BNP Paribas Fortis SA/NV
BNP Paribas Fortis
BNP Paribas Fortis is a motor casco insurance for the Belgium market with online purchase and limited assistance availability.
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.
Geographic scope
Belgium
Cover applies in the countries validated on the vehicle's insurance certificate (green card).
Unique selling points
- Only four clearly listed exclusions apply to the full Omnium, far fewer than typical comprehensive exclusion lists.
- 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
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.
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.
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.
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.
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.
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.
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.
Complementary indemnities (towing, repatriation, provisional garage, customs, plate replacement)
€1,500
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.
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.
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.
Territorial scope
Coverage applies in the countries validated on the vehicle's international insurance certificate (green card).
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.
Where to buy
Documents
General Terms and Conditions – Top Omnium (French, 2017 edition, superseded)
Terms & conditions
General Terms and Conditions – Top Omnium (Dutch, 2017 edition, superseded)
Terms & conditions
General Terms and Conditions – Top Omnium / Top Occasium (French, edition 18/11/2023, current)
Terms & conditions
Top Omnium product brochure and deductible table (French)
Table of benefits
Top Omnium product brochure and deductible table (Dutch)
Table of benefits
Comprehensive Car Insurance product page (BNP Paribas Fortis, English)
Other document
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+
SourceApproved repairer network benefits
Choice of repairer allowed; reduced deductible and third-party payment system when using AG-approved repairers
SourceMulti-risk coverage (Multirisques/Multirisk)
Covers theft, break-in, fire, glass breakage, natural disasters, collision with animals; often called 'mini omnium' or 'small comprehensive'
SourceMaterial damage coverage (Dégâts matériels)
Covers damage caused by own fault or third parties; combined with Multi-risk forms 'full omnium' (grande omnium)
SourceApproved repairer condition
Replacement vehicle and third-party payment system only apply when using AG-approved repairer; however, policyholder is free to choose any repairer
SourcePolicy 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
SourceInsured value basis for new vehicles
For vehicles max 2 years old, choice between catalog value or invoice value as basis for insured sum
SourceDeductible/Excess options
Up to 6 different deductible formulas available; some can be reduced to 0 EUR in certain cases; flexible deductible choice
Source