P&V Assurances - P&V Verzekeringen CV
P&V
P&V is a motor casco insurance for the Belgium market with online purchase and 24/7 assistance.
Direct payment
Repairs at a P&V-approved garage entitle the policyholder to a reduced deductible and a free replacement vehicle for the full duration of the repair; independent repairers can also be chosen but without these benefits.
Geographic scope
Belgium (nationwide)
Coverage applies in Belgium and in all countries listed on the insurance certificate (formerly the green card).
Unique selling points
- Four out of the five core omnium guarantees (glass breakage, fire, natural perils and theft) carry zero deductible.
- Free replacement vehicle for the entire repair duration when repaired at a P&V-approved garage, plus a reduced deductible.
- Cumulative premium discounts: 10% for non-diesel vehicles, 5% for EV/hybrid, 5% for ADAS safety technology and 15% for garage/carport parking.
- Unique degressive omnium formula for vehicles 2 years and older, where the premium decreases each year in line with the vehicle's declining value.
- 100% catalogue value guarantee on total loss for a chosen period of 6, 12 or 24 months.
Coverage limits
Own material damage
Conditional
Only in mini-omnium, full omnium
Covers damage to the insured vehicle caused by the policyholder's own fault (e.g. an accident without a third party, or vandalism). Only included in the classic 'full' omnium; not covered under the mini-omnium.
Total loss / agreed value guarantee
100% of insured sum
Only in mini-omnium, full omnium
In case of total loss, the vehicle is insured for a first period at 100% of its catalogue (or invoice) value; the policyholder chooses this period to be 6, 12 or 24 months, after which the insured value decreases gradually.
Partial damage (material damage guarantee)
Conditional
Only in full omnium
Repair costs for partial damage to the vehicle caused by the policyholder's own responsibility are covered under the material damage guarantee, available only in the full omnium formula.
Theft / attempted theft
Conditional
Only in mini-omnium (optional), full omnium (included)
Covers theft or attempted theft of the vehicle, including carjacking. Always included in the classic 'full' omnium, but only available as an optional add-on within the mini-omnium formula.
Glass breakage
Covered
Only in mini-omnium, full omnium
Covers cracks or (complete) breakage of the windscreen, side windows or panoramic roof, with zero deductible, included in both the mini-omnium and full omnium.
Natural perils and animal collision
Covered
Only in mini-omnium, full omnium
Covers damage caused by storm, hail, flooding, falling rocks or landslides, as well as collision with an animal; included with zero deductible in both mini-omnium and full omnium.
Vandalism
Conditional
Only in full omnium
Covers damage to the insured vehicle caused by acts of vandalism. Included only in the full omnium (as part of the material damage guarantee) and not covered under the mini-omnium; a deductible applies, as vandalism is not one of the four zero-deductible guarantees.
Roadside assistance
Optional
Only in mini-omnium, full omnium
P&V Bijstand offers three separately subscribable assistance formulas (accident, breakdown, theft) covering people and the vehicle; not automatically included with omnium, must be added separately.
Replacement vehicle
Conditional
Only in mini-omnium, full omnium
A replacement vehicle is provided free of charge for the entire duration of the repair, on condition that the repair takes place at a P&V-approved garage.
Driver accident cover
No limit stated
No P&V Auto Omnium source describes a specific driver-accident (bodily injury to the driver) guarantee within this product.
Key conditions
Driver age and experience limit
No explicit minimum driver age/experience requirement for omnium eligibility is stated; drivers under 26 who install the P&V Go Box receive a discount on both BA and full omnium premiums.
Repair network requirements
Policyholders may repair at any garage, but using a P&V-approved garage gives a reduced deductible and a free replacement vehicle for the full repair duration.
Territorial scope
Coverage is valid in all countries stated on the insurance certificate (formerly the green card).
Anti-theft requirements
No specific anti-theft device requirement is stated in the reviewed P&V Auto Omnium sources.
Claim notification deadline
No specific claim notification deadline for the omnium product is stated in the reviewed sources.
Deductible rules
Four of the five main omnium guarantees (glass breakage, fire, natural perils/animal collision, theft) carry zero deductible; only the material damage guarantee (own damage/vandalism, full omnium only) has a deductible, chosen as either a classic deductible (3 levels) or an English deductible, and adjustable per vehicle.
Where to buy
Policy specifics
Fire damage
Coverage for damage caused by fire, explosion, electrical short circuit, or lightning strike
SourceTheft coverage
Not established from the insurer's documents
Coverage for vehicle theft, attempted theft, carjacking, and homejacking. Optional add-on for mini-omnium.
Own material damage (full omnium only)
Coverage for damage to the insured vehicle caused by the policyholder (accident causing own fault, vandalism). Only in full omnium, not mini-omnium.
SourceApproved repair network condition
Not established from the insurer's documents
Policyholder may choose to repair at a P&V-approved garage or independent repair shop. Using P&V-approved garage provides reduced deductible benefit. Replacement vehicle coverage during repair is conditional on repairs at P&V-approved garage.
Deductible selection
Policyholder can choose between classic deductible (3 levels) or English deductible option. For material damage warranty, deductible can be adapted based on vehicle.
SourceVehicle age eligibility
Coverage available for cars up to 8 years old. Degressive premium option available for vehicles 2 years and older.
SourceInsured value basis
Policyholder can choose insured value based on catalogue value or invoice value of vehicle
SourceContract duration and renewal
Insurance contract concluded for one year with silent/automatic renewal for same period unless policyholder or insurer opposes.
SourceGeographic coverage
Not established from the insurer's documents
Coverage valid in Belgium and all countries mentioned on the insurance certificate (former green card/verzekeringsattest)