CBC Casco (own-damage car insurance) (Omnium)
Underwritten by KBC Assurances · Belgium
casco (own-damage car insurance) from CBC for the Belgium market, with online purchase and 24/7 assistance.
Last verified Aug 26, 2026Sources
Unique selling points
CBC is the only insurer on the Belgian market to cover marten damage to cables and hoses as standard, even in the partial omnium.
A purchase-price guarantee reimburses the full investment for up to 48 months for new/electric vehicles and 24 months for used vehicles in case of total loss or theft.
No deductible is applied for fire, theft in a locked garage, natural forces, marten damage, or collision with stray animals or birds, even in case of total loss.
The automatically included '10% supplement' option increases the total-loss or theft indemnity by 10% with no justification required, and is chosen by more than 4 out of 5 customers.
Using CBC's approved repairer network guarantees direct settlement of the repair bill and an automatic replacement vehicle for the duration of repairs.
Coverage limits
Own Damage (Collision / At-Fault Damage)
Conditional
Damage to the insured vehicle resulting from a collision, including when the policyholder is at fault, is covered under the full omnium (omnium tous risques/complète); this cover is not included under the partial omnium, which only covers a limited list of named perils.
Section: Assurance omnium pour votre voiture > Pourquoi choisir l'assurance omnium de CBC? > Qu'est-ce qui est assuré?
Les dommages résultant d'une collision, d'un incendie, d'un bris de glaces, d'un vol, de vandalisme, de l'action des forces de la nature, du plein avec le mauvais carburant, d'une collision avec des animaux errants ou des oiseaux, et les dommages dus aux fouines.
Total Loss Settlement
Covered
In case of total loss, the full omnium offers a choice of 4 settlement formulas (guaranteed value, agreed value, new value, accelerated depreciation) while the partial omnium offers a choice of 2 formulas (agreed value, accelerated depreciation); both tiers reimburse the registration tax (TMC) and fiscal stamp, and a purchase-price guarantee applies (up to 48 months for new/electric vehicles, 30 months for new fossil-fuel vehicles, and 24 months for used vehicles).
Section: Assurance Omnium Tous Risques Voiture > Ce que vous devez sûrement savoir
pour l'indemnisation des dommages en cas de perte totale, choix entre 4 formules :
Partial Damage
Conditional
The full omnium covers virtually all partial damage except exclusions listed in the general terms (e.g. drunk driving above 1.5‰, theft facilitated by an unattended/unlocked vehicle, driver not meeting legal requirements, wear and tear); the partial omnium only covers partial damage arising from named perils (theft/attempted theft, glass breakage, natural forces, fire/explosion, collision with animals or birds, falling aircraft parts).
Section: Assurance Omnium Tous Risques Voiture > Garanties
tous les sinistres sont assurés sauf ceux repris explicitement dans la liste des exclusions.
Theft and Robbery
Covered
Theft and attempted theft of the vehicle are covered under both the full and partial omnium, including damage caused during the theft (accident or vandalism); medical costs for injuries following a violent theft (car-jacking or home-jacking) and lock replacement/reprogramming costs after key theft are also reimbursed, even without damage to the vehicle.
Section: Assurance Omnium Partielle Voiture > Garanties
vol ou tentative de vol (pendant la durée du vol, les dommages par suite d'accident ou de vandalisme sont également couverts)
Glass Breakage
Covered
Breakage of windows or the transparent part of the roof is covered under both the full and partial omnium; no deductible applies if the repair is carried out via a CBC-approved method (approved repairer or Carglass).
Section: Assurance Omnium Partielle Voiture > Garanties
bris de glaces : bris de vitres ou de la partie transparente du toit
Natural Perils
Covered
Damage caused by the forces of nature (lightning, storm, hail, flooding, earthquake) is covered under both the full and partial omnium, with no deductible applied.
Section: Assurance Omnium Tous Risques Voiture > Ce que vous devez sûrement savoir
action des forces de la nature,
Vandalism
Covered
Vandalism is fully covered under the full omnium; under the partial omnium it is only covered when it occurs during the course of a theft or attempted theft of the vehicle.
