1 Object and scope of the insurance
2 Liability derived from driving the insured vehicle ( Type A: Mandatory liability insurance / Type B: Voluntary liability insurance / Type C: Liability for cargo and liability as a pedestrian or derived from amateur cycling /
Benefits from the insurer / Procedure to follow in the event of a claim (Liability, defence of the insured))
3. Own damage to the insured vehicle
4. Vehicle fire ( Replacement vehicle in the event of vehicle fire )
5. Theft of the insured vehicle ( A. Unlawful taking of the entire vehicle / B. Unlawful taking of permanently installed components / C. Damage to the insured vehicle due to unlawful taking / Effects of the recovery of the stolen vehicle / Replacement vehicle in the event of theft of the vehicle )
7. Legal defence ( A. Criminal defence ( 1. Object and scope of the insurance / 2. Procedure to follow in case of claim / 3. Choice of lawyer or court attorney / 4. Payment of fees / 5. Disagreement with the processing of a claim / 6. Payments not covered ) / B. Damage claims ( 1. Claims for bodily injuries / 2. Claims for material damage / 3. Limits / 4. Advances on indemnities / 5. Generally applicable rules ) / C. Legal assistance for administrative traffic, transit and road safety offences (Legal consultations by telephone /
Preparation of reports / Drafting of notices of opposition, defence depositions and appeals to higher courts... /
Submission of documents... / Telephone assistance in the event of a lost driving licence or the loss of points / Legal advice concerning traffic violations... ))
8. Personal accident cover for passengers ( 1. Accidental death / 2. Accidental permanent disability ( Partial permanent disability will be assessed according to the following scale... Complete loss of mobility and function of the vertebral column / Total loss of a single arm or single hand / Total loss of all fingers on a hand or of the thumb and index finger, jointly / Total loss of just the thumb / Total loss of just the index finger / Total loss of three fingers, including the thumb / Total loss of three fingers, including the index finger / Total loss of one finger that is not the thumb or index finger / Total loss of movement of one shoulder / Total loss of movement in the elbow or wrist / Total loss of a leg above the knee / Total loss of a leg at or below the knee / Total loss of a big toe / Total loss of one of the other toes / Total loss of movement in one hip or one knee / Total loss of an eye or a fifty percent reduction in binocular vision / Shortening of a leg by at least 5 cm / Non-union fracture of one leg or foot / Non-union fracture of the kneecap / Ablation of the lower jaw / Complete deafness in both ears / Complete deafness in just one ear ) / 3. Health care expenses arising from accidents )
9. Personal accident cover for driver: Fixed sum plus annuity
10. Subsidy for temporary suspension of the driving licence
( 11.1 Assistance to the vehicle and its passengers
... Technical assistance on roadways as of km "0" (the residence)
... Towing as of km "0" (the residence)
... Rescue as of km "0" (the residence)
... Benefits for the insured in case of immobilisation of the vehicle due to breakdown or accident
( Hotel expenses / Transportation or repatriation of the insureds )
... Benefits for the insureds in case of theft of vehicle
... Transport or repair of the damaged or stolen vehicle
( Expenses for transporting the vehicle to the residence of the insured
... Transportation of the insured to pick up the repaired vehicle
... Dispatch of professional chauffeur
... Dispatch of replacement parts
... Obtaining and sending copies of keys abroad
... Legal defence in case of traffic accident abroad
... Posting of criminal bail bonds abroad
... Advance of funds abroad )
( Medical transportation or repatriation of injured or ill individuals
... Transportation or repatriation of insureds
... Transportation or repatriation of minors
... Travel expenses for a family member in case of hospitalisation
... Accommodation expenses for the rest of the insureds
... Medical, surgical, pharmaceutical and hospitalisation expenses abroad
... Forwarding of medications ... Convalescence at the hotel
... Transportation or repatriation of the deceased and of accompanying insureds
... Interruption of the insured's journey
... Search for and forwarding of luggage and personal effects
... Forwarding of forgotten items
... Obtaining of safe-conducts
... Transportation of the insured in case of an accident at his / her home
... Legal information )
11.3 Causes of immobilisation )
12. Replacement vehicle ( Object of cover / Procedure to follow in the event of a claim and obligations of the insured)
13. Risks excluded from all covers
14. Territorial scope of the insurance
Basis for the contract
15. Formation, execution and period of cover of the insurance
17. In case of an increase in risk
18. Consequences of not reporting an increase in risk
19. False or misleading statements
20. In case of a decrease in risk
21. Transfer of ownership of the insured vehicle
22. Payment of the premium ( Time of payment / Place of payment / Consequences of non-payment of the premium )
( Own damage caused to the insured vehicle
... Theft of the insured vehicle
... Personal accidents involving the driver
... Subsidy for temporary suspension of driving licence
... Roadside assistance )
30. Termination of the insurance
33. Indemnity clause ( Covered extraordinary events /
Excluded risks / Deductibles / Scope of the cover / Procedure to follow in the event of a claim covered by the Insurance Compensation Consortium )
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