Belfius Casco (own-damage car insurance) (Belfius Car Omnium)
Underwritten by Belfius Insurance SA · Belgium
casco (own-damage car insurance) from Belfius for the Belgium market, with 24/7 assistance.
Verified Aug 26, 2026 · Terms dated 2024-09Sources
Unique selling points
Choice of three flexible Omnium formulas (Mini Omnium, Mini Omnium Up, Full Omnium) to match every budget and vehicle age.
24/7 immediate roadside assistance in Belgium and abroad included with the Omnium guarantee.
No deductible on theft, fire, glass-breakage and natural-peril claims across all Omnium formulas.
Mini Omnium Up offers total-loss protection at a budget-friendly price point, positioned between Mini Omnium and Full Omnium.
Access to a Belfius-approved repair garage network offering direct settlement and additional repair advantages.
Coverage limits
Own damage (material damage to the insured vehicle)
100% of insured sum
Included only under the Full Omnium formula: covers material damage to the insured vehicle even when the policyholder is at fault, when no third party is identified, or in case of vandalism (e.g. collision with a wall). Reimbursement is capped at the insured value and is subject to a contractual deductible.
Section: ASSURANCE DU VÉHICULE > 2.6. GARANTIE DÉGÂTS MATÉRIELS
Nous couvrons tous les dommages matériels au véhicule assuré, sauf si ces dégâts sont expressément exclus.
Total loss coverage
100% of insured sum
Covers total loss of the insured vehicle (technically irreparable, or repair cost exceeds the vehicle's real value, or a stolen vehicle not recovered within 15 days). Available from the Mini Omnium Up formula upward (Mini Omnium Up = classic Mini Omnium plus total-loss cover). No deductible applies to this guarantee. Indemnity is based on the insured-value system chosen in the policy (agreed, functional or real value), capped at the insured value.
Section: ASSURANCE DU VÉHICULE > 2.5. GARANTIE DÉGÂTS MATÉRIELS SI PERTE TOTALE
Nous couvrons les dommages causant la perte totale du véhicule assuré, sauf si ces dommages sont expressément exclus.
Partial damage coverage (Dégâts Matériels)
100% of insured sum
Covers repairable (non total-loss) material damage to the insured vehicle, included only under the Full Omnium formula. Reimbursement of repair costs up to the insured value, subject to the contractual deductible.
Section: ASSURANCE DU VÉHICULE > 2.6. GARANTIE DÉGÂTS MATÉRIELS
Nous couvrons tous les dommages matériels au véhicule assuré, sauf si ces dégâts sont expressément exclus.
Theft, attempted theft and robbery (Garantie Vol)
100% of insured sum
Covers theft or attempted theft of the vehicle or its parts, including theft with violence (carjacking/homejacking) and damage caused during the theft. Included in all three Omnium formulas (Mini Omnium, Mini Omnium Up, Full Omnium). No deductible applies. Coverage requires a certified anti-theft/tracking system if stipulated in the Conditions Particulières (not mandatory once the vehicle is 5 years old). A category-B replacement vehicle is provided for up to 21 days after a theft declaration.
Section: ASSURANCE DU VÉHICULE > 2.2. GARANTIE VOL
Nous couvrons le vol du véhicule assuré ou d'éléments du véhicule, ainsi que les dommages causés au véhicule en vue de l'accomplissement du vol. La garantie vaut également en cas de vol avec violence ou de menace à votre encontre ou à celle des membres de votre ménage cohabitants.
Glass breakage (Garantie Bris de Vitres)
100% of insured sum
Covers breakage of the windscreen, side windows, rear window and transparent sunroof panel (glass or synthetic), including chips and cracks, and resulting damage to the vehicle itself. Included in all three Omnium formulas; no deductible applies. Repairs via Autoglass Clinic, Carglass or Touring Glass are settled directly (third-party payment).
Section: ASSURANCE DU VÉHICULE > 2.3. GARANTIE BRIS DE VITRES
Nous couvrons le véhicule assuré contre le bris de vitres, c'est-à-dire le bris du pare-brise, des vitres latérales, de la lunette arrière et de la partie transparente du toit (ouvrant ou non), que ces vitres soient en verre ou en matière synthétique.
Natural forces and related perils (Garantie Forces de la Nature et Périls Connexes)
100% of insured sum
Covers exceptional natural forces (storm with winds over 80 km/h, hail, flood, landslide, earthquake, etc.) constituting force majeure, plus collision with an animal, chain collisions involving at least 4 identified vehicles, and damage to engine wiring caused by martens or rodents. Included in all three Omnium formulas; no deductible applies.
