Aedes Casco (own-damage car insurance) (Casco Polair P30 P60)

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.

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.

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.

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.

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.

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 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).

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.

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.).