An insurance for your luxury car

Sport coupé, refined convertible, limousine, or luxury SUV, this insurance covers recent vehicles from prestigious car brands.

Which vehicles are covered?

All prestigious or exclusive vehicles with an internal combustion engine or hybrid, with a new value exceeding €75,000 excluding VAT. All Porsche models are accepted. These vehicles must be less than 5 years old at the time of subscription (vehicles such as Ferrari, Aston Martin, McLaren, Bentley, Lamborghini, Rolls-Royce, and Porsche are accepted up to 10 years old).

What is the insured value?

• For new vehicles: the new value excluding VAT and discount, including options and accessories.
• For second-hand vehicles: the actual value determined by an expert or the invoice value.

What are the benefits of this product?

• Coverage of items transported in the vehicle up to a value of €2,500 including VAT.
• Coverage of your personalized license plate in case of vehicle theft.
• In case of total loss, we reimburse the vehicle registration tax actually paid by the insured (including Eco-Malus) with a maximum intervention limit of €5,000.

What coverages are offered?

1. Omnium:
   • Partial: Fire, theft, vandalism with break-in in the garage, natural forces, water damage, glass breakage, collisions with animals and game.
   • Complete: Material damage, theft, fire, water damage, glass breakage, natural forces, vandalism, collisions with animals and game.
2. Static Risk:
   • Fire, theft, and vandalism with break-in in the garage, natural forces, water damage.
   • Coverage is only acquired in the garage whose address is listed in the contract. This solution is intended for vehicles that are not registered.

What depreciation applies within this coverage?

In case of total loss, theft, or attempted theft, no depreciation will be applied during the first 24 months following the first registration date of the vehicle or 12 months following the date of the insured vehicle’s expertise or the contract’s effective date. From the 25th month (or 13th month for expertized vehicles), a depreciation of 1% per month will be applied. The insured always has the option to have their vehicle re-expertized whenever they wish.

Who is this coverage for?

This coverage is for drivers aged 30 to 70.

What additional coverages can be added to the Omnium coverage? (Only for vehicles registered in Belgium)

• Full assistance with a replacement vehicle of category C or D
• Civil Liability (subject to company acceptance)
• Legal Protection
• Individual Driver protection

What are the applicable deductibles within this coverage?

1. Material damage for the driver(s) listed in the contract (subject to the claim history):
   • Deductible of 1.00% of the insured value with a minimum of €500 and a maximum of €1,500.
2. Material damage for any other driver not listed in the contract:
   • 1.50% for drivers over 30 years old*
   • 3.00% for drivers under 30 years old*
   • 6.00% for drivers under 25 years old*
   • No coverage for drivers under 21 years old.
   • *with a minimum of €1,000.
3. Vandalism: €500.
4. Other coverages: No deductible.

What protections or mechanisms are required against theft?

• For most vehicles: original system (VV2/IA2 + anti-lift);
• For high-risk brands (unless otherwise agreed): VV2/IA2, anti-lift, and TT3 or TT4.

What documents are required to subscribe to this coverage?

• A completed and signed proposal by the policy holder
• The purchase invoice of the vehicle
• The expert report if requested at subscription
• Dated photos of the vehicle in its current state if it is a used vehicle
• A copy of the driving license of the driver(s)
• A copy of the identity card of the driver(s)
• A certificate of the alarm system and/or anti-theft system
• A 5-year claims history certificate

Contact us to receive your tailored offer now!