Extracted from source documents

Ethias Casco (own-damage car insurance) (Omnium)

Underwritten by Ethias · Belgium

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

Verified Aug 26, 2026 · Terms dated 2026-04Sources

Online purchase24/7 helpline

Unique selling points

Free 24/7 roadside breakdown assistance is automatically included with the compulsory liability policy, before any Omnium option is even chosen.

Policyholders aged 30 or over using an Ethias-approved repairer can obtain a zero deductible on material damage claims.

A minimum-value guarantee protects the total-loss payout against excessive depreciation up until the vehicle's 73rd month.

Glass cover extends beyond windscreens to side/rear windows, mirror glass and panoramic or sunroof glass.

Damage from putting the wrong fuel in the vehicle is covered under the Omnium/Omnium Plus material damage guarantee.

Coverage limits

Optional · omnium, omnium_plus

Own Damage (Material Damage)

Optional

Covers damage to the insured vehicle from a collision, fall, overturning or accident, including vandalism; included only in the Omnium and Omnium Plus tiers, not in Mini Omnium or Mini Omnium Plus. Indemnity is based on the insured value (catalogue or invoice value) reduced by depreciation coefficients for total loss, or actual repair cost for repairable damage.

Clause Art. 6Page 72

Section: Titre 6 - Assurance omnium et omnium plus > Chapitre 1 > Article 6 La garantie Dégâts matériels

L’assureur couvre les dégâts causés au véhicule assuré consécutivement à un accident résultant d’un choc, d’une chute, d’un versement ou d’une collision.

Optional

Total Loss

Optional

Total loss occurs when the vehicle cannot be repaired or repair costs exceed the contractual indemnity value less wreck value. Mini Omnium pays total loss only when caused by fire, theft, glass breakage or natural forces/animal collision; Mini Omnium Plus adds a dedicated Total Loss guarantee covering any accident (including vandalism); Omnium and Omnium Plus cover total loss from any insured peril, including at-fault accidents. A minimum-value guarantee applies before the 73rd month of the vehicle's age.

Clause Art. 7Page 59

Section: Titre 5 - Assurance mini omnium et mini omnium plus > Article 7 Réparations, perte totale et calcul de l’indemnité

Il y a perte totale lorsque le véhicule assuré ne peut plus être réparé ou lorsque le coût des réparations dépasse, au jour du sinistre, la valeur d’indemnisation contractuelle définie ci-dessous, diminuée de sa valeur d’épave.

Optional

Partial Loss / Repair Costs

Optional

Reimburses repair costs, including non-deductible VAT actually borne by the policyholder, for repairable damage under whichever perils are covered by the chosen tier: fire, theft, glass breakage and natural perils for Mini Omnium/Mini Omnium Plus, plus material damage from any accident for Omnium/Omnium Plus.

Clause Art. 7Page 59

Section: Titre 5 - Assurance mini omnium et mini omnium plus > Article 7 Réparations, perte totale et calcul de l’indemnité

Lorsque le dommage causé au véhicule assuré par un sinistre garanti est réparable, l’assureur rembourse le coût des réparations, TVA non déductible incluse, pour autant que l’assuré ait effectivement et définitivement supporté cette taxe.

Optional

Theft / Robbery

Optional

Covers theft and attempted theft of the insured vehicle and its accessories, including theft of the vehicle's keys where this creates an imminent risk of theft; Omnium Plus additionally covers theft of objects transported in the vehicle up to €1,000 per claim. Requires a functioning anti-theft device and a police complaint within 48 hours; excludes theft by family members/employees or theft resulting from mere loss of keys.

Clause Art. 3Page 57

Section: Titre 5 - Assurance mini omnium et mini omnium plus > Article 3 La garantie Vol

L’assureur couvre le véhicule désigné et ses accessoires contre le vol ainsi que les dégâts qui résulteraient d’un vol ou de sa tentative.

Optional

Glass Breakage

Optional

Covers breaking, cracking or scratching of the windscreen, side and rear windows, rear-view mirror glass and glass roofs (including panoramic and sunroofs), except in case of total loss; indemnity covers material and labour based on Belgian catalogue/market prices.

