, 12, 6, or 0 with proportional depreciation). No deductible applies to total loss except when the driver at fault is under 23 years old (EUR 250 deductible). The 2/3 rule allows the insured to opt for total-loss settlement when repair cost exceeds 2/3 of the insured value.
SourcePartial loss (repairable damage)
Covered
For repairable damage, Baloise's expert assesses the repair cost. The contractual deductible (EUR 250, 500, 750, or 1,000; or English-style EUR 750) is deducted from the repair cost. No deductible for vandalism or damage by small animals. An additional EUR 250 deductible applies if the driver is under 23 years old and not listed as the usual driver.
SourceTheft and robbery (including car-jacking and home-jacking)
Covered
Covers theft or attempted theft of the insured vehicle or parts thereof, including car-jacking, home-jacking, joy-riding, and break-in/attempted break-in. Also covers replacement of locks/keys, keyless start systems, remote controls, and anti-theft system recoding if the key/system is stolen. In the event of theft, the vehicle is declared a total loss after 20 days without recovery. No deductible for theft. Police report within 24 hours of discovery is mandatory.
SourceGlass damage (windscreen and windows)
Covered
Covers breakage or cracking of front, side, rear windows and roof glass/transparent plastic of the insured vehicle, including the motorcycle windscreen. Also covers collateral damage from glass shatter (damage to bodywork by glass fragments) and damage to window/roof/tailgate mechanisms caused by glass breakage. No deductible for non-classic/non-ancestor vehicles. For classic cars/ancestor vehicles: EUR 125 deductible for replacement; no deductible for repair. Damage to headlights, rear lights, and side mirrors are not covered under glass but under vehicle damage (E).
SourceNatural perils and animal collision
Covered
Covers damage caused by storm (wind ≥80 km/h or causing damage to similar objects within 10 km), hail, lightning, falling rocks/stones, avalanche, excessive snow pressure, flooding (overflowing rivers, dam burst, tsunami, excessive rain/hail runoff, public sewer overflow), earthquake, landslide/subsidence, volcanic eruption, collision with living animals (including consequential damage from evasive manoeuvres), and damage by small animals (martens, ferrets) that climb under the bonnet. No deductible applies.
SourceVandalism
Covered
Covers intentional destruction or damage of the insured vehicle by a third party, and attempted theft (assimilated to vandalism for assistance purposes). No deductible applies for vandalism damage (including when declared as a total loss due to vandalism). Covered under section E (Dégâts au véhicule) of the Grande Omnium.
SourceBaloise Assistance (roadside assistance after insured event)
Covered
Baloise Assistance is included free of charge with all Mobility Safe 1 Omnium policies. After an insured event where the vehicle cannot be driven, the assistance service conveys the insured vehicle to the repairer of the insured's choice in Belgium. If the insured has an Omnium policy, coverage is in Belgium, Luxembourg, and up to 30 km beyond Belgian borders. For personal cars with Omnium, a replacement vehicle is provided for up to 7 days (up to 20 days for theft, up to 30 days total with Safety Pack). Service is provided 24/7 via Europ Assistance Services SA. Contact: +32 3 870 95 70 / assistance@baloise.be.
SourceReplacement vehicle (after insured event with Omnium)
Conditional
A category A or B replacement vehicle is provided for up to 7 consecutive days following an insured Omnium event (accident, theft, etc.) in Belgium or Luxembourg. In case of theft, the replacement vehicle is provided for up to 20 days. With the Safety Pack Omnium, the maximum is extended to 30 consecutive days for total loss or theft. Outside Belgium/Luxembourg, the insured may rent a vehicle and be reimbursed up to EUR 1,250 excl. VAT for a maximum of 30 days. A daily mobility budget of EUR 35 may be chosen as an alternative to the replacement vehicle.
SourceDriver accident insurance (Conducteur Safe / Conducteur Select)
Optional
Optional driver personal accident cover is available in two formulas. Conducteur Safe: pays actual bodily damage up to EUR 500,000 per traffic accident (all-inclusive, interests and costs). Conducteur Select: fixed lump-sum payments: up to EUR 75,000 for permanent personal incapacity at 100%; EUR 12,500 for death; up to EUR 5,000 for funeral costs; up to EUR 4,000 for medical expenses and adapted transport. Both formulas cover temporary and permanent incapacity (personal, economic, domestic), medical costs, and transport for treatment.
