Sure Casco (own-damage car insurance) (Sure Omnium)

Bundling discount of 5% on NN Car Insurance (all coverages) for a second insured car.

40% discount on Civil Liability for a motorbike or moped when combined with car insurance for the same habitual driver.

Optional Conducteur+ cover compensates the driver up to 1,500,000 euros for medical costs, loss of salary or death after an at-fault accident.

Optional 'Pertes indirectes' cover pays an extra 10% compensation in case of total loss.

Driver age and experience limit

The insurance is intended for individuals and legal entities aged 18 or over with their main residence in Belgium.

Claim notification deadline

Claims must be reported as soon as possible and at the latest within 8 days from the moment the policyholder becomes aware of the incident.

Deductible rules

The deductible for the optional Omnium cover is at least 400 euros; repair costs can never exceed the actual value of the vehicle, and a monthly depreciation (amortisation) applies in the event of total loss depending on the formula chosen.

Direct payment

When policyholders use NN/Sure's approved repairer network (e.g. via the ING-distributed NN Non-life product), the insurer settles the repair invoice directly with the network garage rather than requiring the customer to pay upfront, and using the network also grants a discount on the deductible. As noted for the ING-distributed NN product: "U moet beroep doen op het erkende netwerk van herstellers van ING, wat u ook recht geeft op een korting op de franchise van 150€," with the mobility/replacement-car guarantee detailed on p.29 of the general terms of the NN-underwritten car insurance.