Clause Art. 4Page 58

Section: Titre 5 - Assurance mini omnium et mini omnium plus > Article 4 La garantie Bris de vitres

L’assureur couvre le véhicule assuré, sauf en cas de perte totale, contre le bris, la fêlure ou la griffure du pare-brise, des vitres latérales et arrières, du miroir des rétroviseurs et des toits vitrés (y compris les toits panoramiques et toits ouvrants) du véhicule assuré.

Optional

Natural Perils and Animal Collision

Optional

Covers rockfall, landslide, avalanche, snow pressure, storm, hail, flood, hurricane, tornado, earthquake, volcanic eruption and tidal wave, plus unexpected collision with 'big game' or 'large livestock' animals and damage in the engine compartment caused by an animal that got in.

Clause Art. 5Page 59

Section: Titre 5 - Assurance mini omnium et mini omnium plus > Article 5 La garantie Forces de la nature et Heurts d’animaux

d’éboulement de rochers, de chute de pierres, de glissement de terrains, d’avalanche, de pression d’une masse de neige, de tempête, de grêle, d’inondation, d’ouragan, de tornade, de cyclone, de tremblement de terre, d’éruption volcanique et de raz de marée.

Optional · mini_omnium_plus, omnium, omnium_plus

Vandalism

Optional

Vandalism is explicitly excluded from the Mini Omnium and Mini Omnium Plus fire/theft/glass/natural-perils guarantees, but is covered under Mini Omnium Plus's separate Total Loss guarantee, and is explicitly included in the Material Damage guarantee of Omnium and Omnium Plus (including tyre damage from vandalism if reported to police within 48 hours).

Clause Art. 6Page 72

Section: Titre 6 - Assurance omnium et omnium plus > Article 6 La garantie Dégâts matériels

Dans le cadre de la présente garantie, sont également assurés : 1. les dégâts résultant d’actes de vandalisme;

Covered

24/7 Roadside Assistance (Mobility)

Covered

Free 24/7 breakdown/towing service to a garage of the policyholder's choice, automatically included with the compulsory liability cover regardless of whether an Omnium tier is taken, valid in Belgium, Luxembourg and up to 50 km beyond the Belgian border with neighbouring countries; also brings the driver and passengers home.

Page 7

Section: MOBILITY

Ethias offre à tout assuré ayant souscrit à la garantie Responsabilité civile un service de dépannage gratuit.

Conditional

Replacement Vehicle (Mobility / Mobility Maxi)

Conditional

Basic 'Mobility' replacement vehicle is provided free once liability is undisputed and repairs are carried out by an Ethias-approved repairer, for the repair duration or 6 days on total loss. 'Mobility Maxi' (category A or B vehicle) provides up to 10 days on repair or 30 days on total loss/theft, subject to Ethias's prior agreement; it must be taken out as an explicit option except in Omnium Plus, where it is automatically included.

Clause Art. 2Page 55

Section: Titre 4 - Mobility Maxi > Article 2 Objet de l’assurance

l'assureur (tél. 04 220 34 00) garantit la mise à disposition d’un véhicule de remplacement de la catégorie A ou B : pendant une durée maximale de 10 jours en cas de réparations du véhicule désigné ; pendant une durée maximale de 30 jours en cas de perte totale du véhicule désigné.

Optional

Driver Accident Insurance

€1.5M

Optional guarantee, separate from the Omnium tiers, covering bodily injury or death of the driver in an at-fault or single-vehicle accident, up to €1,500,000 per claim, calculated under ordinary compensation rules.

Clause Art. 2Page 51

Section: Titre 3 - Assurance du conducteur > Article 2 Objet de l’assurance et montant des indemnités

L’assureur garantit pour un montant maximum de 1 500 000,00 euros par sinistre aux bénéficiaires les indemnités correspondant aux préjudices détaillés à l'article 3 ci-dessous.

Key conditions

Driver age and experience limit

For material damage claims, policyholders under 26 years of age face an imposed deductible of €500 regardless of the repairer used, overriding any lower contractual deductible.

Repair network requirements

A zero, or reduced, deductible on material damage claims applies only when repairs are carried out by an Ethias-approved repairer; using a non-approved repairer raises the applicable deductible.

