Extracted from source documents

DVV Casco (own-damage car insurance) (Mobility Omnium)

Underwritten by DVV assurances · Belgium

casco (own-damage car insurance) from DVV for the Belgium market, with 24/7 assistance.

Verified Aug 26, 2026 · Terms dated 2024-03Sources

24/7 helpline

Unique selling points

Free choice between two Omnium tiers (Mini-Omnium for fire/theft/glass/nature perils, or Full Omnium adding own-fault damage and vandalism cover).

No deductible applies to glass breakage or theft-related damage, unlike the Material Damage guarantee.

24/7 Auto*Assistance helpline (0800 93 300) with free towing and a replacement vehicle when using a DVV-approved repairer.

DVV Stars loyalty points can be used to waive the deductible or protect the bonus-malus level after an at-fault claim.

A dedicated DVV consultant follows the claim file from start to finish, including for motorhome/camper policies.

Coverage limits

Conditional

Own damage (at-fault accident damage)

Conditional

All material damage to the insured vehicle is covered unless explicitly excluded or covered by another guarantee. This Material Damage guarantee is only part of Full Omnium, not Mini-Omnium.

Clause Art. 56Page 28

Section: 3. VOORWAARDEN EIGEN AAN ELKE WAARBORG > 3.5. WAARBORG MATERIËLE SCHADE

Wij verzekeren alle materiële schade aan het verzekerde rijtuig behalve als: - deze schade expliciet uitgesloten is; - het schadegeval onder een andere waarborg valt.

Covered

Total loss

Covered

In case of total loss, the indemnity equals the vehicle's value at the time of the claim (new value, agreed value -6/-12/-24/-36/-48 months, functional value or actual value depending on the chosen system), less the wreck value.

Clause Art. 20Page 25

Section: 2.3. BEPALINGEN BIJ SCHADEGEVAL > VERGOEDING BIJ TOTAAL VERLIES

De vergoeding is gelijk aan de waarde bij schadegeval van het verzekerde rijtuig verminderd met de waarde van het wrak.

Covered

Partial loss / repair costs

Covered

For partial damage, repair costs established by contradictory assessment or invoice are reimbursed, plus non-recoverable VAT. Urgent or provisional repairs are reimbursed up to 1,000 EUR without prior damage assessment.

Clause Art. 28Page 26

Section: 2.3. BEPALINGEN BIJ SCHADEGEVAL > VERGOEDING BIJ GEDEELTELIJKE SCHADE

Als het rijtuig gedeeltelijk beschadigd is, vergoeden wij de herstellingskosten vastgesteld bij tegensprekelijke schatting of, indien wij de door de verzekerde voorgelegde schaderaming hebben aanvaard, door een gedetailleerde factuur.

Covered

Theft / robbery

Covered

Theft of the vehicle or its equipment, and damage caused to commit the theft, are covered under both Mini- and Full Omnium. In case of theft, a replacement vehicle (max category B) is provided for up to 21 days.

Clause Art. 43Page 28

Section: 3.2. WAARBORG DIEFSTAL > VERZEKERDE SCHADE

Wij dekken de diefstal van het verzekerde rijtuig of van de uitrusting ervan evenals de schade aan het rijtuig aangebracht met het oog op de verwezenlijking van de diefstal.

Covered

Glass breakage

Covered

Covers breakage of the windshield, side windows, rear window and glazed sliding/tilting roof, excluding double glazing or armoured windows, under both Mini- and Full Omnium. Repairs via Carglass require no formalities and no cost to the insured.

Clause Art. 52Page 29

Section: 3.3. WAARBORG GLASBREUK > VERZEKERDE SCHADE

het breken van voor-, zij- en achterruiten of de ruit van het schuif- of klapdak, of hun equivalent in kunststof bij gedeeltelijke schade van het rijtuig met uitsluiting van dubbel glas of bepantserde ruiten

Covered

Forces of nature & related perils

Covered

Covers damage from exceptional forces of nature (rockslide, avalanche, storm >80km/h, hail, flood, earthquake, volcanic eruption...) and related perils such as collision with game (with police report), chain collision (min. 4 identified vehicles), marten/rodent damage to cabling, and damage during transport of the vehicle by train, boat or towing service.

Clause Art. 54Page 29

Section: 3.4. WAARBORG NATUURKRACHTEN & BIJKOMENDE GEVAREN

Wij dekken de schade door uitzonderlijke natuurkrachten die voor de verzekerde een geval van overmacht maakt.

Conditional

Vandalism

Conditional

Damage caused by vandalism or malicious acts is covered under the Material Damage guarantee (Full Omnium only), provided that a police report was filed immediately after the incident with the competent police or judicial authority.

Clause Art. 58Page 29

Section: 3.5. WAARBORG MATERIËLE SCHADE > UITSLUITINGEN

schade door daden van vandalisme of van kwaadwilligheid die niet onmiddelijk aangegeven werden bij de territoriaal bevoegde gerechtelijke overheid of bij de politie om een proces-verbaal op te laten maken.