SourceKey conditions
driver_age_experience_limit
No minimum age or experience requirement for the named insured/vehicle owner. However, an additional deductible of EUR 250 applies for vehicle damage claims (Dégâts au véhicule) when the driver at the time of loss is under 23 years old and is not listed as the usual driver in the Special Conditions (or when no usual driver is listed). This additional deductible also applies to total-loss settlements. A recourse franchise of EUR 150 applies to the mandatory MTPL cover when the driver is under 23 and not listed as 23 or older.
repair_network_requirements
Baloise operates a Premium Plus and Service Plus network of approved repairers. Use of an approved network repairer gives benefits including: direct payment by Baloise to the repairer, a free replacement vehicle during the repair period, faster claims settlement, a 3-year guarantee on repairs/paint/parts (Premium Plus) or 2-year guarantee (Service Plus), pick-up and delivery within 30 km (Premium Plus), and a free safety check (Premium Plus). Use of a non-network repairer is permitted but the insured must pay the applicable deductible directly. List of approved repairers available at www.trouvezunreparateur.be.
territorial_scope
The Omnium Safe 1 is valid in all countries listed in the Motor Vehicle General Conditions (same country list as MTPL: all European green card countries, Morocco, Tunisia, Turkey). Baloise Assistance for Omnium events covers Belgium, Luxembourg, and up to 30 km beyond Belgian borders. For events abroad with the RC (MTPL) cover, assistance covers all listed countries. The vehicle must remain registered in Belgium for the policy to remain applicable.
anti_theft_requirements
For theft coverage, the designated vehicle must be equipped with the anti-theft or post-theft system specified in the Special Conditions. The system must be activated and functioning correctly at all times and must be properly maintained. When leaving the vehicle unattended, doors and boot must be locked, roof and windows closed, and all keys/keyless systems/remote controls taken away. Failure to comply with any of these requirements may result in claim denial for theft. In case of theft or attempted theft, a police report must be filed within 24 hours of discovery.
claim_notification_deadline
The insured must notify Baloise of any claim as quickly as possible and in any case within 8 days of the event. For theft or attempted theft, a police report must be filed within 24 hours of discovery and the relevant document provided to Baloise. Court documents (citations, etc.) must be forwarded within 48 hours of receipt. Repairs may only commence after the expert has assessed the damage, except for urgent or provisional repairs (limited to EUR 1,250 excl. VAT if covered).
deductible_rules
Deductible options for vehicle damage (Dégâts au véhicule - Grande Omnium): fixed amounts of EUR 250, EUR 500, EUR 750, or EUR 1,000 per claim; or English-style deductible of EUR 750 (insured pays first EUR 750, insurer pays the remainder without deductible application above that threshold). No deductible applies for: fire, theft, glass damage (standard vehicles), natural perils, animal collision, vandalism, or total loss (unless driver under 23). Additional EUR 250 deductible when driver under 23 and not the listed usual driver. Policyholders with multiple Baloise contracts may be eligible for a zero deductible on certain coverages.
Where to buy
Documents
IPID Mobility Safe 1 Personenwagens en Lichte vrachtwagens (NL) – B9000.MOT.02.21
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IPID Omnium Safe 1 (FR) – B3474.MOT.09.18
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IPID Omnium Safe 1 (NL) – B3473.MOT.09.18
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Conditions Générales Mobility Safe 1 (FR) – B3311.MOT.01.17
terms_and_conditions
IPID Motorrijtuigen Volledige Omnium – Athora legacy (NL)
ipid
IPID Véhicules Automoteurs Omnium Complète – Athora legacy (FR)
ipid
Policy specifics
Bonus-Malus Protection (BM Safe)
Optional coverage that protects the bonus-malus grade; policy does not adjust premium after one accident per year if BM Safe is selected
Safety Pack Omnium
Optional supplementary package available only with full Omnium coverage; provides additional coverage for stolen fuel, replacement of locks/keys, and replacement vehicle for total loss
Baloise Assistance
Free 24/7 roadside assistance included with all Mobility Safe 1 policies; provides emergency support for accidents, breakdowns, theft in Belgium and abroad
Omnium Coverage Variants
Two main Omnium options available: Mini Omnium (fire, theft, glass, natural events, animal collision) and full Omnium (all Mini coverages plus vehicle damage from any cause including own-fault accidents)
Deductible (Franchise)
Policyholder has choice of deductible amounts; amounts vary by coverage type and repair location (authorized vs. non-authorized repair shops)
Vehicle Valuation Method
Policyholder selects valuation basis: invoice value (factuurwaarde), original catalog value (originele cataloguswaarde), or purchase/new value with time-limited protection
Security System Requirements
For theft coverage, vehicle must be equipped with security system specified in policy conditions; insurer can require and demand proof of installation
Repair Network Requirement
Insurer may insist that damage be repaired through authorized repair partners; use of non-authorized repair shop incurs additional deductible
Theft Reporting to Police
For theft or attempted theft claims, policyholder must file report with police within 24 hours of discovery
Alcohol and Drug Exclusion
Claims may be denied if insurer can prove that damage was caused by a driver under the influence of alcohol or drugs