Belfius Insurance SA/NV, trading as Belfius Direct Insurance (Belfius Direct)
Belfius Direct
Belfius Direct is a motor casco insurance for the Belgium market with online purchase and 24/7 assistance.
Direct payment
If you have your vehicle repaired at a Belfius Direct approved repair shop, the insurer pays the repair invoice directly to the garage and grants a lifetime warranty on the repair; you may also choose an independent garage, in which case you advance the repair costs and claim reimbursement against the repair invoice.
Geographic scope
Belgium (nationwide)
Omnium cover applies in the countries shown on the insurance certificate (formerly green card), excluding any crossed-out countries; roadside assistance and the replacement vehicle/mobility budget apply in Belgium, Luxembourg and up to 30 km beyond the Belgian border with the other neighbouring countries.
Unique selling points
- The only Belgian insurer that refunds you for kilometres you didn't actually drive, having already repaid €3 million to customers who drove less during the pandemic.
- Total loss claims are paid with an extra 10% on top of the standard compensation.
- Flexible Full Omnium deductible: a fixed €500 that can be halved to €250 for a premium surcharge.
- Insured value can be set up to 110% of the invoice price, giving extra protection against depreciation on newer vehicles.
- Choice between a replacement vehicle or a mobility budget of up to €850, combined with an approved repair network offering a lifetime repair warranty and direct payment of the invoice.
Coverage limits
Material/Own Damage
110% of insured sum
Only in Full Omnium
Covers damage to the insured vehicle resulting from an accident, an act of vandalism, or transport by rail, water or air; excludes tyre-only damage, wear, mechanical defects and manifestly poor maintenance. Available only under the Full Omnium formula, subject to a €500 deductible (reducible to €250 for a premium surcharge). The insured value on which indemnification is based may be set up to 110% of the invoice value if the increased-value option is chosen.
Total Loss
110% of insured sum
Total loss applies when the vehicle is technically irreparable, when repair costs exceed the insured value (minus wreck value), or when a stolen vehicle is not recovered within 30 days of the theft declaration. Indemnification equals the insured value (up to 110% of invoice value if the increased-value option was chosen) minus the wreck value, unless the insurer is instructed to sell the wreck. An additional 10% total-loss bonus is paid on top of the standard compensation.
Partial Damage
Covered
Applies when a covered incident does not result in total loss. Repair costs are indemnified based on the expert's report and on presentation of the detailed repair invoice from the repairer where the expertise took place; applies to whichever peril is covered under the selected formula (fire/theft/glass/nature under Petite Omnium; also accident/vandalism under Full Omnium).
Theft
Covered
Covers damage to the insured vehicle resulting directly from theft or attempted theft. Reprogramming or lock-replacement costs are reimbursed if stolen keys/remotes are reported to police within 24 hours. Excludes cases where the vehicle was left unlocked, with windows/boot/sunroof open, in a public place with visible keys, or without the required anti-theft device (unless within the first 30 days after the offer, or the vehicle was in a locked individual garage).
Glass Breakage
Covered
Covers breakage of the windscreen, rear window, side windows, or the transparent part of a glass roof, plus any resulting material damage to the vehicle. Headlight and mirror glass breakage is excluded.
Natural Perils & Collision with Loose Animals
Covered
Covers direct damage caused by rockslides, landslides, avalanche, snow pressure, storms with wind speeds proven over 100 km/h, hurricanes, hail, tidal waves, flooding, earthquakes and volcanic eruptions, as well as demonstrable collisions with loose animals and damage to pipes, cables and insulation in the engine compartment caused by martens or rodents.
Vandalism
Conditional
Only in Full Omnium
Covers material damage to the insured vehicle resulting from an act of vandalism. Available only under the Full Omnium formula, subject to the same €500 deductible as other material damage claims (reducible to €250 for a premium surcharge).