Covered

Auto*Assistance (roadside)

Covered

Auto*Assistance: towing of the vehicle to the approved repairer, expert assessment, organisation of the technical inspection after repair, and the third-party payment system at approved repairers, valid in Belgium and up to 30 km beyond the border.

Clause Art. 13Page 25

Section: 2.3. BEPALINGEN BIJ SCHADEGEVAL > AUTO*BIJSTAND

De waarborg omvat de volgende diensten: - het wegtakelen van het verzekerde rijtuig, van de plaats van het schadegeval of van de woonplaats van de verzekerde naar de herstelplaats van de erkende hersteller;

Covered

Replacement vehicle

Covered

A replacement vehicle (max category B) is provided for the duration of repairs in case of partial damage, for 6 days in case of total loss, and up to 21 days in case of theft, via a DVV-approved garage. For motorhomes, the replacement vehicle provided is a passenger car, not another motorhome.

Optional

Driver bodily injury

Optional

Driver bodily injury is not included in Omnium but can be insured separately via the optional Driver guarantee (Death, Permanent Disability, Treatment Costs, Indirect Losses), with amounts set in the special conditions.

Clause Art. 3Page 31

Section: 3. DE WAARBORG > 3.1. OMVANG VAN DE DEKKING

Wij waarborgen de uitkering van de overeengekomen vergoeding in de hierna beschreven omstandigheden.

Key conditions

Driver age and experience limit

No specific minimum age or driving experience is stated for the Omnium guarantee itself; however, cover is void if, at the time of the claim, the driver does not hold a valid driving licence for the insured vehicle.

Repair network requirements

Using a DVV-approved repairer unlocks the Auto*Assistance benefits (towing, replacement vehicle, third-party payer system, free storage); for motorhomes, the replacement vehicle provided via an approved repairer is a passenger car, not another motorhome.

Anti-theft requirements

If stipulated in the special conditions, Theft cover requires the vehicle to be fitted with an anti-theft system meeting the specified requirements, kept in good working order at the insured's expense; during the first 30 days after the insurance application, cover is not conditional on the system's presence unless stated otherwise.

Claim notification deadline

Any claim must be reported within 8 days of becoming aware of it (Art. 16); in case of theft, an immediate report must also be filed with the competent police or judicial authority.

Deductible rules

A deductible set in the special conditions applies only to the Material Damage guarantee of Full Omnium (e.g. from 400 EUR for an insured value under 15,000 EUR excl. VAT); no deductible applies to glass breakage or theft-related damage. An 'English franchise' option is also available, under which DVV pays the full claim once it exceeds the deductible threshold.

Direct payment

When repairs are carried out by a DVV-approved repairer, the third-party payer system applies: DVV pays the covered damage directly to the repairer. Only uncovered damage, the deductible and recoverable VAT are billed to the insured. For glass breakage via Carglass, payment is likewise made directly, with no formalities for the insured.

Territorial scope

The Omnium insurance (Mini- and Full Omnium) is valid worldwide, without any distance limitation relative to Belgium.

Documents

Mobility – General Terms and Conditions (Dutch) (opens in a new tab)

Terms & conditions · PDF

Mobility – General Terms and Conditions (French) (opens in a new tab)

Terms & conditions · PDF

Motor Vehicle Insurance – Insurance Product Information Document (opens in a new tab)

Product information sheet · PDF

Camper/motorhome insurance product page (opens in a new tab)

Other document · PDF

Policy specifics

Vehicle must be locked to be covered against theft

Theft damage is not covered if the vehicle was left unlocked, with windows or roof open, or if the fitted anti-theft system was not used, unless the vehicle was in a locked individual garage.

SourceClause Art. 50Page 28

Section: 3.2. WAARBORG DIEFSTAL > GEVALLEN VAN NIET-VERZEKERING

het rijtuig werd niet op slot gedaan, de ramen of het dak stonden open; het systeem voor diefstalbeveiliging waarmee het omschreven rijtuig uitgerust is zoals bepaald in artikel 46 werd niet gebruikt; tenzij het rijtuig in een individuele garage werd geplaatst die op slot werd gedaan.

Police report required for animal collision coverage

Damage from a collision with game or other animals is covered only if an official report was filed immediately with the competent police or judicial authority.

SourceClause Art. 55Page 29

Section: 3.4. WAARBORG NATUURKRACHTEN & BIJKOMENDE GEVAREN

botsing met wild of andere dieren waarvoor onmiddelijk aangifte werd gedaan bij de territoriaal bevoegde gerechtelijke overheid of bij de politie om proces-verbaal op te laten maken;

Glass breakage guarantee exclusions

The glass breakage guarantee covers breakage of the front, side and rear windows and the glazed sliding/tilting roof, but excludes double (synthetic) glazing and armoured windows.

SourceClause Art. 52Page 29

Section: 3.3. WAARBORG GLASBREUK > VERZEKERDE SCHADE

het breken van voor-, zij- en achterruiten of de ruit van het schuif- of klapdak, of hun equivalent in kunststof bij gedeeltelijke schade van het rijtuig met uitsluiting van dubbel glas of bepantserde ruiten;

Sources

DVV Casco (own-damage car insurance)

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