INSURANCE

OmniNature, for full cover against natural forces

PRACTICAL

Cover against natural forces

Has your bonnet been damaged by hail? Has your windscreen shattered during a storm? With the OmniNature cover, your car is insured against damage caused by nature, without the need for an expensive full or partial comprehensive (omnium) policy. It is an optional add-on to AG’s Third-Party Liability Car Insurance.

YOUR BENEFITS

A premium of €5 per month

You automatically receive full compensation with no excess if the repair is carried out by an AG-approved repairer. Even when on holiday abroad, your vehicle remains covered, all for a competitive premium of €5 per month!

MORE INFORMATION

Make an appointment

Would you like to add the OmniNature cover to your AG Third-Party Liability Car Insurance? Make an appointment at your BNP Paribas Fortis branch or call Easy Banking Centre on 02 433 41 30.

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.*

Promotional offer – 50% discount on OmniNature until 28/02/2026

  • The discount applies to any new AG Third-Party Liability Car Insurance policy that includes OmniNature cover. It remains valid for the full duration of the contract, provided you do not make any changes to it.
  • This offer may be combined with other ongoing AG commercial promotions, such as the Welcome Gift, Comprehensive Insurance Client and/or AG EcoBonus offers.
  • To benefit from this promotion, call Easy Banking Centre on 02 433 41 30 or make an appointment at your branch or post office.

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Why is OmniNature a smart choice?

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.

How much does OmniNature cost?

You can enjoy all the benefits of this insurance for a highly competitive premium of €5 per month.

Am I covered in Belgium and abroad?

Yes. Even when on holiday abroad, your vehicle remains covered. OmniNature is valid throughout Belgium and in all countries listed on your insurance certificate.

Do I pay an excess?

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.

Can I get a replacement car?

Yes. You receive a replacement car when your vehicle is repaired by an AG-approved repairer:

  • For repairs – for the full duration of the repair.
  • For total loss – until the day after notification of total loss, up to a maximum of 6 days.

What does the OmniNature cover include?

Main covered risks

  • 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.

What are the main risks not covered?

  • Depreciation in the vehicle’s value

  • Costs resulting from the car being unavailable

  • Damage caused by flying stones or ice blocks

Not satisfied?

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.

To take advantage of this promotion, call 02 762 90 00 or

Legal information

* 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.

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