Section: Assurance Omnium Tous Risques Voiture > Garanties
Sont par exemple assurés : les dommages faisant suite à une collision, du vandalisme, un vol, l'action des forces de la nature, le bris de glaces et l'incendie.
Roadside / Vehicle Assistance
Conditional
CBC-Auto Assistance (vehicle and persons assistance) is automatically included within the full omnium; for the partial omnium or a standalone RC policy, assistance must be purchased separately as the CBC-Auto Assistance product, available in 3 formulas.
Section: Assurance Omnium Tous Risques Voiture > Garanties
une assistance étendue (assistance CBC-Auto Assistance)
Replacement Vehicle
Conditional
A replacement vehicle in Belgium for a maximum of 7 consecutive days is automatically provided under the full omnium in case of accident, breakdown, or theft; this benefit is not automatically included under the partial omnium.
Section: Assurance Assistance CBC-Auto Assistance > Garanties > Voiture de remplacement
voiture de remplacement en Belgique pendant la durée de l'immobilisation (avec un maximum de 7 jours consécutifs) en cas d'accident, de panne ou de vol.
Driver Accident Insurance
Optional
Driver/traffic accident cover, which pays pre-agreed lump sums for bodily injury to the driver and family members regardless of fault, is a separate, optional cover within the Police Voiture CBC and is not part of the omnium; policyholders choose among 5 capital tiers.
Section: Assurance Accidents Circulation > Ce que vous devez sûrement savoir
pour les capitaux assurés : choix entre 5 séries différentes
Key conditions
Driver age and experience limit
The sources reviewed do not specify a minimum driver age or experience requirement for CBC Casco (omnium) cover.
Repair network requirements
Policyholders may freely choose their repairer, but if they use a KBC Assurances-approved repairer, CBC settles the repair bill directly with the garage and automatically provides a replacement vehicle for the repair duration; glass damage repaired at an approved repairer or Carglass is also exempt from the deductible.
Anti-theft requirements
For certain vehicle types, installation of an anti-theft protection device is mandatory under both the full and partial omnium cover.
Claim notification deadline
The sources reviewed do not state a specific claim notification deadline for this product; policyholders should refer to the general policy conditions.
Deductible rules
Under the full omnium, the policyholder chooses a deductible expressed as a percentage of the vehicle's catalogue value excluding VAT (2.5%, 3.5%, 5%, 7.5% or 10% per the IPID) or, per more recent CBC product pages, a fixed deductible between €250 and €1,250; no deductible applies to theft (if the car was in a locked individual garage), glass damage repaired via an approved method, fire, natural forces, or collision with stray animals or birds, even in case of total loss. Under the partial omnium, no deductible applies except for theft (if the vehicle was not in a locked individual garage) or glass damage not repaired via an approved method.
Direct payment
CBC pays approved repairers directly for omnium claims when the policyholder chooses a KBC Assurances-approved repairer, so the client does not need to advance any payment.
Territorial scope
Vehicle assistance under the full omnium is valid throughout geographic Europe, while assistance to persons is valid worldwide regardless of the means of transport used.
Documents
Policy specifics
Marten (Pine Marten) Damage Coverage
Coverage for damage caused by martens (fouines) to vehicle cables, hoses, and motor compartment isolation in both full and partial omnium
SourceSection: Assurance omnium pour votre voiture > Pourquoi choisir l'assurance omnium de CBC? > Qu'est-ce qui est assuré?
Les dommages résultant d'une collision, d'un incendie, d'un bris de glaces, d'un vol, de vandalisme, de l'action des forces de la nature, du plein avec le mauvais carburant, d'une collision avec des animaux errants ou des oiseaux, et les dommages dus aux fouines.
Total Loss Price Guarantee
Full reimbursement of purchase price in case of total loss or theft within 30 months for fossil fuel vehicles and 48 months for electric vehicles
SourceSection: Assurance omnium pour votre voiture > En savoir plus sur l'Omnium Tous risques dans le cadre de la Police voiture CBC > Récupérez le prix d'achat dans son intégralité
Si vous assurez une voiture neuve, vous serez remboursé de la totalité de votre investissement jusqu'à 48 mois après votre achat.