Anti-theft requirements

Unless otherwise agreed in the special conditions, the vehicle must be fitted with a working anti-theft device meeting the VV1 (Assuralia) or IM (INCERT) standard, or an equivalent manufacturer-approved (transponder-type) system, failing which the theft guarantee is forfeited.

Claim notification deadline

Every claim must be reported in writing immediately, and at the latest within 8 days of its occurrence; in case of theft, a police complaint must be filed within 48 hours.

Deductible rules

The applicable deductible is set in the special conditions (typically €0/€500/€1,000 at an Ethias-approved repairer, rising to €500/€1,000/€1,500 at a non-approved repairer); policyholders under 26 always face €500 regardless of repairer; a temporary replacement vehicle carries a deductible increased by €500 versus the vehicle it replaces.

Direct payment

If repairs are carried out by an Ethias-approved repairer, the direct-payment ('tiers payant') arrangement applies and the contractual deductible may be reduced to €0 or waived; using a non-approved repairer increases the applicable deductible.

Territorial scope

Mini Omnium, Mini Omnium Plus, Omnium and Omnium Plus are valid worldwide; the Mobility and Mobility Maxi replacement-vehicle/assistance services are limited to Belgium, the Grand Duchy of Luxembourg and up to 50 km beyond the Belgian border with neighbouring countries.

Documents

General Terms and Conditions – Motor Vehicle Insurance, incl. Mini Omnium/Omnium (French) (opens in a new tab)

Terms & conditions · PDF

General Terms and Conditions – Motor Vehicle Insurance, incl. Mini Omnium/Omnium (Dutch) (opens in a new tab)

Terms & conditions · PDF

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

Product information sheet · PDF

Policy specifics

Mobility Assistance (24/7 Breakdown Service)

Free 24/7 roadside assistance and towing service included automatically with liability insurance; covers transport of driver and passengers to home; available in Belgium, Luxembourg and up to 50 km beyond Belgian borders with neighbouring countries

SourcePage 7

Section: MOBILITY

Ethias offre à tout assuré ayant souscrit à la garantie Responsabilité civile un service de dépannage gratuit.

Minimum Value Guarantee (Garantie Valeur Minimale)

In case of total loss, policyholder receives no less than the actual value of the vehicle (up to 72 months of age); protects policyholder investment after total loss

Source

Section: Quelle est la formule qui vous convient ? > La Mini Omnium

La Garantie valeur minimale protège votre investissement. En cas de perte totale, vous ne percevrez jamais moins que la valeur réelle de votre véhicule (jusqu’au 72 ème mois d’ancienneté).

Fuel Error Coverage

Omnium coverage now includes damages resulting from fuel error (putting wrong fuel type in vehicle)

Source

Section: Quelle est la formule qui vous convient ? > L’Omnium

Nouveauté : Cette garantie inclut également les dommages résultant d’une erreur de carburant.

Franchise (Deductible) Options

If the policyholder is 26 or older and insured under an Omnium formula with no deductible, no deductible is payable when repairs are carried out by an Ethias-approved repairer. Contractual deductibles of €0, €500 or €1,000 applied at an approved repairer rise to €500, €1,000 or €1,500 respectively if repairs are carried out by a non-approved repairer.

SourcePage 2

Section: Y a-t-il des exclusions à la couverture ? > Dégâts matériels

Si le contrat prévoit une franchise de € 0, € 500 ou € 1000 appliquée en cas de réparation auprès d’un réparateur agréé par Ethias, les montants précités sont portés à respectivement € 500, € 1000 et € 1 500 si la réparation est confiée à un réparateur non agréé par Ethias.

