The OmniNature cover is an add-on to the Belgian Third-Party Liability Car Insurance policy offered by AG and distributed by BNP Paribas Fortis.*
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OmniNature protects your car against all material damage caused by natural forces, such as flooding, hail or storms, without the need for a comprehensive insurance policy.
Yes. Even when on holiday abroad, your vehicle remains covered. OmniNature is valid throughout Belgium and in all countries listed on your insurance certificate.
No, there is no excess if you use an AG-approved repairer (or an approved glass specialist in case of breakage), if you have an accident and repair abroad, or if you suffer a total loss. Otherwise, the excess is €250.
Yes. You receive a replacement car when your vehicle is repaired by an AG-approved repairer:
You can rely on OmniNature for damage to your car windows and for any other material damage caused by hail, flooding, or a storm with wind gusts of at least 80 km/h.
Other natural disasters are also covered: earthquakes, volcanic eruptions, falling rocks, stones or ice blocks, landslides or subsidence, avalanches, snow pressure, tidal waves, river overflow, hurricanes and lightning.
Depreciation in the vehicle’s value
Costs resulting from the car being unavailable
Damage caused by flying stones or ice blocks
Please read the information document before subscribing to the insurance.
For any complaints regarding our products and/or services, you can get in touch with your usual point of contact, use our complaint form, or reach out to BNP Paribas Fortis, Complaints Management Service, Montagne du Parc 3, 1000 Brussels, tel. +32 2 228 72 18, or email gestiondesplaintes@bnpparibasfortis.com. Further details are available on www.bnpparibasfortis.be/complaint and via the AG Insurance website (www.aginsurance.be).
If you are not satisfied with the proposed solution or do not receive a response within the expected timeframe, you may file a complaint with the Ombudsman des Assurances (Insurance Ombudsman). This can be done online via their complaint form, by email (info@ombudsman-insurance.be) or in writing (Ombudsman des Assurances, Square de Meeûs 35, 1000 Brussels). You may also lodge your complaint directly with this body.
Call us for more info on +32 2 433 41 30 or make an appointment
* These contracts are concluded for a period of one year and are automatically renewed for the same period unless cancelled no later than three months before the main expiry date.
For contracts taken out or tacitly renewed from 1 October 2024, you have up to two months before the main expiry date to cancel. From the second insurance year onwards, you may cancel the contract at any time; the cancellation takes effect two months after the day following the posting, service or acknowledgement of receipt of the registered letter.
AG Insurance SA – Bd E. Jacqmain 53, 1000 Brussels – www.aginsurance.be – info@aginsurance.be – RPM Brussels – VAT BE 0404.494.849 – Insurance company authorised under code 0079 and supervised by the National Bank of Belgium, Bd de Berlaimont 14, 1000 Brussels.
Intermediary: BNP Paribas Fortis SA/NV - Montagne du Parc 3, 1000 Brussels - https://www.bnpparibasfortis.be -Brussels Register of companies, VAT BE0403.199.702, registered with the FSMA under this number, rue du Congrès 12-14, 1000 Brussels, and acting as a insurance agent.
