Belfius Insurance SA/NV

Driver age and experience limit

No fixed minimum-age surcharge is stated for Omnium itself, but cover is excluded (recourse applies) if, at the time of the claim, the vehicle is driven by a person who has not reached the legally required minimum age or does not hold a valid driving licence for the vehicle.

Repair network requirements

Policyholders are free to choose any repairer, but those who are clearly not at fault or who have subscribed an Omnium formula may use a Belfius-approved repair garage, which offers various advantages; the list of approved garages is published on belfius.be under Products/Insure/Vehicles.

Territorial scope

The Omnium guarantee applies worldwide, unlike the base civil-liability guarantee, which follows the green-card country restrictions shown on the insurance certificate.

Anti-theft requirements

If stipulated in the Conditions Particulières, theft cover requires an INCERT-certified 'TT' (Track & Trace) anti-theft/after-theft system or a system recognised by the manufacturer, enabling constant vehicle location and preventing engine restart after theft. This protection requirement no longer applies once the vehicle is 5 years old.

Claim notification deadline

Any claim must be reported in writing immediately and at the latest within 8 days of its occurrence (or as soon as reasonably possible), stating the causes, circumstances and probable consequences.

Deductible rules

Mini Omnium, Mini Omnium Up and the theft/glass/natural-peril guarantees apply no deductible. Full Omnium's material-damage guarantee (own damage/partial loss/vandalism) is subject to a fixed contractual deductible (e.g. 250 or 500 EUR depending on the vehicle value) or an 'English' deductible option (no payment once repair costs exceed the set threshold); using a non-partner garage may increase the fixed deductible by 250 EUR. No deductible ever applies to the total-loss guarantee.

Total loss coverage (Mini Omnium Up)

Mini Omnium Up provides coverage for total loss situations (e.g., vehicle is irreparable or repair costs exceed vehicle value), distinct from standard Mini Omnium which covers only damage without fault

Approved repair network access

Omnium policyholders have access to Belfius-approved repair network with specific advantages

Worldwide omnium guarantee coverage

Omnium guarantee is valid worldwide, unlike base civil liability which follows green card restrictions

Three selectable Omnium formulas

Belfius Car offers three Omnium formulas: Mini Omnium (theft, fire, glass breakage, natural forces/animal collision, no deductible), Mini Omnium Up (Mini Omnium plus total-loss cover, no deductible, launched 2024), and Full Omnium (all of the above plus own material damage even at fault or by an unidentified party, or vandalism, with a fixed or English deductible).

Fire guarantee (Garantie Incendie)

Covers the insured vehicle against fire, fire damage, explosion, lightning, short-circuit (even without flame) in the electrical system, and damage from firefighting operations, wherever and however caused. Included in all three Omnium formulas.

Omnium franchise (deductible) options

Policyholders can choose between fixed franchise (e.g., €250 or €500) or English franchise (no payment if repair costs exceed defined threshold)

Claim declaration timeframe

Policyholder must declare claim and its circumstances within 8 days of occurrence

Annual contract duration with automatic renewal

Policy is underwritten for 1 year and automatically renewed for successive 1-year periods unless either party terminates per General Conditions terms