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

Covers destruction (total loss) or partial damage to the insured vehicle caused by an accident, vandalism, malicious acts of third parties, or transport (including loading/unloading). Total loss is covered under Omnium Essentium and Full Omnium; partial damage is covered only under Full Omnium. Indemnity is based on actual value or agreed value, not a fixed sum; a deductible set in the Special Conditions applies, waived if a fully identified and liable third party exists.

Covers total loss of the vehicle when it is technically irreparable, repair costs (incl. non-recoverable VAT) exceed actual value less wreck value, or a stolen vehicle is not recovered within 30 days of the police report. Indemnified in actual value or agreed value (no fixed sum). Vehicle registration tax (BIV) is refunded up to €1,500, on a sliding scale from 100% (under 1 year old) down to a floor of €62 (10+ years old). Available under Omnium Essentium and Full Omnium; not available under Mini Omnium.

Covers partial damage to the insured vehicle (any damage not resulting in total loss) caused by accident, vandalism, malicious acts of third parties, or transport. Reimburses repair cost plus non-recoverable VAT. Only available under Full Omnium; not covered under Mini Omnium or Omnium Essentium.

Covers disappearance, destruction, or partial damage from theft or attempted theft (including carjacking and homejacking) of the vehicle or its fixed accessories, without deductible. Also covers lock replacement/re-coding after key theft, replacement of a stolen license plate, and transported items up to €125 per claim in case of break-in. Included in all three tiers: Mini Omnium, Omnium Essentium, and Full Omnium. Vandalism arising from a theft or attempted theft is not covered under this guarantee.

Covers breakage or other accidental damage to the windshield, side windows, rear window, and roof glass; only effective upon repair or replacement. A 20% deductible on the claim amount applies to the windshield, waived if the glass is repaired rather than replaced, or if replacement is carried out by an insurer-approved firm. Included in all three tiers: Mini Omnium, Omnium Essentium, and Full Omnium.

Covers destruction or partial damage from falling rocks, landslides, avalanches, snow/ice fall, hail, tidal surges or flooding, storm winds of at least 100 km/h, and earthquakes/volcanic eruptions/tidal waves abroad, without deductible. Also covers collision with animals on the road (including rodent damage). Included in all three tiers: Mini Omnium, Omnium Essentium, and Full Omnium.

Vandalism is covered as part of the 'Material damage' guarantee (destruction or partial damage caused by vandalism or malicious acts of third parties), gated by the same tiers as own damage: total loss due to vandalism is covered under Omnium Essentium and Full Omnium, while partial damage due to vandalism is covered only under Full Omnium. Vandalism arising specifically from a theft or attempted theft is excluded from the separate theft guarantee.

A baseline included assistance service (Titel VII) organizes and pays for towing of the vehicle to a garage of choice in Belgium after an accident within Belgium and up to 50 km beyond the border, plus return transport for uninjured occupants, applicable regardless of the chosen omnium tier. Broader optional modules (breakdown assistance in Belgium, vehicle/personal assistance abroad) can be purchased separately (Titel V).

A replacement vehicle is provided for the normal repair duration under the included assistance (Titel VII), on condition that the repair after a Belgian accident (up to 50 km beyond the border) is entrusted entirely to an insurer-approved garage. A broader optional 'Bijstand Vervangwagen' module (category A/B, up to 10 days for accidents, 20 days for total loss/fire, 30 days for theft) can be purchased separately (Titel V), and a further optional module covers replacement vehicles abroad.