Comprehensive insurance for your business vehicles
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10% discount for electric/hybrid vehicles
Read the terms and conditions below
INSURANCE
Comprehensive insurance for company cars and other business vehicles
Top Omnium is a Belgian-law comprehensive insurance policy from AG SA, distributed by BNP Paribas Fortis SA. The policy is valid for 1 year, at the end of which it will be renewed by tacit agreement for the same period, except where it is cancelled at least three months before the renewal date.
For a policy taken out or renewed by tacit agreement on or after 1 October 2024, you have until two months before the renewal date to cancel it.
Your business vehicles
Insure your business vehicles with Top Omnium by AG for company cars and vans up to 3.5 tonnes, or with Top Omnium Camions for trucks, tractor units and semi-trailers over 3.5 tonnes.
Choose semi-comprehensive insurance to cover fire, breakage of glass, theft and damage caused by natural disasters or a collision with an animal, and fully comprehensive to cover material damage or vandalism as well.
Semi-comprehensive
Semi-comprehensive insurance protects your business car, van and truck in the event of fire, breakage of glass, theft and damage caused by natural disasters or a collision with an animal.
Fully comprehensive
Supplement the basic cover provided by semi-comprehensive insurance and enjoy additional protection for your company vehicles against vandalism and material damage.
Top Omnium Camions***
Your benefits
- sum insured equal to the actual value of the truck
- free cover for accessories, up to 5% of the total insured sum
- cover for your anti-theft system
- reimbursement of towing costs up to €5,000***
Replacement vehicle**
Has your company car or van been stolen? Has it been damaged and has AG accepted the claim? Benefit from a replacement vehicle while it’s being repaired.
10,000 km without loss of value
The value of your business car or van does not start to decrease until after 10,000 km and 6 months after purchase. For trucks, you’ll always get compensation for their actual value.
EcoBonus: 10% discount
Are you insuring your electric or hybrid vehicle with BNP Paribas Fortis? To encourage energy-efficient travel, if you sign up to a new Omnium policy by 30 June 2025 we’re offering a 10% discount for its entire duration****.
** for company cars and vans, but not for trucks over 3.5 tonnes
*** for trucks over 3.5 tonnes
**** This discount is granted for comprehensive cover taken out as part of a new motor insurance policy for an electric or hybrid vehicle in which third-party cover (also covered by the EcoBonus) has also been taken out, or for a change of vehicle to an electric or hybrid vehicle as part of an existing policy. The discount is applicable for the entire duration of the policy, but ends if the insured vehicle is replaced by a non-hybrid or non-electric vehicle.
Risks covered and exclusions
Comprehensive insurance for business vehicles covers
all material damage incurred, including during transportation, loading and unloading of the vehicle
damage caused by fire, theft, breakage of glass, natural disasters and collision with an animal
damage caused by rodents to your vehicle's electrical cables
material damage caused by vandalism or intentionally by a person who is not insured****
Comprehensive insurance for business vehicles excludes
damage caused when driving under the influence of alcohol or drugs
damage caused to your vehicle by wear and tear, a construction defect or poor maintenance
theft of the vehicle if the anti-theft system is not activated or does not function
Discover the complete list of all risks covered and exclusions
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The above list of covered risks and exclusions is not exhaustive. The exact scope of the guarantees can be found in the standard terms and conditions. To find out the main characteristics of this insurance policy, you can consult the information document. To receive a quote, you can contact your advisor or call the Easy Banking Centre on 02 433 43 34.
**** With the fully comprehensive option
More information
Read the following documents before signing your comprehensive insurance policy
Any concerns?
If you have any questions, you can contact your advisor in the first instance or consult Article 21 of the standard banking terms and conditions.
Complaints can be made to BNP Paribas Fortis SA, Complaints Department (JQABD), Montagne du Parc 3, 1000 Brussels (tel. 02 228 72 18, gestiondesplaintes@bnpparibasfortis.com), or via the online form available on www.bnpparibasfortis.be > Suggestions or complaints > online complaints form.
If you’re not happy with the proposed solution, you can send your complaint by post to the Insurance Ombudsman, Square de Meeûs 35, 1000 Brussels – BCE 884.072.054 – Tel: 02 547 58 71– info@ombudsman-insurance.be - www.ombudsman-insurance.be
Make a claim
If you need emergency assistance in the event of an accident or want to make a claim, our team is here to help!
Contact your advisor, or call the Easy Banking Centre to schedule a video call. Call us on 02 433 43 34
Also of interest
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Top Omnium Moto insurance
Top Omnium Moto insurance is an insurance policy that offers you the most comprehensive cover against damage to your motorcycle.
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Third-party insurance for your company vehicles
A third-party insurance policy for company cars, vans and trucks that covers damage caused to third parties following an accident. And the passengers in your vehicle are also protected!
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Goods and equipment insurance
This insurance policy protects your goods, raw materials and inventory during transport, as well as your equipment: machines, tools etc. In short, everything that allows you to work!
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Vehicle financing
Choose the type of financing that best suits your needs: a loan, finance lease or operational lease.
* Top Omnium and Top Véhicule are Belgian-law comprehensive insurance policies from AG SA, distributed by BNP Paribas Fortis. These insurance policies are valid for one year and renewed by tacit agreement.
Informations légales
AG Insurance SA/nv – 53 Boulevard Emile Jacqmain, B-1000 Brussels – RPM/RPR Brussels – VAT BE 0404.494.849 – www.aginsurance.be – info@aginsurance.be. Accredited insurance company licenced under code number 0079, under the supervision of the National Bank of Belgium, 14 Boulevard de Berlaimont, B-1000 Brussels.
Intermediary: BNP Paribas Fortis SA/nv – 3 Montagne du Parc, B-1000 Brussels – RPM/RPR Brussels – VAT BE 0403.199.702, registered with the FSMA, 12-14 Rue du Congrès, B-1000 Brussels, under code number 025879 and acting as a contractually appointed insurance agent on behalf of AG Insurance SA/nv. BNP Paribas Fortis SA/nv holds a stake of more than 10% in AG Insurance SA/nv.
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