Baloise Belgium NV

Driver age and experience limit

The Voertuigschade/Dégâts au véhicule deductible is increased by EUR 250 if the claim is caused by a non-habitual driver under 23 years old (while the habitual driver named in the Bijzondere Voorwaarden is 23 or older, or none is named). Total loss is normally paid without any deductible, except when this young-driver condition applies.

Repair network requirements

The IPID does not mandate use of a specific repair network for Omnium Safe 1; Baloise Assistance transports the insured vehicle to a repairer after a claim, but the policyholder is free to choose a repairer subject to the full policy terms.

Territorial scope

Cover applies in all countries required by law for MTPL motor insurance (Green Card countries) plus Bosnia-Herzegovina, North Macedonia, Montenegro and Serbia.

Anti-theft requirements

No specific anti-theft device requirement is stated in the Omnium Safe 1 IPID; the policyholder must, however, report any theft to the police within 24 hours of discovering it.

Claim notification deadline

The insured must notify Baloise immediately after any claim and provide all documents and information about it; in case of theft, a police report must be filed within 24 hours of discovering the theft.

Deductible rules

No deductible applies to Fire, Theft, Glass breakage, Natural events or Animal collision. A deductible (amount set in the Bijzondere Voorwaarden/Conditions Particulières) applies only to the Voertuigschade/Dégâts au véhicule guarantee (Grote/Grande Omnium only), except that no deductible applies to vandalism, small-animal-gnawing damage, or total loss (unless the driver at fault is under 23, in which case a EUR 250 surcharge applies).

Vehicle damage deductible (franchise)

For comprehensive omnium coverage, policyholders select from fixed deductible amounts (EUR 250, EUR 500, EUR 750, EUR 1000) or English franchise formula (EUR 750 initial, then insurer pays remainder without upper limit)

Direct repair network payment

Not established from the insurer's documents

When insured uses Premium Plus or Service Plus network repair shops, Baloise pays repair costs directly to the repairer; policyholder only pays applicable deductible and non-recoverable VAT to repairer

New value protection (Formula 36)

Not established from the insurer's documents

Optional Formula 36 provides up to 36 months of new value protection; during first 3 years after purchase, in case of total loss, insured receives 100% of insured value (market-leading depreciation freeze)

Young driver surcharge (under 23)

Additional EUR 250 deductible applies when non-habitual driver under 23 years old is involved in claim

Glass breakage deductible (non-network repairs)

EUR 75 deductible applies to glass breakage claims if repair not performed by Baloise-approved repair workshop

Young driver deductible surcharge (under 23)

The Voertuigschade deductible is increased by EUR 250 if the accident is caused by a non-habitual driver under 23 years old, while the habitual driver named in the Bijzondere Voorwaarden is 23 or older (or none is named).

New value protection (Formule 36)

For a new vehicle insured under Formule 36, in case of total loss during the first 3 years, the insured receives 100% of the insured value. Available formulas are 36, 24, 12, 6 or 0, depending on the age and type of the vehicle.

Safety Pack Omnium (optional rider)

Optional add-on available only with Grote Omnium. Covers stolen fuel, replacement of locks or keys if lost with vehicle documents, damage caused by cargo/load, damage to or theft of a bike rack or roof box, damage to or theft of luggage, and provides a replacement vehicle for maximum 30 days in case of total loss or theft.

Additional compensation limits (auxiliary costs)

Standard sub-limits (excl. VAT, no deductible applied): load damage transported privately or professionally up to EUR 1,250 (up to EUR 2,500 with Safety Pack); towing, dismantling and repatriation costs combined up to EUR 1,250; provisional vehicle storage/garage costs up to EUR 300; clean-up, damage-prevention, signalling and fire-extinguishing costs up to EUR 1,250; and up to 2 working hours of a repairer's time for a mandatory technical inspection.

Omnium territorial coverage

Omnium coverage applies in Belgium, Grand Duchy of Luxembourg, and within 30 km outside Belgian borders; also covers Bosnia-Herzegovina, North Macedonia, Montenegro, and Serbia

Baloise Assistance coverage area

Free Baloise Assistance for omnium policyholders covers Belgium, Grand Duchy of Luxembourg, and 30 km radius outside Belgian borders; extended assistance may be available for countries on vehicle green card

Contract duration and renewal

Policy lasts one year and is automatically renewed for successive one-year periods unless terminated. Cancellation must occur minimum 2 months (updated from 3 months) before anniversary date via registered letter, bailiff notice, or delivery with receipt

Multi-contract discount and zero deductible

Not established from the insurer's documents

Policyholders with multiple Baloise contracts may qualify for zero deductible on certain coverage; loyalty benefit for bundled insurance

Loyalty reduction (3+ year omnium)

Policyholders with Grande Omnium for same vehicle for 3 consecutive years receive 15% premium reduction from year 4 onwards

Premium discounts for safety options and EV/hybrid vehicles

A vehicle equipped with one or more safety options gives up to 10% discount on the premium. Electric vehicles or hybrid vehicles with an electric motor give a 5% discount on the premium.