Aedes NV/SA (mandated underwriter of the Monceau Assurances group in Belgium), with life insurance activities carried out via Vitis Life S.A. – Belgian Branch
Aedes
Aedes is a motor casco insurance for the Belgium market with no online purchase and 24/7 assistance.
Direct payment
Direct payment to the repair garage may be arranged by Aedes; otherwise the policyholder must submit a repair estimate for prior approval, except for urgent repairs under €750 incl. VAT justified by a detailed invoice.
Geographic scope
Belgium (nationwide)
Omnium, driver and vehicle-assistance cover apply in the countries listed on the insurance certificate (green card); legal-protection and personal-assistance cover apply worldwide.
Unique selling points
- Aedes offers the most extensive motor legal-protection cover on the Belgian market and matches, on first request, any competing insurer's broader settlement.
- Hybrid and electric vehicles benefit from up to €5,000 cover for battery fire-safety measures under the Omnium guarantee, a protection not commonly included by competitors.
- A free 24/7 first-assistance service (towing to the garage of choice and transport of occupants) is automatically included with the mandatory RC guarantee, even without opting for the extended Bijstand Auto cover.
Coverage limits
Material Damage (Own Damage)
€13,200 – €123,750
Only in Omnium Complète / Volledige Omnium
Covers damage to the insured vehicle following a rollover, fall, collision or accidental contact, including loading/unloading, misfuelling (mechanical damage only) and vandalism. Only included under Full Omnium (Omnium Complète/Volledige Omnium); excluded under Limited Omnium. Indemnity is based on the invoice value with a degressive scale (100% up to month 36, 90% up to month 60, 80% up to month 72, then actual value), capped by a parking-band ceiling ranging from €13,200 to €123,750 depending on the parking category and ceiling level.
Total Loss
€13,200 – €123,750
Only in Omnium Limitée, Omnium Complète
Applies when the vehicle is technically irreparable, repair costs exceed its pre-claim value, or a stolen vehicle is not recovered within 30 days of the theft report. Indemnity equals the pre-claim value determined via the invoice-value method (degressive scale, capped from €13,200 to €123,750 per the parking-band table) or the actual-value method, minus the wreck value unless waived in writing in favour of Aedes.
Partial Loss (Repair Costs)
Optional
Only in Omnium Limitée, Omnium Complète
For partial damage, indemnity is based on repair costs plus non-recoverable VAT; Aedes may pay the repair garage directly. No separate monetary ceiling applies beyond the vehicle's own pre-claim value cap — if repair costs would exceed that value, the claim is instead treated as a total loss.
Theft / Robbery
€13,200 – €123,750
Only in Omnium Limitée, Omnium Complète
Covers theft or attempted theft of the insured vehicle and its options by break-in, physical or psychological violence against the rightful holder, or burglary of the policyholder's home or any building where the vehicle keys were kept. Key and lock replacement after key theft is also covered. Included under both Limited and Full Omnium; indemnity follows the same invoice/actual-value method and parking-band ceilings (€13,200–€123,750) as for total loss.
Glass Breakage
Optional
Only in Omnium Limitée, Omnium Complète
Covers repair or replacement of the windscreen, side and rear windows and the roof. No monetary ceiling is stated for this cover; excludes headlight, taillight and mirror glass, glass damage at total loss, and electric window-opener repairs with no glass damage. Included under both Limited and Full Omnium.
Natural Perils & Wildlife Collision
€13,200 – €123,750
Only in Omnium Limitée, Omnium Complète
Covers damage directly caused by flood, storm, hail, hurricane, tornado, rockslide, landslide, avalanche, snow/ice mass, cloudburst, volcanic eruption or earthquake, plus collision with wildlife/free-roaming animals not owned by the insured (police report within 48 hours) and damage from animals entering the engine compartment. Included under both Limited and Full Omnium, subject to the same parking-band ceilings (€13,200–€123,750) as total loss.
Vandalism
€13,200 – €123,750
Only in Omnium Complète / Volledige Omnium
Vandalism damage is covered as part of the Material Damage guarantee, only available under Full Omnium (not Limited Omnium). Must be reported within 48 hours of occurrence or discovery. Subject to the same parking-band ceilings as other Material Damage claims (€13,200–€123,750).
