Belfius

Material Damage (Own Damage / Full Omnium)

Optional

Covers all material damage to the insured vehicle (including damage caused at fault, by vandalism, by unidentified third parties, or in single-vehicle accidents), subject to a contractually fixed deductible. In case of partial loss, the insurer reimburses repair costs up to the insured value. In case of total loss, the indemnity corresponds to the vehicle value at the time of the loss under the chosen depreciation system (functional value or agreed value), minus the salvage value. The insurer pays compensation up to the insured value.

Total Loss Indemnity

Optional

Total loss is declared when the vehicle cannot technically be repaired to roadworthiness standards, when repair costs exceed the actual value minus salvage, or when a stolen vehicle is not recovered within 15 days of the insurer receiving the theft declaration. Indemnity equals the vehicle value at the time of the loss under the chosen system (functional value: depreciation of 1.25%/month for months 1–36, then 0.75%/month for months 37–60; or agreed value: fixed for 6, 12, 24 or 36 months, then declining) minus salvage value. If the owner entrusts the wreck sale to the insurer, salvage value is not deducted. No deductible applies to the 'Dégâts Matériels si Perte Totale' (total-loss-only) sub-guarantee. The standard Dégâts Matériels deductible applies if the full material damage guarantee is used.

Partial Loss / Repair Costs

Optional

In case of partial loss, the insurer reimburses repair costs as established by expert assessment or, if the insurer accepts the policyholder's detailed quote, based on that quote, up to the insured value. Non-recoverable VAT is always reimbursed on presentation of the repair invoice. Emergency/provisional repairs up to EUR 1,000 excl. VAT may be carried out without prior insurer consent. A deductible applies as stipulated in the particular conditions.

Theft and Robbery (Vol)

Optional

Covers theft of the insured vehicle or its parts, as well as damage caused to the vehicle in the commission of theft. Also covers armed robbery or threats against the policyholder or household members. If the stolen vehicle is recovered, all damage caused during the theft is covered. Damage from break-in to the interior is also covered. Replacement of stolen keys/remote controls and associated reprogramming costs are covered. In case of theft of the official licence plate, re-registration costs are covered. Accessories insured free of charge per Article 2 are indemnified based on purchase price minus 1% depreciation per month elapsed since purchase. A replacement vehicle (category B, max 21 days) is provided in case of theft, via the assistance centre.

Glass Breakage (Bris de Vitres)

Optional

Covers breakage of the windshield, side windows, rear window and the transparent part of the (sliding) sunroof, whether made of glass or synthetic material. Chips and cracks are assimilated to breakage. Damage caused to the vehicle by glass breakage is also covered. No deductible applies to the glass breakage guarantee. For repairs on Belgian territory, a prior quote is required, except when entrusting the repair to Autoglass Clinic SA or Carglass SA, with whom a direct payment ('tiers payant') arrangement applies. Repair can be carried out immediately abroad. Does not cover double-glazing or bulletproof glass, or damage caused in total loss.

Natural Perils and Related Risks (Forces de la Nature et Périls Connexes)

Optional

Covers damage resulting from exceptional natural events constituting force majeure for the insured: rockslide, landslide, avalanche, snow pressure, storm (wind recorded above 80 km/h), hurricane, hail, tidal wave, high tide, flooding, earthquake, volcanic eruption, meteorite fall. Extended to: collision with an animal and consequential damage; sudden unexpected soot/paint/sandblasting cloud (cleaning costs); chain collision involving at least 4 identified vehicles; damage caused by transported objects/animals following collision with an identified vehicle; damage caused directly by the coupled trailer; falling airborne objects or their parts; damage from transport of the insured vehicle by train, boat or towing service; damage caused by a marten or similar animal or rodent to electric cables, hoses and engine compartment lining materials.

Vandalism / Material Damage (Full Omnium only)

Optional

Vandalism damage is covered under the 'Garantie Dégâts Matériels' (Full Omnium). This guarantee covers all material damage to the insured vehicle that is not expressly excluded, including damage caused by third parties (vandalism, hit-and-run) and single-vehicle accidents. A contractually fixed deductible applies (standard EUR 500, optional EUR 250 with higher premium). Not covered under Mini Omnium.

Roadside Assistance / Vehicle Assistance

Optional

Three optional assistance tiers available: Mobilité Start (basic), Mobilité Go, and Mobilité Go+. Included for free in the base contract is 'Assistance après accident' (Article 66): covers transport of passengers to home address and towing of the damaged vehicle to the insurer-approved garage in Belgium, when the vehicle is immobilized following a traffic accident in Belgium or within 30 km beyond Belgian borders. The optional Assistance insurance adds: breakdown assistance 24/7, replacement vehicle (category B for 7 days under Mobilité Go, category D for 15 days under Mobilité Go+), rental vehicle damage coverage (max EUR 4,000/year under Start/Go, max EUR 7,000/year under Go+), hotel accommodation abroad, and pick-up and delivery service (Mobilité Go+ only). The assistance centre is reachable 24/7 at +32 (0)2 286 70 00.

Replacement Vehicle

Optional

In case of theft of the insured vehicle: replacement vehicle (category B, max. 21 days) from the moment the insurer receives the theft declaration until the day after recovery of the stolen vehicle. Must be arranged through the assistance centre. In case of total loss following a traffic accident at an approved repairer: replacement vehicle for the duration of repair and for 6 days in case of total loss (per claims form information). Under the optional Assistance – Mobilité Go: replacement vehicle category B for max 7 consecutive days for immobilisation in Belgium not repairable within the day. Under Mobilité Go+: replacement vehicle category D for max 15 consecutive days in Belgium; abroad for max 3 days (repairable within 3 days), or for the period of repair/up to max 15 days if vehicle is stolen or total loss. A mobility budget (max EUR 85/day) may be chosen instead of a replacement vehicle.

Driver Accident Insurance (Assurance Conducteur)

Optional

Optional coverage compensating the authorised driver of the insured vehicle for bodily injury or death resulting from a sudden traffic-related event, regardless of fault. Covers: medical, surgical, pharmaceutical expenses including rehabilitation and prostheses; clothing damage; economic and moral damage from temporary or permanent total or partial incapacity; aesthetic damage; third-person assistance costs due to permanent incapacity. In case of death: funeral expenses, clothing damage, economic and moral damage for rightful claimants. Indemnification follows common law principles based on Belgian court awards, up to EUR 500,000 maximum per claim, with a EUR 500 maximum per claim for clothing damage. Excludes: participation in speed/regularity/skill competitions (even authorized); vehicle driven by person without valid licence or below minimum age; blood alcohol level above 0.8 g/litre; intentional claim.