Reviewed from source documents

Federale Insurance / Federale Assurance-Verzekering, Mutual Insurance Association

Federale

Federale is a motor casco insurance for the Belgium market with no online purchase and 24/7 assistance.

Last verified Aug 26, 2026Reviewed by: Boleron EUTerms & conditions: 2025-04Underwritten by: Federale Verzekering / Fédérale Assurance

24/7 helpline

Direct payment

The premium is payable annually upon receipt of a payment invitation from the insurer; a split (fractioned) premium is possible under certain conditions and involves additional costs.

Geographic scope

Belgium (nationwide)

Material damage (accessory risks), legal protection and driver insurance apply in all EU countries, the UK, Andorra, Monaco, Vatican City, Iceland, Liechtenstein, Norway, Serbia, San Marino, Switzerland, Morocco, Tunisia, Turkey, Albania, Bosnia-Herzegovina, North Macedonia and Montenegro (countries shown on the insurance certificate); FEDERALE Assistance Auto applies only in Belgium and within 50 km beyond the Belgian border.

Unique selling points

Coverage can reach up to 100% of the vehicle's value, regardless of who was at fault in the accident.
Flexible indemnification formulas let policyholders choose between real value, agreed value, or the Omnium FixValue24 formula with no depreciation for 24 months.
Non-recoverable VAT, registration tax, and an installed anti-theft system are insured at no additional premium.
A number of risks are covered without any deductible being applied.

Coverage limits

Own damage coverage

100% of insured sum

Only in Omnium

The Omnium guarantee indemnifies material damage to the insured passenger car regardless of fault, and can cover up to 100% of the vehicle's value.

Total loss indemnification

100% of insured sum

Only in Omnium, Omnium FixValue24, Valeur Agréée

In case of total loss for passenger cars, the vehicle is indemnified without loss of value for the first 12 months (catalogue value, Valeur Agréée formula) or the first 24 months (invoice value, Omnium FixValue24 formula); thereafter value decreases by 1% per month until month 60, after which indemnification is based on real value plus 15%.

Partial material damage

Covered

Only in Omnium, Assurance Dégâts Matériels

Partial material damage to the insured vehicle is covered under the Dégâts Matériels/Omnium guarantees, subject to a percentage-based franchise specified in the special conditions.

Theft coverage

Covered

Only in Omnium, Petite Omnium, Assurance Incendie + Vol

Theft and attempted theft of the insured vehicle are covered under the Assurance Incendie + Vol, Petite Omnium and Omnium guarantees; theft/attempted theft also triggers FEDERALE Assistance Auto.

Glass breakage

Covered

Only in Omnium, Petite Omnium

Glass breakage on the insured vehicle is covered under Petite Omnium and full Omnium.

Natural perils and animal collisions

Covered

Only in Omnium, Petite Omnium

Damage caused by natural forces and collisions with animals is covered under Petite Omnium and full Omnium.

Vandalism coverage

Covered

Only in Omnium

Vandalism is one of the events (alongside accident, fire and theft) that triggers FEDERALE Assistance Auto, and related material damage falls under the full Omnium guarantee.

FEDERALE Assistance Auto

Covered

Only in Garanties de base

FEDERALE Assistance Auto is a base guarantee for cars and vans, triggered in the event of accident, fire, theft, attempted theft or vandalism; assistance for a simple mechanical breakdown of the vehicle is explicitly not covered.

Replacement vehicle

No limit stated

No official Federale source confirms specific replacement-vehicle terms or limits for the Omnium product.

Driver insurance (Assurance du conducteur)

€500,000

Only in Assurance du conducteur

Optional driver insurance indemnifies death or bodily injury of the driver, excluding moral damage, with intervention limited to 500,000 EUR per claim; excludes incidents where the driver was entrusted the vehicle for professional activity.

Key conditions

Driver age and experience limit

There is no explicit minimum driver age to purchase Omnium; however, a percentage-franchise reduction requires the policyholder to be at least 30 years old with a bonus-malus rating ≤3, and the CombiSave discount requires the main habitual driver to have at least 1 year of driving experience with no at-fault claim in the last 5 years.

Repair network requirements

A reduced or waived franchise applies only when the vehicle is repaired at a repair workshop accredited by Federale Assurance following the accident.

Territorial scope

Accessory risks (material damage), legal protection and driver insurance apply in the EU and a list of associated countries shown on the insurance certificate, while FEDERALE Assistance Auto is limited to Belgium and 50 km beyond the border.

Anti-theft requirements

No mandatory anti-theft device installation requirement is stated for the personal Omnium product; where an anti-theft system is present, it is insured without additional premium.

Claim notification deadline

The policyholder must report any claim, together with its circumstances, within the period specified in the general conditions; no specific number of days is stated in the IPID.

Deductible rules

A percentage-based franchise applies to material damage claims, typically 2.5% of the insured value (capped at €1,250), reducible to 1.25% for policyholders aged 30+ with bonus-malus ≤3 who repair at an accredited network, with a further optional 0% franchise available for an extra premium above a €500 minimum repair cost.

Documents

IPID - Motor Vehicle Insurance

IPID

Policy specifics

Franchise (Deductible) percentage

Federale applies a percentage-based franchise on material damage claims, typically 2.5% of the insured value (capped at €1,250) or 10%, with potential reduction to 1.25% under certain conditions

FixValue24 Agreed Value coverage

Optional coverage maintaining vehicle value at 100% of agreed/catalog value for 24 months after total loss, after which depreciation applies at 1% per month for 4 years, then 15% increase on real value thereafter

Accredited repair network requirement

Reduced or waived franchise applies only when vehicle is repaired at a repair workshop accredited by Federale Assurance

Legal protection guarantee

Optional legal protection guarantee intervenes up to 20,000 EUR per claim to defend policyholder rights in criminal defense, amicable settlement or civil judicial proceedings resulting from use of the insured vehicle.

Good driver bonus-malus condition

Multiple franchise reductions and special terms apply only to policyholders aged 30+ with bonus-malus rating ≤ 3 at policy inception

Contract renewal notice period

Omnium is a one-year contract with automatic renewal; consumer must give notice of non-renewal at least 2 months before expiry; insurer must give 3 months notice to decline renewal

Exclusion for intoxicated driver

Omnium coverage does not cover damage occurring when driver is in state of intoxication or alcoholic intoxication

Mini Omnium (Partial Omnium) variant option

Mini Omnium is available as lower-cost alternative covering only fire, theft, glass breakage, and damage from natural forces and animal collisions (excludes accident damage)

Sources