Verzekeringen NV (trading as Sure / Sure.be)
Sure
Sure is a motor casco insurance for the Belgium market with online purchase and 24/7 assistance.
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.
Geographic scope
Belgium (nationwide)
Civil Liability and (Mini-)Omnium coverage are valid in the countries listed on the insurance card (green card); other coverages may have different territorial restrictions per the general conditions.
Unique selling points
- 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.
- 24/7 telephone claims assistance line for accident reporting and first-aid organisation.
Coverage limits
Own damage (at-fault accident)
Conditional
Only in Full Omnium
Only the Full Omnium tier covers damage to the insured's own vehicle caused by an accident where the policyholder is at fault; Mini Omnium excludes this cover. Repair costs can never exceed the actual value of the vehicle.
Total loss
Covered
Total loss resulting from an insured peril is covered under both Mini Omnium and Full Omnium; compensation is based on the actual value of the vehicle, with a monthly depreciation (amortisation) applied depending on the formula chosen.
Partial loss / repair costs
Covered
Repair costs following an insured peril (fire, glass, theft, natural forces) are covered under Mini Omnium and Full Omnium; repair costs can never exceed the actual value of the vehicle.
Theft
Covered
Theft of the vehicle is a covered peril under both the Mini Omnium and Full Omnium tiers.
Glass breakage
Covered
Glass breakage (bris de glace) is a covered peril under both Mini Omnium and Full Omnium.
Natural perils (hail, fire, etc.)
Covered
Unforeseen events such as fire and hail are covered perils under both Mini Omnium and Full Omnium.
Vandalism
No limit stated
Vandalism cover is not explicitly named in the NN CAR Insurance IPID or general conditions for this product.
Roadside assistance (Belgium and/or abroad)
Optional
Assistance in Belgium and/or abroad in case of breakdown is offered as a separate optional cover, listed in the IPID's optional insurances.
Replacement vehicle
No limit stated
Not confirmed as a specific NN/Sure omnium benefit in the provided sources; the NN IPID and general conditions do not mention a replacement vehicle benefit or duration for this product.
Driver accident insurance (Conducteur+)
€1,500,000
The optional Conducteur+ cover compensates medical costs or loss of salary in case of incapacity to work following an at-fault accident, up to 1,500,000 euros; death is also covered.
Key conditions
Driver age and experience limit
The insurance is intended for individuals and legal entities aged 18 or over with their main residence in Belgium.
Repair network requirements
Not specified in the available sources.
Territorial scope
Civil Liability and (Mini-)Omnium coverage are valid in the countries listed on the insurance card.
Anti-theft requirements
Not specified in the available sources.
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.
Where to buy
Policy specifics
Replacement vehicle during repair
Replacement vehicle provided during repair time at an insurer-recognized repair shop
SourceReplacement vehicle in case of theft
Replacement vehicle provided for up to 30 days in case of vehicle theft
SourceCoverage territory
Civil Liability and Mini/Full Omnium coverage valid in countries listed on the insurance card
Source