Extracted from source documents

BNP Paribas Fortis Casco (own-damage car insurance) (Top Omnium)

Underwritten by AG Insurance · Belgium

casco (own-damage car insurance) from BNP Paribas Fortis for the Belgium market, with online purchase.

Verified Aug 27, 2026 · Terms dated 2023-11-18Sources

Online purchase

Unique selling points

Only four exclusions apply to the full Omnium.

Under the Excellence formula, total-loss or theft claims are reimbursed at 100% of value with no depreciation during the first 6 months and first 10,000 km.

Policyholders get a replacement vehicle for up to 30 days after theft, and for the full repair period when using an AG-approved repairer.

Multirisques claims (fire, theft, glass breakage, natural perils, animal collision) are settled with no deductible when repaired at an AG-approved repairer.

AG Team reports a 94% customer-satisfaction rate on claims handling, according to an independent Ipsos survey.

Coverage limits

Covered

Material damage / own-fault damage (Dégâts matériels)

100% of insured sum

Covers material damage to the insured vehicle caused by the policyholder (at fault or not) or by third parties, including damage during transport, loading or unloading, and vandalism; indemnity equals the insured value, capped at the vehicle's global value, subject to only four contractual exclusions.

Clause 2.6Page 9

Section: 2. Quelles garanties peut-on souscrire... > 2.6. Dégâts matériels

Nous assurons le véhicule désigné contre : – les dommages matériels y compris ceux qui surviendraient lors du transport du véhicule et pendant les opérations de chargement ou de déchargement y afférentes ; – les actes de vandalisme et les actes intentionnels autres que ceux commis par un assuré ou un bénéficiaire.

Covered

Total loss indemnity

100% of insured sum

If repair costs exceed the insured value (or, under the Excellence formula, at least two-thirds of the vehicle's global value), the vehicle is deemed a total loss and AG pays the insured value, reduced by prior unrepaired claim payments, plus VAT and registration tax where applicable. Depreciation depends on the chosen formula: Classic 1.25%/month from month 1; Excellence 1%/month from month 7 once at least 10,000 km are on the odometer; Standard 1%/month from the invoice date.

Clause 5.4.1Page 14

Section: 5. Que se passe-t-il en cas de sinistre? > 5.4. Le dommage > 5.4.1. En cas de sinistre total

Le véhicule est considéré en perte totale lorsque les frais de réparation hors taxes excèdent la valeur assurée au moment du sinistre, déduction faite de la valeur de l'épave.

Covered

Partial damage repair costs

Covered

Repair costs as assessed by the appointed expert are paid, plus applicable VAT, minus the contractual deductible; stolen or destroyed insured accessories are indemnified applying the same depreciation coefficient as for total loss.

Clause 5.4.2Page 15

Section: 5. Que se passe-t-il en cas de sinistre? > 5.4. Le dommage > 5.4.2. En cas de sinistre partiel

Nous payons au bénéficiaire : – les frais de réparation fixés par expertise. En cas de vol ou de destruction totale d'accessoires assurés, l'indemnité allouée est obtenue en appliquant à la valeur desdits accessoires le coefficient de dépréciation prévu en cas de perte totale.

Covered

Theft

100% of insured sum

Covers theft or attempted theft of the vehicle or a part of it, and resulting damage, plus lock replacement/reprogramming costs after key or remote-control theft; a police report must be filed within 24 hours. If the stolen vehicle is not recovered within 20 days it is indemnified as a total loss.

Clause 2.2Page 8

Section: 2. Quelles garanties peut-on souscrire... > 2.2. Vol

Nous assurons : – le vol du véhicule désigné ou d'une partie de celui-ci ainsi que sa détérioration du fait d'un vol ou d'une tentative de vol; – les frais de remplacement des serrures et/ou de reprogrammation du système de protection contre le vol lors du vol des clés et/ou de la commande à distance ;

Covered

Glass breakage

Covered

Covers breakage of the windscreen, side and rear windows, and glazed roof (including transparent synthetic materials); excluded if the vehicle is a total loss or the glass is not repaired or replaced.

