Comprehensive Car Insurance

Comprehensive car insurance is the right choice when you are driving a new or recent second-hand car. Our comprehensive car insurance covers you against:

• damage caused to your vehicle by yourself or a third party
• theft or attempted theft of the vehicle, or part of the vehicle
• glass breakage (including panoramic roofs)
• damage from natural causes (storms, hail, flooding)
• damage caused by animals
• damage resulting from a collision with an animal
• damage caused by an animal gnawing through electric cables, pipes or engine compartment insulation (such as pine martens)
• damage caused by fire, explosion, lightning or electrical short-circuit

Your vehicle is therefore protected against all damages, regardless of the cause. There are only four exceptions – these are clearly stated in your policy.

Consult the general terms and conditions of this product to learn about all the coverages and exclusions.

Our multi-risk insurance covers your vehicle against:

• theft or attempted theft of the vehicle, or part of the vehicle
• glass breakage (including panoramic roofs)
• damage from natural causes (storms, hail, flooding)
• damage caused by animals
• damage resulting from a collision with an animal
• damage caused by an animal gnawing through electric cables, pipes or engine compartment insulation (such as pine martens)
• damage caused by fire, explosion, lightning or electrical short-circuit

Do not hesitate to consult the general terms and conditions of this product to learn about the coverages and exclusions.

Benefit from a 10% discount throughout the duration of your contract on the Liability (MTPL) and Top Omnium guarantees, if you also have:

• an active active fire insurance policy with AG
• and at least one other AG insurance policy: Top Family Liability, Providis Global Legal Protection, and/or Top Accidents¹⁺²

Benefit from a 10% discount during the first year of your contract, if you do not meet the « Fully Insured Client » conditions¹⁺².

To encourage low-CO₂ mobility, you benefit from a 10% discount throughout the duration of your contract if your vehicle is electric or hybrid¹⁺².

Safety systems reduce the risk of accidents. That's why you benefit from a 10% discount if your vehicle has at least 2 driver assistance systems. For example, blind-spot warning, emergency braking assistance, fatigue detector, etc.

The less you drive, the less risk you have of having an accident. If you drive less than 25,000 km/year, you can benefit from a discount of up to 15% for electric and petrol cars and up to 10% for diesel cars, depending on the number of kilometres you drive¹.

Do you want more information about comprehensive car insurance or mini-comprehensive insurance? Consult the documents below:

• General terms and conditions
• Information document
• Pre-contractual information

If you have a complaint, you can address it to BNP Paribas Fortis SA, Complaint Management Service JQABD, Montagne du Parc 3, 1000 Brussels, tel. 02 228 72 18, gestiondesplaintes@bnpparibasfortis.com or via www.bnpparibasfortis.be > Suggestions or complaints > online declaration form.

If the proposed solution does not satisfy you, you can address your complaint by post to the Insurance Ombudsman Service, Square de Meeûs 35, 1000 Brussels, BCE: 884.072.054, tel.: 02 547 58 71, info@ombudsman-insurance.be -
www.ombudsman-insurance.be.

AG Insurance (abbreviated as AG) SA – Bd E. Jacqmain 53, B-1000 Brussels - www.aginsurance.be - info@aginsurance.be - RPM Brussels – VAT BE 0404.494.849 - Insurance company approved under code number 0079, under the supervision of the National Bank of Belgium, Bd de Berlaimont 14, 1000 Brussels.

Intermediary: BNP Paribas Fortis SA  – Montagne du Parc 3, B-1000 Brussels – RPM Brussels – VAT BE 0403.199.702, is registered under this number with the FSMA, Rue du Congrès 12-14, 1000 Brussels, and acts as a tied insurance agent, remunerated by commissions, for AG Insurance SA. BNP Paribas Fortis SA holds a stake of more than 10% in AG Insurance SA.