Section: ASSURANCE DU VÉHICULE > 2.4. GARANTIE FORCES DE LA NATURE ET PÉRILS CONNEXES
Nous couvrons le véhicule assuré contre les dégâts résultant d'une force de la nature exceptionnelle qui constitue pour l'assuré un cas de force majeure.
Vandalism
100% of insured sum
Vandalism damage to the insured vehicle is covered as part of the material-damage guarantee (Dégâts Matériels), available only under the Full Omnium formula. Subject to the contractual deductible.
Section: ASSURANCE DU VÉHICULE > 2.6. GARANTIE DÉGÂTS MATÉRIELS
Nous couvrons tous les dommages matériels au véhicule assuré, sauf si ces dégâts sont expressément exclus.
Roadside assistance after a covered Omnium claim
Covered
Automatically included whenever the vehicle becomes undrivable following a claim covered by a subscribed Omnium guarantee: on-the-spot breakdown assistance and towing to the garage of the policyholder's choice in Belgium (or within 30 km beyond the border), plus transport of passengers home. This basic cover can be extended with the optional Assistance insurance (Mobilité Start / Go / Go+ formulas), which adds 24/7 towing and breakdown cover across Belgium and abroad plus replacement-vehicle entitlements.
Section: ASSURANCE DU VÉHICULE > 1.4. DISPOSITIONS EN CAS DE SINISTRE > 1.4.1. ASSISTANCE EN CAS DE SINISTRE
Si le véhicule désigné n'est plus en état de rouler à la suite d'un sinistre faisant intervenir l'une des garanties Omnium assurées, l'assuré doit faire appel à la centrale d'assistance au moment du sinistre afin de bénéficier de l'assistance Omnium.
Replacement vehicle / mobility budget
€4K – €7K
Under the Vol (theft) guarantee, a category-B rental vehicle is covered for up to 21 days after a theft declaration. Under the optional Assistance insurance, the Mobilité Start formula covers a category-B replacement vehicle (or 85 EUR/day mobility budget) for up to 7 days abroad plus rental-vehicle material damage cover up to 4.000 EUR/year; Mobilité Go extends the 7-day cover to Belgium as well; Mobilité Go+ upgrades to a category-D vehicle for up to 15 days in Belgium and abroad, up to 7.000 EUR/year rental-vehicle cover, and an additional foreign-repair support package up to 1.400 EUR.
Section: Voertuigenbijstand > Mobiliteit Go
Dekking van materiële schade aan een huurauto in België en in het buitenland (maximum 4.000 euro/jaar).
Driver accident insurance (bodily injury to the driver)
€500K
Separate optional guarantee (Assurance du Conducteur) that indemnifies the driver's bodily injury or death regardless of fault, up to 500.000 EUR per claim under common-law rules, including up to 500 EUR per claim for clothing damage.
Section: ASSURANCE DU CONDUCTEUR > 1.3. OBJET ET ÉTENDUE DE L'ASSURANCE
L'indemnisation des différents préjudices garantis s'effectue selon les règles du droit commun... jusqu'à concurrence de 500.000 EUR maximum par sinistre, avec un maximum de 500 EUR par sinistre pour l'indemnisation du préjudice vestimentaire.
Key conditions
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.
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.
Direct payment
For glass-breakage claims repaired by Autoglass Clinic, Carglass or Touring Glass, Belfius pays the repairer directly (third-party payment) without prior formalities. Policyholders using a Belfius-approved repair garage also benefit from a direct-settlement arrangement and additional advantages.
Territorial scope
The Omnium guarantee is valid worldwide. The other guarantees (RC, Legal Protection, Driver, Assistance) are valid in all countries listed on the international motor insurance certificate (green card) that are not expressly crossed out.
Documents
Belfius Car General Terms and Conditions (French) (opens in a new tab)
Terms & conditions · PDF
Belfius Car General Terms and Conditions (Dutch) (opens in a new tab)
Terms & conditions · PDF
Belfius Car Insurance Product Information Document (IPID, French) (opens in a new tab)
Product information sheet · PDF
Policy specifics
Total loss coverage (Mini Omnium Up)
Mini Omnium Up adds total-loss cover (vehicle irreparable or repair costs exceed its value) to the Mini Omnium perils (theft, fire, glass breakage, natural forces/animal collision)
SourceClause Article 33Page 37Section: ASSURANCE DU VÉHICULE > 2.5. GARANTIE DÉGÂTS MATÉRIELS SI PERTE TOTALE
Nous couvrons les dommages causant la perte totale du véhicule assuré, sauf si ces dommages sont expressément exclus.
