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
You can find further details in the following documents:
If you have a complaint, please contact BNP Paribas Fortis SA, Complaints Management JQABD, Montagne du Parc 3, 1000 Brussels, tel: 02 228 72 18 | gestiondesplaintes@bnpparibasfortis.com | www.bnpparibasfortis.be > Suggestions or complaints > Online form.
If the proposed solution does not satisfy you, you may also contact the Insurance Ombudsman, Square de Meeûs 35, 1000 Brussels, CBE 884.072.054, tel: 02 547 58 71 | info@ombudsman-insurance.be | www.ombudsman-insurance.be.
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 – Montagne du Parc 3, 1000 Brussels – RPM Brussels – VAT BE 0403.199.702 – Registered with the FSMA, Rue du Congrès 12-14, 1000 Brussels, and acting as a tied insurance agent remunerated by commissions on behalf of AG Insurance SA. BNP Paribas Fortis SA holds more than 10% of the shares in AG Insurance SA.
