Yuzzu NV/SA
Yuzzu
Yuzzu is a motor casco insurance for the Belgium market with online purchase and 24/7 assistance.
Direct payment
Repairs generally require prior insurer approval and are reimbursed against invoice; a no-deductible, direct settlement applies only for windshield damage repaired (not replaced) or handled through an insurer-approved repair firm.
Geographic scope
Belgium (nationwide)
Coverage applies in Belgium and in the countries listed on the insurance certificate.
Unique selling points
- No deductible on fire, theft, natural-perils, or animal-collision claims across all three omnium tiers.
- Zero-deductible windshield repair or replacement when handled through an insurer-approved repair firm.
- Refund of the vehicle registration tax (BIV) up to €1,500 on a total-loss claim, scaled by the vehicle's age.
- Dedicated cover for electric/hybrid vehicle charging cables up to €1,000 when less than 5 years old.
- Full Omnium policyholders may opt for a total-loss settlement as soon as repair costs reach two-thirds of the vehicle's actual value.
Coverage limits
Own damage (material damage)
Conditional
Only in Omnium Essentium, Full 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.
Total loss
Conditional
Only in Omnium Essentium, Full Omnium
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.
Partial damage
Conditional
Only in Full 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.
Theft and robbery
Covered
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.
Glass damage
Covered
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.
Natural forces and animal collision
Covered
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
Conditional
Only in Omnium Essentium, 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.
Roadside assistance / towing
Covered
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).
Replacement vehicle
Conditional
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.
Driver accident cover
€500,000
An optional 'All Drivers' cover (Titel III) compensates the patrimonial damage suffered by beneficiaries when the driver dies or sustains bodily injury in a road accident, regardless of fault, up to €500,000 per claim including interest. Sold as a separate optional guarantee alongside the omnium formulas, not tied to a specific casco tier.
Key conditions
Driver age and experience limit
No minimum driver age or experience limit is set by the omnium guarantees themselves; the premium is instead personalised based on claims history and years of claims-free record (Titel VIII). Any replacement vehicle supplied under assistance is subject to the rental company's own minimum age and licence conditions.
Repair network requirements
Prior insurer approval is generally required before repairs begin (Titel II Art. 20), except for urgent provisional repairs outside office hours up to 10% of the insured value (max €1,250) with a detailed invoice. The windshield deductible is waived and repairs handled without deductible only when carried out by an insurer-approved firm; 'geconventioneerde garages' (approved garages) are also referenced for related MTPL extensions.
Territorial scope
The omnium guarantees (Mini/Essentium/Full) apply in the countries listed on the insurance certificate; assistance towing after an accident is valid in Belgium and up to 50 km beyond the border.
Anti-theft requirements
Theft cover is excluded if the vehicle was left unattended unlocked outside an individual locked garage, with a window/roof open, the ignition key or anti-theft remote left in or on the vehicle (unless in a locked individual garage), or if the anti-theft device was not used.
Claim notification deadline
Claims must be reported within 24 hours for theft, attempted theft, vandalism, or theft of keys/remote control, and within 8 days for all other cases.
Deductible rules
A deductible set in the Special Conditions applies to 'Material damage' claims, but is waived when a fully identified third party is liable and the insured is undisputedly in the right. A separate 20% deductible applies to windshield claims, waived if the glass is repaired (not replaced) or replacement is done through an insurer-approved firm. Theft, fire, and natural-perils claims are covered without any deductible.
Policy specifics
Glass breakage
Coverage for repair or replacement of windshield, side windows, rear window, and panoramic glass roof
SourceNatural forces
Coverage for damage from hail, severe winds (>100 km/h), flooding, and other natural disasters
SourceTheft and burglary
Coverage for damage caused by vehicle theft or attempted theft, including disappearance and vandalism
SourceGeographic scope
Mini/Essentium/Full omnium valid in Belgium and countries listed on insurance certificate; assistance in Belgium and 50 km beyond borders
Source