Approved repair network access
Omnium policyholders have access to Belfius-approved repair network with specific advantages
SourceClause Article 5Page 32Section: ASSURANCE DU VÉHICULE > 1.4.1. ASSISTANCE EN CAS DE SINISTRE
Vous pouvez faire appel au service garage agréé dans le cadre des garanties assurées. Ce service vous procure divers avantages auprès des réparateurs agréés par Belfius Insurance sa.
Worldwide omnium guarantee coverage
Omnium guarantee is valid worldwide, unlike base civil liability which follows green card restrictions
SourcePage 3Section: Où suis-je couvert ?
La garantie Omnium est valable dans le monde entier.
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).
SourceSection: Les formules Omnium > Full Omnium
Elle prend en charge tous les dommages à votre véhicule, y compris si vous êtes responsable de l’accident, en cas de vandalisme ou de perte totale.
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.
SourceClause Article 21Page 35Section: ASSURANCE DU VÉHICULE > 2.1. GARANTIE INCENDIE
Nous couvrons le véhicule assuré contre l'incendie, les dégâts par le feu, l'explosion, les jets de flamme, la foudre, le court-circuit même sans flamme dans l'installation électrique et les dommages consécutifs aux travaux d'extinction à la suite d'un incendie, en quelque lieu que l'événement se produise et quelle qu'en soit la cause.
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)
SourceClause Article 15Page 35Section: ASSURANCE DU VÉHICULE > 1.4.4. DÉTERMINATION DE L'INDEMNITÉ
L'indemnité est diminuée de la franchise stipulée dans les Conditions Particulières.
Claim declaration timeframe
Policyholder must declare claim and its circumstances within 8 days of occurrence
SourcePage 3Section: Quelles sont mes obligations ?
En cas de sinistre, déclarer celui-ci et ses circonstances, ses causes, l'étendue du dommage et l'identité des témoins et victimes endéans les huit jours après la survenance de celui-ci.
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
SourceClause Article 15Page 9Section: DURÉE - PRIME - MODIFICATIONS DE LA PRIME ET DES CONDITIONS D'ASSURANCE > Article 15
Sauf si vous vous y opposez au moins deux mois avant l'arrivée du terme du contrat ou si nous nous y opposons au moins trois mois avant cette date, conformément aux articles 26, 27, §2 et 30, §2, le contrat est reconduit tacitement pour des périodes successives d'un an.
Sources
- belfius.behttps://www.belfius.be/common/FR/multimedia/MMDownloadableFile/GeneralConditions/belfius_car.PDF#page=22(opens in a new tab)
- belfius.behttps://www.belfius.be/common/FR/multimedia/MMDownloadableFile/GeneralConditions/belfius_car.PDF#page=29(opens in a new tab)
- belfius.behttps://www.belfius.be/common/FR/multimedia/MMDownloadableFile/GeneralConditions/belfius_car.PDF#page=32(opens in a new tab)
- belfius.behttps://www.belfius.be/common/FR/multimedia/MMDownloadableFile/GeneralConditions/belfius_car.PDF#page=35(opens in a new tab)
- belfius.behttps://www.belfius.be/common/FR/multimedia/MMDownloadableFile/GeneralConditions/belfius_car.PDF#page=36(opens in a new tab)
- belfius.behttps://www.belfius.be/common/FR/multimedia/MMDownloadableFile/GeneralConditions/belfius_car.PDF#page=37(opens in a new tab)
- belfius.behttps://www.belfius.be/common/FR/multimedia/MMDownloadableFile/GeneralConditions/belfius_car.PDF#page=38(opens in a new tab)
- belfius.behttps://www.belfius.be/common/FR/multimedia/MMDownloadableFile/GeneralConditions/belfius_car.PDF#page=9(opens in a new tab)
- belfius.behttps://www.belfius.be/common/FR/multimedia/MMDownloadableFile/Insurance/Fiches_Produits_BCar/MMDF_FicheProduit_BCar_4W.pdf#page=3(opens in a new tab)
- belfius.behttps://www.belfius.be/site/retail/fr/produits/assurance/vehicules/assurances-auto/belfius-car(opens in a new tab)
- belfius.behttps://www.belfius.be/site/retail/nl/producten/verzekeringen/voertuig/autoverzekeringen/belfius-car(opens in a new tab)
Belfius Casco (own-damage car insurance)