Clause 2.3Page 9

Section: 2. Quelles garanties peut-on souscrire... > 2.3. Bris de vitrage

Nous assurons le véhicule désigné contre le bris des seuls : – pare-brise ; – vitrages latéraux et arrière ; – toit vitré.

Covered

Natural perils and collision with an animal

Covered

Covers direct damage from natural forces (earthquake, volcanic eruption, landslide, avalanche, flooding, storm ≥80 km/h, hail, lightning, vegetation fire, falling aircraft/spacecraft debris) and collision with an animal, including indirect damage from collision with large game or livestock, and animal damage to wiring, hoses or the vehicle's charging cable.

Clause 2.4Page 9

Section: 2. Quelles garanties peut-on souscrire... > 2.4. Forces de la nature et heurt avec un animal

Nous assurons le véhicule désigné contre le dommage causé directement par: – l'action des forces de la nature.

Covered

Vandalism

100% of insured sum

Vandalism and intentional acts committed by persons other than the insured or beneficiary are covered under the Material Damage guarantee, as part of the full Omnium.

Clause 2.6Page 9

Section: 2. Quelles garanties peut-on souscrire... > 2.6. Dégâts matériels

les actes de vandalisme et les actes intentionnels autres que ceux commis par un assuré ou un bénéficiaire.

Covered

Complementary indemnities (towing, repatriation, provisional garage, customs, plate replacement)

€1.5K

For a covered claim, AG additionally covers towing to the nearest garage, the repair estimate and provisional garage costs, repatriation costs, customs duties if the vehicle cannot be re-imported in time, and registration-plate replacement costs, up to a combined maximum of EUR 1,500.

Clause 2.8.1Page 10

Section: 2. Quelles garanties peut-on souscrire... > 2.8. Extensions communes à toutes les garanties > 2.8.1. Indemnités complémentaires

En cas de sinistre couvert, nous prenons également en charge pour le véhicule désigné, jusqu'à concurrence de 1.500,00 EUR au maximum: – les frais de remorquage au garage le plus proche du lieu de l'accident;

Conditional

Replacement vehicle

Conditional

A replacement vehicle is provided for the whole duration of repairs when using an AG-approved repairer, and for up to 30 days in case of theft.

Section: The additional benefits of your car insurance > A replacement vehicle

During the incapacity period at an approved repairer, and in case of theft, you are entitled to a replacement vehicle for 30 days thanks to your comprehensive car insurance or mini-comprehensive insurance.

Driver injury / driver accident cover

No limit stated

No driver bodily-injury/accident cover is described within the Top Omnium casco guarantees; AG sells driver accident cover as a separate guarantee.

Key conditions

Driver age and experience limit

No minimum driver age or experience is required to be covered; however, a reduced ('lowered') deductible tier is only available if the main driver is aged 26 to 75, has a bonus-malus rating between -2 and 8, and has had no more than one at-fault claim in the last 5 years.

Repair network requirements

The policyholder is always free to choose any repairer; however, using an AG-approved repairer unlocks a lower deductible, a direct third-party payment system, a guarantee on repairs and parts, and a replacement vehicle during repairs. Repairing outside the approved network increases the deductible by EUR 250.

Anti-theft requirements

The vehicle must be equipped with an AG-approved anti-theft device, kept switched on and in full working order; theft cover is excluded if doors/boot were left unlocked, windows/roof left open, the ignition key left in or on the vehicle, or the anti-theft system was not engaged, unless the vehicle was in a locked individual garage that was broken into.

Claim notification deadline

In case of theft or attempted theft, a police report must be filed within 24 hours of discovery and the insurer notified within the same 24-hour period; for other claims the beneficiary must submit a repair estimate and allow the appointed expert to assess the damage before any repair.