Roadside Assistance
Covered
Only in RC extension (included), Bijstand Auto (optional upgrade)
A first roadside-assistance service after an accident (towing to the garage of your choice and transport of occupants) is automatically included free of charge, 24/7, as an extension of the mandatory RC guarantee, valid in Belgium or within 30 km beyond the border. A separate optional Bijstand Auto guarantee extends assistance worldwide (in countries covered by the certificate) to all technical incidents (breakdown, theft, vandalism, animal damage, fire), including towing, hotel costs abroad (up to €65/night, max €650) and message relay.
Replacement Vehicle
Optional
Only in Bijstand Auto
Under the optional Bijstand Auto guarantee, a category B replacement vehicle (1,300–1,400 cc) is provided via a rental partner when the insured vehicle is immobilised, for max. 7 consecutive days in Belgium (technical incident excl. theft), 5 days abroad, or 30 days in case of theft. Conditional on prior use of Aedes Bijstand for towing and on the rental company's own conditions (age, licence, credit-card deposit, etc.).
Driver Accident Cover
€500,000
Only in Pack Tranquillité - Conducteur
Optional guarantee (part of the Pack Tranquillité) compensating the bodily injury of the authorised driver or, on death, the driver's heirs, regardless of fault. If the driver is over 30, compensation follows common-law rules capped at €500,000 per claim (interest and costs included). If under 30, compensation follows a fixed scale (€25,000 death capital; €500/€750/€1,000 per % invalidity depending on bracket; up to €5,000 treatment costs over 3 years; up to €500 for clothing).
Key conditions
Driver age and experience limit
The P50/P50² variant is designed for drivers aged 50 to 59. Across the product line, a flat €250 deductible applies to the RC guarantee for any claim where the vehicle was driven by a person under 25 years old.
Repair network requirements
Before having the vehicle repaired, the policyholder must submit a repair estimate to Aedes, except for urgent, unavoidable repairs costing no more than €750 incl. VAT and justified by a detailed invoice. Direct payment to the repair garage may be arranged.
Territorial scope
The Omnium (casco), driver, and roadside-assistance guarantees apply in the countries covered by the vehicle's insurance certificate (green card); the legal-protection and personal-assistance guarantees apply worldwide.
Anti-theft requirements
Theft cover is excluded if the vehicle was left unattended with doors, boot, roof or windows unlocked, with the keys or remote control left in or on the vehicle, or with a required security system (including satellite tracking) absent or not properly activated, unless the vehicle was inside a locked individual garage that was broken into.
Claim notification deadline
Every claim must be reported in writing to Aedes immediately and at the latest within 8 days of its occurrence. Theft, vandalism and wildlife-collision claims must additionally be reported to the competent police authority within 48 hours.
Deductible rules
The deductible applicable to the Material Damage (Dégâts Matériels) cover is set out in the special conditions of the policy. A separate flat deductible of €250 applies to the RC guarantee whenever the vehicle is driven by a person under 25 years old.
Policy specifics
Pack Tranquility
Optional bundled coverage combining driver protection, legal protection auto, and vehicle assistance
SourceOmnium Complete or Limited
Optional comprehensive casco coverage with choice between full omnium (fire, theft, natural perils, glass) and limited omnium (fire, theft, natural perils only)
SourceYoung Driver Coverage (Age 18-24)
Specialized P-Jeune and P-Jeune+ products with specific conditions for drivers aged 18-24, requiring parental policy presence in some cases
SourceVehicle age less than 15 years
P+ Auto contracts are limited to vehicles with first registration date less than 15 years ago
SourceMinimum 5 years driving experience and license holding
Driver must hold a valid license for minimum 5 years and demonstrate 5 years driving experience
SourceNo RC at-fault claims and no total loss or theft within 5 years
Applicant must demonstrate absence of at-fault RC claims and absence of total loss or theft claims within past 5 years; maximum one property damage claim over €2,500 allowed
SourceDirect settlement with approved repair shops
P+ Auto claims may provide direct payment to authorized repair network or reimbursement to policyholder
Source