Lock Replacement and Reprogramming Costs
Coverage for lock replacement and key system reprogramming costs after theft of vehicle keys
SourceSection: Assurance omnium pour votre voiture > Pourquoi choisir l'assurance omnium de CBC? > Qu'est-ce qui est assuré?
Les frais de remplacement des serrures ou de reprogrammation du système de verrouillage après le vol de vos clés de voiture.
Supplementary Equipment Indemnification
Indemnification of supplementary equipment (winter tires, roof rack) that cannot be used after total loss
SourceSource no longer reachableRegistration Tax (TMC) Refund
Refund of registration tax (Taxe de mise en circulation - TMC) in case of total loss or theft
SourceSection: Assurance omnium pour votre voiture > Pourquoi choisir l'assurance omnium de CBC? > Qu'est-ce qui est assuré?
Le coût de la TMC (taxe de mise en circulation) est assuré gratuitement en cas de perte totale.
Deductible (Franchise) Options
Policyholder can choose deductible between €250 and €1,250
SourceSection: Assurance auto > Calculez votre assurance auto > Dois-je tenir compte d’une franchise?
Si vous souscrivez une assurance omnium, vous choisissez une franchise adaptée à votre budget, entre de 250 à 1 250 euros.
10% Supplement Indemnity Option
Option to increase indemnity by 10% in case of total loss or theft without additional formality
SourceSection: Assurance auto > Calculez votre assurance auto > Vais-je recevoir une compensation supplémentaire en cas de perte totale ou de vol?
Avec l' option ’10% supplémentaires’ , nous majorons l’indemnité de 10 %, sans autre formalité.
Approved Repair Network
Option to use KBC Assurances approved repair network for direct damage settlement and replacement vehicle provision
SourceSection: Assurance omnium partielle pour votre voiture > En savoir plus sur l'Omnium partielle dans le cadre de la Police voiture CBC
KBC Assurances collabore avec un réseau de réparateurs . Si vous choisissez un de ces réparateurs, CBC règlera directement les dommages si c'est possible. De plus, vous bénéficiez toujours d'une voiture de remplacement pendant la durée des réparations.
Optional Assistance for Persons (Family)
Optional coverage for assistance to policyholder and family members in case of accident or emergency during travel
SourceSection: Assurance omnium pour votre voiture > Dépannage par VAB 24 heures sur 24, 7 jours sur 7
Assistance pour vous et votre famille (optionnel: vous pouvez aussi souscrire cette assurance omnium sans assistance personnes).
Policy Duration and Renewal Terms
Policies are valid for 1 year and automatically renewed; consumer can terminate with 2 months notice after first year; insurer must give 3 months notice to terminate
SourceSection: Assurance omnium pour votre voiture > Ce que vous devez savoir
Les assurances de cette police sont valables 1 an. Elles sont reconduites tacitement, sauf en cas de résiliation au plus tard 3 mois avant l’échéance principale.
Sources
- cbcpdf.cbc.behttps://cbcpdf.cbc.be/entreprises/police_auto_cbc.pdf#page=10(opens in a new tab)
- cbcpdf.cbc.behttps://cbcpdf.cbc.be/entreprises/police_auto_cbc.pdf#page=12(opens in a new tab)
- cbcpdf.cbc.behttps://cbcpdf.cbc.be/entreprises/police_auto_cbc.pdf#page=5(opens in a new tab)
- cbcpdf.cbc.behttps://cbcpdf.cbc.be/entreprises/police_auto_cbc.pdf#page=6(opens in a new tab)
- cbcpdf.cbc.behttps://cbcpdf.cbc.be/entreprises/police_auto_cbc.pdf#page=7(opens in a new tab)
- cbc.behttps://www.cbc.be/particuliers/fr/assurer/vehicule/assurance-auto.html(opens in a new tab)
- cbc.behttps://www.cbc.be/particuliers/fr/assurer/vehicule/assurance-omnium-pour-voiture.html(opens in a new tab)Source no longer reachable
- cbc.behttps://www.cbc.be/particuliers/fr/assurer/vehicule/assurance-omnium-pour-votre-voiture.html(opens in a new tab)
- cbc.behttps://www.cbc.be/particuliers/fr/assurer/vehicule/omnium-partielle.html(opens in a new tab)
CBC Casco (own-damage car insurance)