Belfius Direct Casco (own-damage car insurance) (Kilometerverzekering 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 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.

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).

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).

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.

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.

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).

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.

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.