Verzekeringen NV (trading as Sure / Sure.be)
Sure
Sure is a motor third-party liability insurance for the Belgium market with online purchase and 24/7 assistance.
Direct payment
Premiums are paid monthly by direct debit, or quarterly/annually by bank transfer; accepted policy changes are processed without administration fees, with only the premium difference settled.
Geographic scope
Belgium
Civil Liability and (Mini-)Omnium cover are valid in the countries listed on the insurance/green card; other covers follow the general terms and conditions.
Unique selling points
- NN's Assist'line and claims team are reachable 24 hours a day, 7 days a week for emergency roadside help and claims declarations.
- Combining your NN Car Insurance with an NN Motorbike or Moped Insurance for the same usual driver earns a 40% discount on the Civil Liability cover of the two-wheeler.
- Accepted mid-term policy changes are processed free of administration charges, with only the premium difference settled.
- The optional Premium Pack adds a 10% extra payout on total vehicle loss and raises covered accessories to €2,500, well above the €1,000 standard limit.
- The policy can be taken out entirely online via NN's digital sales flow, with the policy and terms delivered by e-mail upon acceptance.
Coverage limits
Bodily Injury Liability (Civil Liability)
Covered
No limit stated
Legally mandatory Civil Liability cover indemnifies third parties for bodily injury caused by the insured vehicle; the reviewed product documents do not state a specific monetary limit (governed by the statutory RC Auto minimum conditions).
Property Damage Liability (Civil Liability)
Covered
No limit stated
Legally mandatory Civil Liability cover indemnifies third parties for damage to vehicles, property or belongings caused by the insured vehicle; no specific monetary limit is stated in the reviewed product documents.
Legal Defence / Legal Protection
Optional
Optional cover that pays lawyer, expert and court costs to defend the policyholder's interests, including when the at-fault third party's insurer defaults, and helps with traffic-offence proceedings and repair disputes; fines and penal settlements are excluded.
Green Card / International Insurance Certificate
Covered
The insurance certificate proves cover for the Civil Liability (and Mini-/Omnium) guarantee in the countries listed on the card; policyholders are advised to keep it in the vehicle, especially when travelling abroad.
Roadside / Breakdown Assistance
Optional
Optional breakdown assistance in Belgium and/or abroad, including a replacement vehicle if the car cannot be repaired on the spot; this is separate from the 'Service after a claim' assistance included by default for accidents in Belgium.
Driver Accident Insurance (Driver+)
€1,500,000
Optional Driver+ cover indemnifies medical costs or loss of income for incapacity to work when the driver is injured in an at-fault accident, up to 1,500,000 euros; death is also covered.
Passenger Accident Insurance
No limit stated
No dedicated passenger-accident sum-insured product is described; the closest optional cover, 'Assistance to persons', provides assistance and possible repatriation to the insured after an accident rather than a fixed indemnity for passengers.
Key conditions
Territorial scope
Civil Liability and (Mini-)Omnium cover apply in the countries listed on the insurance card; other guarantees follow the general terms and conditions.
Green card rules
The insurance certificate confirms the validity of the Civil Liability and (Mini-)Omnium cover in the countries printed on the card; policyholders should keep the certificate in the vehicle at all times, particularly when travelling abroad.
Driver restrictions
The product is intended for natural persons aged 18 or over, residing in Belgium; acceptance and pricing depend on criteria such as the age, driving experience and claims/insurance history of the usual and occasional drivers.
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 them.
Bonus-malus rules
No fixed bonus-malus scale is described in the reviewed documents; instead, the insurer relies on the claims history of the last five years (via the claims certificate from the previous insurer) and general acceptance/tariff criteria (claims record, driving experience, insurance history) to price the policy.
Policy specifics
Mandatory BA (Civil Liability) Coverage
BA (Burgerlijke Aansprakelijkheid/Responsabilité Civile) is legally mandatory in Belgium; covers damage caused to third parties by the insured vehicle
SourceThird-Party Damage Coverage Only
BA insurance covers only damage caused to other persons' vehicles and belongings; own vehicle damage from accidents is not covered unless additional omnium coverage is purchased
SourceVehicle Scope Beyond Passenger Cars
The IPID describes NN CAR Insurance as a complete cover for cars, minibuses and vans (private or mixed use), not only passenger cars, while the Dutch product sheet is titled specifically for cars ('voor wagens'); professional transport of goods or persons and professional leasing/rental are excluded.
Source'Premium Pack' Add-on vs. 'Premium' Product Tier
The optional 'Premium Pack' rider (extending driver bodily-injury cover, BOB-driver cover, pet injury cover and, with Omnium, misfuelling/lost keys/10% total-loss top-up) is a distinct, separately selectable add-on from the 'NN Car Insurance Premium' product tier named in the general conditions; the two should not be conflated.
SourceEssential and Premium Product Tiers
NN Car Insurance is offered in two selectable tiers, 'NN Car Insurance Premium' and 'NN Car Insurance Essential', each governed by its own general conditions; both tiers qualify for the NN Mobility risk-bundling contract.
SourceMinimum Age Requirement
The product is reserved for natural persons aged 18 or older with their main residence in Belgium (legal entities are also accepted per the IPID, provided the vehicle is not used for remunerated transport).
Source