Ethias

Material damage (own vehicle)

Covered

Covers damage caused to the insured vehicle as a result of an accident (shock, fall, overturning or collision), including damage from vandalism, tyre damage from vandalism (police report required within 48h), transport by rail/sea/air, fuel errors, and costs for cleaning interior after gratuitous transport of accident victims (up to €250 excl. VAT). Reimbursement at actual repair cost (non-recoverable VAT included). Not covered: damage from theft/fire, wear and tear, items being transported, rental use, speed contests.

Total loss

Covered

Total loss applies when the vehicle cannot be repaired or when repair costs exceed the contractual indemnification value (minus wreck value). For Omnium Plus: 0% depreciation during months 0–30, then 2.5%/month from months 31–46, then 1%/month from months 47–72; from month 73 the real market value applies. A minimum value guarantee applies: before month 73, if the real value exceeds the depreciated value, the real value is paid (capped at insured value in the policy). Insured value is invoice value (factuurwaarde) by default; catalog value used if no invoice is available.

Partial loss / repair costs

Covered

When damage to the insured vehicle is repairable, the insurer reimburses the actual repair cost including non-recoverable VAT (provided the insured actually and definitively bore this tax). For Omnium and Omnium Plus, deductibles apply: €0, €500 or €1,000 at an Ethias-approved repairer (as stipulated in the policy); these rise to €500, €1,000 and €1,500 respectively at a non-approved repairer. Policyholders under 26 face a compulsory deductible of €500 regardless of repairer.

Theft and robbery

Covered

Covers theft of the insured vehicle and its accessories, as well as damage resulting from theft or attempted theft. Also covers theft of vehicle keys when there is imminent risk of vehicle theft (including lock replacement and key reprogramming costs). Omnium Plus additionally covers theft of transported goods up to €1,000 per claim (excluding jewellery, cash, bank notes, precious metals, stamps, cheques, securities). Police report must be filed within 48 hours. Excluded: theft committed by family members or employees of the policyholder/insured; theft resulting from a lost or left key in/on the vehicle; theft where anti-theft system was not activated (unless stored in a locked private garage); theft by abuse of trust.

Glass damage

Covered

Covers breakage, cracking or scratching of the windscreen, side and rear windows, rear-view mirror glass and glazed roofs (including panoramic and sunroofs). Indemnity covers: cost of materials for repair at Belgian catalogue prices or current market prices; price of the broken glass if repair is technically impossible; labour costs; new fixing joints if essential. Replacement must be evidenced by a detailed, paid invoice bearing the vehicle make and chassis number. Coverage applies to all omnium formulas; Carglass is an approved network partner for glass repairs.

Natural perils and animal collision

Covered

Covers damage directly and immediately resulting from: rockfall, landslides, avalanches, snow pressure, storms, hail, flooding, hurricanes, tornadoes, cyclones, earthquakes, volcanic eruptions, tidal waves; unexpected contact with an animal on the exterior of the vehicle (limited to 'large game' — deer, roe deer, fallow deer, mouflon, wild boar, wild rabbit, hare — and 'large cattle' — cattle, horse, mule, donkey, pig); damage in the engine compartment caused by an animal continuously gnawing or scratching. Excluded: flood damage from burst pipes on the premises; damage from animal contact outside the listed categories; tyre damage unless it occurs simultaneously with other covered damage.

Vandalism

Covered

Vandalism is covered under the Omnium and Omnium Plus material damage guarantee, including tyre deterioration resulting from vandalism (police report required within 48 hours after discovering the facts). Vandalism is also covered under the Mini Omnium Plus total loss guarantee. Vandalism is explicitly excluded under Mini Omnium and Mini Omnium Plus (other than as a cause of total loss).

Roadside assistance (Mobility)

Covered

Mobility is included free of charge in every Ethias civil liability policy. In case of a road accident in Belgium, the Grand Duchy of Luxembourg or up to 50 km beyond the Belgian border with neighbouring countries: 24/7 free breakdown and towing to a garage of the policyholder's choice; return of driver and passengers to their home. A replacement vehicle is provided at no charge for the duration of repairs if the policyholder is unquestionably in the right and uses an Ethias-approved repairer; or for 6 days in case of total loss (standard Mobility). Mobility Maxi is an optional extension providing a replacement vehicle for up to 10 days in case of repair and up to 30 days in case of total loss or theft — included as standard in Omnium Plus. Organised by IMA Benelux / Ethias Assistance. Emergency line: +32 (0)4 220 34 00 (NL) / +32 (0)11 28 24 00.

Replacement vehicle (Mobility Maxi)

Covered

Mobility Maxi is included as standard in Omnium Plus. When the insured vehicle is immediately immobilised following an accident, fire, natural peril/animal contact, vandalism or attempted theft in Belgium, Luxembourg or within 50 km of Belgian borders: replacement vehicle of category A (mini city car) or B (city car) is provided for up to 10 days in case of repairs, and up to 30 days in case of total loss or theft. Ethias must give prior agreement. The replacement vehicle provider's conditions apply (deposit, minimum 21 years old, valid driving licence held for at least 1 year). Mobility Maxi is also available as a paid optional add-on for other omnium formulas. The standard Mobility (included in BA) provides a replacement vehicle for the duration of repairs or 6 days for total loss at approved repairers when the policyholder is in the right.