Joker Bonus: First Accident Forgiveness

If policyholder has been insured at bonus-malus grade 0 for 5+ years and driven 10+ years without at-fault accidents, first at-fault accident does not negatively impact bonus-malus rating

Source

Mini Omnium Coverage Scope

Mini Omnium (partial casco) covers: fire, theft/break-in, glass breakage, animal collision, natural forces (storm, hail, flood); does NOT cover own damage from at-fault accidents or negligence by unknown third parties; approximately one-third the cost of full omnium

SourceSource no longer reachablePage 6

Section: Les assurances « mini omnium » et « omnium complète » > Cadre général

L’assurance « mini omnium » se compose des garanties incendie, vol, bris de vitres, forces de la nature et heurts d’animaux ;

Full Omnium (Comprehensive) Coverage Scope

Full Omnium covers all Mini Omnium perils PLUS own damage from accidents even if policyholder is at fault; includes vandalism coverage; also covers own material damage and total loss indemnification when responsible party unknown

SourceSource no longer reachablePage 6

Section: Les assurances « mini omnium » et « omnium complète » > Cadre général

L’assurance « omnium complète » comprend en plus des garanties énoncées ci-dessus, la garantie dégâts matériels.

Mini Omnium Plus Coverage Extension

Mini Omnium Plus combines Mini Omnium basic protections PLUS adds indemnification for total loss (perte totale) of vehicle; bridges gap between partial and full coverage

Source

Section: Welke formule past bij jou? > Mini Omnium Plus

De Mini Omnium Plus omvat alle hierboven opgesomde dekkingen in de formules Burgerlijke Aansprakelijkheid en Mini Omnium, alsook: Het totaal verlies van het voertuig, zelfs als je in fout bent.

Approved Repair Network (Recognized Repair Shop)

For zero-franchise omnium policies, repairs must be performed at an Ethias-recognized repair shop; policyholders can choose between Ethias-recognized network or independent shops but may incur franchise if using non-network

Source

Vehicle Valuation Method

Vehicle insured at invoice/purchase value; if no invoice available, Ethias uses market value assessment; vehicle value retained at 100% for first 12 months, then depreciates at 18% per year; extended value retention available (100% to 30 months) for additional premium

Source

Territorial Coverage and Geographic Limitations

Omnium guarantees (Mini/Full) valid worldwide; Liability and Legal Protection valid in all countries per certificate of insurance; Mobility assistance limited to Belgium, Luxembourg and max 50 km beyond Belgian borders with neighbouring countries; Driver insurance covers EU countries plus Andorra, Iceland, Liechtenstein, Morocco, Monaco, Norway, Serbia, Turkey, Vatican, UK, Switzerland

SourcePage 3

Section: Waar ben ik gedekt?

Verzekering van de bestuurder: België, de landen van de Europese Unie, Andorra, Ijsland, Liechtenstein, Marokko, Monaco, Noorwegen, San Marino, Servië, Turkije, Vaticaanstad, Verenigd Koninkrijk en Zwitserland.

Policy Renewal and Cancellation Terms

Annual contract automatically renewed unless cancelled by either party; policyholder can cancel at least 2 months before annual renewal date; after 12 months coverage, can cancel anytime with 2 months notice; insurer must provide 90 days notice before rate/condition changes; insurer can cancel if non-payment occurs (notice required) or risk aggravation detected

SourceClause Art. 27Page 20

Section: Titel 1.1 > Afdeling 6 > Artikel 27 Opzeggingsmogelijkheden voor de verzekeringnemer

Na twaalf maanden dekking kan de verzekeringnemer het contract op elk ogenblik opzeggen. De opzegging gaat in dat geval pas twee maanden na de kennisgeving in.

Claims Notification and Reporting Procedures

Policyholder must report claim within timeframe specified in conditions (typically within days); must agree to all cost-generating measures with insurer beforehand; for accidents in Belgium, Luxembourg or max 50 km beyond borders, call 011 28 24 00 for immediate free assistance (24/7); insurer expert determines damage scope and total loss status; Ethias may use salvage recovery (recourse) rights

Source

Utmost Good Faith Disclosure Requirement

At contract conclusion, policyholder must accurately and completely disclose all circumstances known to affect risk assessment; during contract, must notify insurer of changes (vehicle characteristics, usage, regular drivers, address change, etc.) within required timeframe; failure to disclose material facts may result in coverage denial or contract termination

SourceClause Art. 2Page 11

Section: Titre 1 - Responsabilité civile > Titre 1.1 > Article 2 Données à déclarer

Le preneur d’assurance a l’obligation de déclarer précisément, lors de la conclusion du contrat, toutes les circonstances qui lui sont connues et qu’il doit raisonnablement considérer comme constituant pour l’assureur des éléments d’appréciation du risque.

Sources