P&V

territorial_scope

The BA auto policy is valid in all countries listed on the insurance certificate (formerly the green card, now a white document). If a destination country is crossed out on the certificate, the policyholder can request a temporary extension from P&V. Driver protection coverage is valid throughout the EU and certain other countries as listed in the general terms.

green_card_rules

The insurance certificate (white document, formerly green card) must be presented as proof of insurance when travelling abroad in countries listed on it. Countries crossed out on the certificate are not covered; a temporary extension must be requested in advance from P&V. The BOB guarantee (designated driver) is valid in Belgium and the Grand Duchy of Luxembourg only.

driver_restrictions

Coverage is void if the vehicle at the time of the claim is driven by a person who does not meet the conditions required by Belgian laws and regulations to drive that vehicle (e.g. no valid driver's licence, driving under a suspended licence, or non-compliance with a provisional licence). The deductible under omnium is doubled if the driver is under 26 and is not listed in the contract as a regular driver. Clearly poor maintenance or failure to replace essential parts in time is also an exclusion.

claim_notification_deadline

In the event of a claim, the policyholder must notify P&V as soon as possible and provide all documents and information concerning the claim. For omnium and theft-related claims, a police report must be filed within 24 hours. The insurance contract is concluded for one year with tacit renewal.

bonus_malus_rules

P&V applies the Belgian statutory bonus-malus system. Claims older than 5 years are not counted in the bonus-malus calculation, allowing policyholders to reach the maximum bonus level (-2) faster. Once level -2 is reached, it is maintained for life. Young drivers (under 26) benefit from an accelerated bonus-malus: the bonus-malus decreases 2 grades per year for the first three years; from age 26, it decreases 1 grade per year. A driver starts at grade 11 (or 14 for professional use) when newly licensed.

Replacement vehicle after theft or accident

P&V provides replacement vehicle coverage included with BA-autoverzekering after theft or when vehicle is towed following an accident

Charging cable and EV-specific coverage

P&V covers damage caused by charging cable (e.g., third party injuries) and includes the supplied charging cable in theft coverage for electric vehicles

BOB (Designated Driver) Protection

P&V includes BOB guarantee which protects designated driver friends when they drive your vehicle; driver protection insurance applies

Young Driver (<26 years) Special Discounts

P&V offers car insurance specifically for young drivers aged under 26 with extra discounts and improved bonus-malus system

English Deductible (Waiver) Option

P&V offers choice between standard deductible or English deductible where deductible waives if repair cost exceeds it

P&V Recognized Repair Garages Network

Policyholders receive deductible reductions when repairs are done at P&V-approved repair shops

Night Garage Storage Discount

P&V provides 15% discount on theft, glass breakage, and natural forces coverage if car is parked in garage or under carport at night

Electric Vehicle Premium Calculation

For hybrid or plug-in hybrid vehicles, BA insurance premium is calculated only on combustion engine power, not total power

Omnium Value Retention Period Options

Omnium (comprehensive) insurance allows policyholder to choose value retention period: 0, 6, 12, or 24 months, during which car maintains full catalog or invoice value

Bonus-Malus Claims History Exclusion

P&V does not count claims older than 5 years in bonus-malus calculation, allowing policyholders to reach level -2 faster

24/7 Assistance Service Contact

P&V provides 24/7 roadside assistance and accident support services; primary contact number is 02 229 00 11