24/7 Roadside Assistance
Covered
Included as a base benefit of the Kilometerverzekering (not tied to Omnium tier selection). Provides 24/7 assistance if the insured vehicle is stolen or immobilised following an accident, fire, vandalism or breakdown in Belgium, Luxembourg or up to 30 km beyond the Belgian border with the other neighbouring countries: towing to a garage, transport of uninjured passengers home, lock-out assistance, reimbursement of a taxi (up to €150) if keys are lost with a spare at home, and up to 24 hours of vehicle storage. Limited to a maximum of 2 breakdown interventions per insurance year.
Replacement Vehicle or Mobility Budget
€850
Optional cover, only applicable if included in the special conditions. If the insured vehicle is stolen or immobilised in Belgium, Luxembourg or up to 30 km beyond the Belgian border, a category-B replacement vehicle is provided for a maximum of 10 consecutive days (accident/fire/vandalism/breakdown), extended to 20 days for technical total loss and 30 days for theft. Instead of a replacement vehicle, the policyholder may opt for a mobility budget of up to €85 per day, capped at €850 in total per claim; any unused budget is not recoverable.
Driver Accident Cover
€150,000
Optional cover, only applicable if included in the special conditions, indemnifying any authorised driver of the insured vehicle for bodily injury and/or death resulting from an accident involving the insured vehicle, regardless of fault. Amounts: up to €37,500 for death, up to €37,500 for partial permanent disability, up to €150,000 for total permanent disability, €75 per day of hospitalisation (max. 365 days), up to €7,500 for medical costs, up to €1,500 for clothing damage and up to €375 for veterinary costs.
Key conditions
Driver age and experience limit
There is no general minimum driver age restriction for Omnium cover, but if an occasional driver under 25 is not declared in the contract, the Full Omnium material-damage deductible is doubled for accidents caused by that driver between Friday 22:00 and Monday 06:00; declaring the young driver avoids the surcharge at no extra cost.
Repair network requirements
You may repair at a Belfius Direct approved garage or an independent garage of your choice; indemnification of material damage (Kleine/Full Omnium) requires proof via the repair invoice, except in case of total loss; approved repairers offer a replacement vehicle, a lifetime warranty on repairs and direct payment of the invoice by the insurer.
Territorial scope
Omnium cover applies to the countries shown on the insurance certificate (formerly green card), excluding any crossed-out countries; roadside assistance and the replacement vehicle/mobility budget apply in Belgium, Luxembourg and up to 30 km beyond the Belgian border with the other neighbouring countries.
Anti-theft requirements
If the special conditions require an anti-theft device, the theft cover only applies if the vehicle is fitted with a system meeting the specified requirements; this condition does not apply during the first 30 days after the insurance offer; the insured must keep the system in working order and, in case of a claim, provide the numbered installation certificate and the installation invoice.
Claim notification deadline
Any claim must be reported in writing as soon as possible and at the latest within 8 days of becoming aware of it; theft or vandalism must additionally be reported to the police within 24 hours.
Deductible rules
Kleine Omnium (fire, theft, glass, nature/animals) has no deductible; Full Omnium's material damage cover has a fixed deductible of €500, which can be reduced to €250 in exchange for a premium surcharge; an undeclared occasional driver under 25 doubles the material-damage deductible for accidents occurring between Friday 22:00 and Monday 06:00.
Policy specifics
Full Omnium deductible flexibility
Full Omnium offers fixed deductible of €500 or can be reduced to €250 by paying additional premium
SourceKilometre-based premium calculation
Premium is calculated based on actual kilometres driven per year; policyholders are refunded for undriven kilometres and pay supplementary premium for extra kilometres beyond the estimate
SourceTotal loss compensation bonus
In case of total loss of the vehicle, policyholder receives additional 10% refund on top of standard compensation
SourceApproved repair shop network condition
Policyholder can choose to repair at Belfius Direct-approved repair shop or independent workshop; indemnification of material damage requires proof via repair invoice
SourceYoung driver deductible surcharge condition
If Full Omnium policyholder has occasional young driver (under 25 years) not listed in contract, deductible on material damage doubles for accidents caused by that driver between Friday 22:00 and Monday 06:00
Source