The benefits of your Top Occasium insurance
Top Occasium insurance has many benefits. Discover them here.
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10% discount on your new insurance
Discover the conditions below
INSURANCE
Top Occasium Insurance by AG
L’assurance Top Occasium est une assurance omnium de droit belge d’AG, distribuée par BNP Paribas Fortis. Il s'agit d'un contrat d'une durée d'un an avec reconduction tacite pour la même durée, sauf en cas de résiliation au plus tard 3 mois avant l’échéance principale.
Pour les contrats souscrits ou reconduits tacitement à partir du 1er octobre 2024, vous avez jusqu'à 2 mois avant l'échéance principale pour les résilier. En outre, à partir de la deuxième année d'assurance, vous pouvez résilier le contrat à tout moment. La résiliation prendra effet à l'expiration d'un délai de 2 mois à compter du lendemain du dépôt de l’envoi recommandé, de la signification ou de la date de l'accusé de réception.
Benefit from discounts on your Top Occasium insurance
Until 30 June 2025, you can benefit from several cumulative discounts, except for "Fully Insured Client" with "Welcome Gift".
Fully Insured Client – 10%
Benefit from a 10% discount throughout the duration of your contract on Liability (RC) and Top Occasium coverage if you also have an active Top Habitation fire insurance contract with BNP Paribas Fortis
- an active Top Habitation fire insurance contract with BNP Paribas Fortis
- and at least one other AG insurance policy: Top Familial Liability, Providis Global Legal Protection, and/or Top Accidents ¹⁺².
Welcome Gift – 10%
Benefit from a 10% discount for the first year of your contract if you do not meet the "Fully Insured Client" conditions¹⁺².
EcoBonus – 10%
To encourage low-CO2 mobility, you benefit from a 10% discount for the entire duration of your contract if your vehicle is electric or hybrid¹⁺².
Security Bonus – 10%
Security systems reduce the risk of accidents. That's why you benefit from a 10% discount if your vehicle has at least two driving assistance systems. For example, blind-spot warning, emergency braking assistance, fatigue detector, etc.
KmBonus - up to 15%
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 petrol cars and up to 10% for diesel cars, depending on the number of kilometres you drive¹.
¹ This offer is valid for new contracts and contract changes due to a vehicle change.
² This offer is valid for a bonus-malus between -2 and 8 and a maximum of one accident at fault during the last 5 years, and for drivers aged 26 to 74. For the "Fully Insured Client" discount, at least one omnium guarantee must also be included.
Customised omnium
Choose between two levels of coverage for your Top Occasium insurance. “Multi-risks” covers fire, theft, glass breakage, natural disasters, and collision with animals. The comprehensive omnium adds damage caused to your vehicle by you or a third party.
Adapted premium
The purchase of a used car will necessarily be made at a value lower than the catalogue value. This is why the Top Occasium insurance premium is calculated based on the purchase invoice. You can thus therefore your investment in the best way while also respecting your budget.
Simplified excess
Top Occasium insurance allows for repairs without excess for damages covered by the "small" omnium (shattered windscreen, hail damage, damage caused by a thief...). On the other hand, an excess will apply for repairs related to a "large" omnium.
Approved repairer
Regardless of your level of coverage, you retain the choice of repairer. However, you can gain speed and efficiency by choosing one of the many AG-approved repairers. In this way, you will benefit from a warranty on repairs and spare parts, as well as the third-party payment system.
Replacement vehicle
If you opt for an approved AG repairer, you are entitled to a replacement vehicle during the immobilisation period. We also take care of all administrative tasks. Like that, you can get back on the road as quickly as possible and in the best conditions.
The scope of your coverage
The main risks covered
in "multi-risks", damages resulting from fire, theft, glass breakage, natural disasters, collision with an animal, or electrical wiring damage caused by rodents
material damage suffered during an accident, including during transport of the vehicle or loading/unloading
material damage following vandalism or intentional acts other than those committed by the insured or a beneficiary
The main risks not covered
theft of the vehicle if the protection system, as required by the contract, was not activated or did not function properly
material damage caused by a driver under the influence of alcohol (as defined by the Highway Code) or in a similar state following the consumption of narcotics other than alcoholic beverages
material damage caused by a driver under the influence of alcohol (as defined by the Highway Code) or in a similar state following the consumption of narcotics other than alcoholic beverages
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The list of covered and non-covered risks above is not exhaustive. To know the exact scope of the guarantees, refer to the general conditions of this product. To discover the main characteristics of this insurance, consult the information document that you can obtain free of charge below on this page, at an agency, or via the Easy Banking Centre (02 433 41 30). To receive an offer, you can contact your agency or call the Easy Banking Centre.
Pack Occasium+
Extended guarantees
With Pack Occasium+, you can add additional coverage to your already reassuring Top Occasium coverage. Here are a few examples
- your vehicle won’t lose any value during the 12 months following its purchase date
- in the event of theft, you benefit from a replacement vehicle
- you receive up to €2,000 in compensation for objects in the car and damaged during an accident
- you receive up to €1,000 to cover your winter tyres in case of total loss or theft, even if they are not mounted on the vehicle
Want to know more?
You will find all additional information in the documents below
Not satisfied?
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. +32 2 228 72 18, e-mail: gestiondesplaintes@bnpparibasfortis.com or via the online form available on 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.
Discover our other insurances
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RC Auto Insurance
Liability insurance is a compulsory insurance that covers material and physical damage you may cause to others.
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Automobile Legal Protection
With this legal protection insurance, professionals will help you defend your interests in case of a legal dispute involving your car.
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Top Assistance Insurance
Top Assistance insurance offers you comprehensive protection in case of an accident, illness, or incident in Belgium and abroad.
Legal information
AG Insurance (in short 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 0079, under the control 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 participation of more than 10% in AG Insurance SA.
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