P&V
P&V is a motor casco insurance for the BE market with no online purchase and 24/7 assistance.
Direct payment
P&V pays the insured directly for covered damage without first establishing liability. In case of total loss or theft, compensation is based on the agreed or actual value as specified in the contract. Repairs are paid directly upon submission of the claim and supporting documents, subject to the applicable deductible for own damage (materiële schade).
Geographic scope
BE
Countries listed on the insurance certificate (former green card / verzekeringsattest). Coverage valid in Belgium and all countries mentioned on the certificate.
Unique selling points
- 100% vehicle value guaranteed for up to 24 months with no depreciation, covering new and second-hand cars regardless of fault.
- Four out of five key warranties (glass, fire, natural perils, theft) carry zero deductible – only own material damage attracts a franchise.
- P&V's legal assistance via Arces (Artikel 1) has won the Decavi award for best Auto Legal Assistance in Belgium 12 consecutive years, with coverage up to EUR 125,000.
- Electric vehicle battery fire costs are fully covered (including water-tank immersion), and breakdown assistance includes towing to nearest charging point in Belgium.
- Loyalty discount of 10% on omnium premium lasts for the entire duration of the contract as long as the vehicle is retained – not limited to the first year.
Coverage limits
Own material damage (Stoffelijke schade / Matériaux schade)
Covered
Covers damage caused by the insured to their own vehicle, including damage from at-fault accidents, hit-and-run, vandalism, and disputed accidents. Included in full omnium only; not covered under mini-omnium. Vehicle insured at 100% of value for 6, 12, or 24 months, then declining value thereafter. Deductible (franchise) applies only to this coverage; 3 classic levels or English franchise available.
SourceTotal loss
Covered
In case of total loss, the insured is compensated based on the agreed value (aangenomen waarde) or actual value (werkelijke waarde), as chosen at contract inception. Vehicle insured at 100% for 6, 12, or 24 months; thereafter declining by approximately 1% per month or according to a depreciation coefficient. Three calculation principles apply: actual value (determined by expert), agreed value (starting at 100% of catalogue price, declining monthly at 1% or 1.5% after the guaranteed period), or invoice/catalogue value as chosen.
SourcePartial loss / repair costs
Covered
Repair costs for partial damage are covered under both full omnium and mini-omnium for the relevant perils (glass, fire, natural perils, theft, and – in full omnium – own damage and vandalism). Towing, storage, repatriation, and vehicle expertise costs are additionally reimbursed up to EUR 1,250 excl. VAT. Deductible applies only for own damage (materiële schade).
SourceTheft and theft attempt (including carjacking and homejacking)
Covered
Covers disappearance, damage, and vandalism resulting from vehicle theft or attempted theft, including carjacking and homejacking. In the mini-omnium, theft coverage is optional (not included by default). In the full omnium, theft is included as standard. No deductible applies to this warranty. A replacement vehicle is provided through the assistance formula for up to 30 days in case of theft.
SourceGlass breakage (Glasbreuk / Bris de glace)
Covered
Covers cracks, chips, or full breakage of windshield, side windows, rear window, and panoramic roof/glass roof. Included in both mini-omnium and full omnium. No deductible applies. A 15% discount is available on the glass, theft, and natural perils premiums if the vehicle is parked in a garage or carport at night.
SourceNatural perils and animal collisions (Natuurkrachten en dieren / Forces de la nature et animaux)
Covered
Covers damage caused by natural disasters such as landslides, severe storms (wind > 80 km/h), hail, falling rocks, earthquakes, flooding, as well as unexpected collisions with animals. Included in both mini-omnium and full omnium. No deductible applies.
SourceVandalism
Covered
Covers damage caused by vandalism to the insured vehicle. Included in the full omnium only; not covered under the mini-omnium. No deductible applies to vandalism specifically; deductible only applies to the own material damage warranty. Police report within 24 hours required to benefit from deductible waiver on vandalism.
SourceRoadside assistance / Breakdown assistance (Pechbijstand)
Optional
Three separately selectable assistance formulas: (1) Accident assistance, (2) Breakdown assistance, and (3) Theft assistance. No deductible applies to any assistance warranty. 24/7 helpline at 02/229.00.11. For electric vehicles, breakdown assistance covers charging issues: the vehicle is brought to the nearest charging station in Belgium or abroad. Basic accident assistance is included as standard in the BA (liability) policy.
