Prestige Car & SUV Protection

WHAT VEHICLES ARE ELLIGIBLE?

PRESTIGE CAR

Any prestigious or exclusive vehicle whose replacement value exceeds 70.000 € before VAT, as well as the following makes: Cadillac, Corvette, Morgan, PGO, Donkervoort, Caterham.

SPORT & UTILITY VEHICLE

Any vehicle whose replacement value exceeds 42.000 before VAT.

Vehicles must not be older than 5 years

Ferraris, Maseratis, Aston Martins, Bentleys, Lamborghinis, Rolls Royces, Jaguars, Porsches and Morgans may be up to 10 years old.

WHAT AMOUNT IS INSURED?

• For new vehicles: The replacement value without rebate; extras and accessories included
• For second-hand cars: The real value as determined by an expert.

WHAT CAN WE COVER?

• Theft
• Fire
• Material damage (including water damage, glass breakage, force of nature, vandalism, animal damage

WHAT DEGRESSION IS APPLICABLE?

In case of loss, theft or attempted theft, no degression will be applied during the first 24 months following the date of first use or of the estimate of the insured vehicle. From the 25th month, a degression of 1% per month will be applied, up until the 60th month.

The policyholder may commission a new estimate in the 24th month. If a new estimate is provided, we will insure the real value of the vehicle, and no degression will be applied during the next 24 months.

SPECIAL REQUIREMENTS:

• Drivers must be at least 30 years of age and no older than 70 and be a resident of Belgium or Luxemburg
• Whenever the vehicle is kept at the home or at the main address of the policy holder and/or the main driver, it must be parked in a locked garage overnight (10 pm - 7am). Outside these places, the policy holder and/or main driver must act as a reasonable person. Failure to comply may result in cancellation of your policy.

WHAT EXCESS IS APPLICABLE?

• General rule for drivers over 30: No excess. An exception can be made by the insurer based on the policyholder's history. In this case, the excess applied is 2%.
• For all other drivers between 26 and 30: 2%
• For all other drivers between 21 and 25: 4%
• For all other drivers under the age of 21: 8%

WHAT KIND OF ANTI-THEFT SYSTEM(S) MUST BE INSTALLED?

• For most vehicles: original features (VV2 + immobilisers)
• For German makes: VV2, immobilisers and CJ2 (integrated or stand-alone)

CAN THE POLICY BE EXTENDED TO COVER DRIVING ON A RACE COURSE?

At an extra premium, the insured vehicle can be covered for use on a race course. However, the cover does not extend to competitions, speed or endurance races.

This policy extension is granted on condition that only the policy holder may drive.

Under this amendment to the policy, the excess is set at 20% of the insured amount.

YOU MUST PROVIDE THE FOLLOWING DOCUMENTS TO TAKE OUT THIS COVER:

• An insurance proposal form completed and signed by the person to be insured
• An estimate of the car + photos
• A copy of the driving license of the driver(s)
• Proof of a car alarm
• Proof of claims history