Deductible rules

Several fixed or 'Flexi' deductible formulas are available depending on the insured value bracket (e.g. EUR 250-1,050 fixed, or Flexi dropping to EUR 0 with an identified third party or documented theft/vandalism); Multirisques claims (fire, theft, glass, natural perils) carry no deductible when repaired by an AG-approved repairer, and the deductible is increased by EUR 250 if repaired outside the approved network.

Direct payment

When repairs are carried out by an AG-approved repairer, AG pays the repairer directly (third-party payment system), and the policyholder benefits from a reduced deductible and a guarantee on repairs and parts.

Territorial scope

Cover applies in the countries validated on the vehicle's insurance certificate (green card).

Documents

General Terms and Conditions – Top Omnium (French, 2017 edition, superseded) (opens in a new tab)

Terms & conditions · PDF

General Terms and Conditions – Top Omnium (Dutch, 2017 edition, superseded) (opens in a new tab)

Terms & conditions · PDF

General Terms and Conditions – Top Omnium / Top Occasium (French, edition 18/11/2023, current) (opens in a new tab)

Terms & conditions · PDF

Top Omnium product brochure and deductible table (French) (opens in a new tab)

Table of benefits · PDF

Top Omnium product brochure and deductible table (Dutch) (opens in a new tab)

Table of benefits · PDF

Comprehensive Car Insurance product page (BNP Paribas Fortis, English) (opens in a new tab)

Other document · PDF

Policy specifics

Zero depreciation for new vehicles

100% compensation for total loss during first 6 months and 10,000 km; extensible to 24 months/24,000 km with Pack Omnium+

Source

Section: The additional benefits of your car insurance > No depreciation for 10,000 km

Your car does not lose value until it has done more than 10,000 km.

Approved repairer network benefits

Choice of repairer allowed; reduced deductible and third-party payment system when using AG-approved repairers

Source

Section: The additional benefits of your car insurance > Your choice of repairer

By opting for an approved repairer, you benefit from a guarantee on repairs and spare parts, a third-party payment system, and a replacement vehicle during the immobilisation period.

Multi-risk coverage (Multirisques/Multirisk)

Covers theft, break-in, fire, glass breakage, natural disasters, collision with animals; often called 'mini omnium' or 'small comprehensive'

SourcePage 4

Section: Introduction

La garantie Multirisques, parfois appelée «petite omnium», intervient en cas d'incendie, vol, bris de vitrage, forces de la nature et heurt avec un animal.

Material damage coverage (Dégâts matériels)

Covers damage caused by own fault or third parties; combined with Multi-risk forms 'full omnium' (grande omnium)

SourcePage 4

Section: Introduction

La garantie Dégâts matériels forme, avec la Multirisques, la «grande omnium» et couvre les dommages causés au véhicule par vous-même (en droit ou en tort) ou pas des tiers.

Approved repairer condition

Replacement vehicle and third-party payment system only apply when using AG-approved repairer; however, policyholder is free to choose any repairer

Source

Section: The additional benefits of your car insurance > Your choice of repairer

By opting for an approved repairer, you benefit from a guarantee on repairs and spare parts, a third-party payment system, and a replacement vehicle during the immobilisation period.

Policy term and renewal conditions

1-year contract with tacit renewal; for contracts from Oct 1, 2024, 2-month cancellation period before renewal; from year 2, cancellation allowed anytime

Source

For contracts taken out or tacitly renewed from 1 October 2024, you can terminate them up to two months before the main deadline. From the second year of insurance onwards, you can cancel the contract at any time.

Insured value basis for new vehicles

For vehicles max 2 years old, choice between catalog value or invoice value as basis for insured sum

Source

Section: The additional benefits of your car insurance > Choosing the insured value

You can decide on the insured value of your vehicle, either based on the catalogue value or the invoice value of your vehicle.

Deductible/Excess options

Up to 6 different deductible formulas available; some can be reduced to 0 EUR in certain cases; flexible deductible choice

Source

Section: The additional benefits of your car insurance > A franchise level that suits you

We offer two franchise formulas. You determine the amount of your premium and take out insurance that meets your expectations and needs.

Sources

BNP Paribas Fortis Casco (own-damage car insurance)

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