SourceReplacement vehicle (Vervangwagen / Véhicule de remplacement)
Optional
A replacement vehicle is available through the P&V assistance formulas (Accident, Breakdown, and Theft assistance). Duration varies: up to 30 days in case of theft; during the full repair period for partial damage when repairs are done at a P&V-recognized garage; and for a limited period in case of total loss. An upgrade option allows a vehicle of the same category as the insured's own vehicle.
SourceDriver accident protection (Bestuurdersverzekering / Protection du conducteur)
Optional
Not covered under the omnium policy itself. A separate optional 'Bescherming van de bestuurder' (driver protection) add-on is available covering the driver's own bodily injury: medical costs, temporary disability (from month 2, from 10% incapacity), permanent invalidity (from 8%), and death benefits. Three formulas with compensation ceilings between EUR 2,500 and EUR 1,250,000. No deductible applies to the driver protection warranty. BOB (designated driver) warranty included, valid in Belgium and Luxembourg.
SourceKey conditions
driver_age_experience_limit
No explicit minimum driver age stated for the standard omnium product; however, drivers under 26 years benefit from the P&V Auto Jr. product with accelerated bonus-malus decline (2 grades/year for first 3 years or until age 26) and premium discounts. Young drivers can install a P&V Go Box telematics device for additional premium discounts. The P&V Go Box also provides impact detection and immediate assistance.
repair_network_requirements
The insured may choose to have their vehicle repaired at a P&V-recognized (approved) garage or at an independent repair shop. Choosing a P&V service garage (recognized repair shop) entitles the insured to a reduced deductible on the own material damage warranty. Replacement vehicle coverage during repair is conditional on repairs being performed at a P&V-recognized garage.
territorial_scope
Coverage applies for claims occurring in Belgium and in all countries listed on the insurance certificate (former green card / verzekeringsattest). The insured should check the certificate before traveling abroad. Coverage does not apply in countries not listed on the certificate.
anti_theft_requirements
All anti-theft systems installed in the vehicle must be activated at the time of theft for the theft warranty to apply. For theft abroad, police report must be filed within 24 hours of discovering the theft, and additionally at Belgian police within 8 days of return if the vehicle is not recovered. All vehicle keys, keyless start systems, and remote controls must be provided to P&V following a total theft.
claim_notification_deadline
Claims must be reported promptly. For theft, police report must be filed within 24 hours of discovery. General claims should be reported as soon as possible in writing. The contract is annual with tacit renewal; cancellation must be notified at least 2 months before the annual expiry date by the insured, or at least 3 months before by the insurer.
deductible_rules
A deductible (franchise) applies only to the own material damage warranty (Materiële schade) under full omnium. For four other warranties (glass, fire/brand, natural perils, theft), no deductible applies. The insured may choose from three levels of classic deductible (the exact amounts depend on the insured vehicle value) or an English franchise (if repair cost exceeds the franchise threshold, 100% of the claim is paid; if below, nothing is paid). A reduced deductible is granted when repairs are performed at a P&V-recognized service garage. Within the P&V Family Plan, an additional deductible discount may apply (subject to bonus-malus ≤ 0 and recognized garage repair).
Where to buy
Documents
IPID-fiches P&V – Informatiedocument Motorrijtuigenverzekering P&V Auto 010/1295 (januari 2025) – NL
ipid
Fiches Info Assurance P&V – Document d'information Assurance Auto P&V 010/1295 (janvier 2025) – FR
ipid
Algemene Voorwaarden P&V Autoverzekering (NL)
terms_and_conditions
Conditions Générales P&V Assurance Auto (FR)
terms_and_conditions
P&V Infofiches – Index of all product information documents including motor
other
Policy specifics
Breakdown assistance
24/7 roadside assistance for breakdowns, accidents, and related incidents
Legal assistance
Coverage for legal defense and administrative assistance following accidents or traffic violations
Glass breakage
Coverage for windshield and window damage caused by impact or vandalism
Theft protection
Coverage for vehicle theft and theft attempts; includes replacement vehicle benefit
Deductible (franchise)
Amount paid by insured in case of claim; varies by vehicle value and coverage type
Recognized repair network
Option to use P&V approved repair shops or independent repair shops
Young driver special coverage
Specific insurance product for drivers under 26 years with premium discounts
Bonus-malus no-claims system
Premium adjustment based on driving record; bonus when claim-free, malus when at-fault claims occur
Electric vehicle specific coverage
Specialized coverage for electric and hybrid vehicles with identical deductibles to fuel vehicles