Death cover – Life is Beautiful

Death cover – Life is Beautiful

Life Insurance "Life is Beautiful"
You are young, you get married, your family grows, life is beautiful … And if you take a short moment to think seriously about your future. Today we offer you the simplest life insurance on the market. Life is Beautiful — This solution is a product of family protection without medical selection which guarantees you a capital of €25,000  in case of death due to any cause or €100,000 in the event of an accidental death.

What is extended accidental death coverage?

This is a sudden death cover for external and / or internal causes guaranteeing:

  • Accidental death (sudden external cause)
  • Sudden death due to sudden and internal causes

A sudden death will be exclusively regarded as such if it is caused by one of the following conditions:

  • Infectious meningitis, ie. An acute infectious disease that causes meningeal infection
  • Stroke following vascular rupture or cerebral thrombosis without a history of causation
  • Aortic dissection
  • Pulmonary embolism
  • Acute hepatitis
  • Acute pancreatitis, infectious or toxic, non-alcoholic, with no causative antecedents
  • Acute infectious peritonitis
  • Acute infectious myocarditis
  • A myocardial infarction with no causative antecedents
  • Infectious encephalitis, ie. An acute infectious disease that causes brain infection

 

What is a sudden cause?

An alteration in the health of the insured person of a non-accidental origin but of a sudden and unforeseeable nature, whose cause is beyond the control of the insured person.

 

Who can benefit from this cover?

Insured people who reside in Belgium between 18 and 50 years of age.

 

What is the premium?

The premium is €120 inclusive of VAT per year up to the age of 44. Between 45 and 55 years old, the premium is 200 inclusive of VAT per year.

 

Is it possible to sign a contract for two people?

Yes, in this case, the guarantee will be effective upon the death of one of the two insured persons registered in the same place. The average age of the two insurees will define the tariff category. Coverage will end for one of the policyholders as soon as the age limit of 56 years is reached. The premium for the contract on two heads amounts to 200 including VAT per year up to 44 years of age on average. Between 45 and 55 years of average, the premium amounts to 330 including VAT per year. In the event of simultaneous accidental death, the capital paid by the insurer will exceptionally amount to €300,000.

 

Is it possible to cover more capital?

It is possible to double the insured capital by doubling the amount of the annual premiums. The sum insured in case of simultaneous death will remain at 300,000.

 

How long does the cover last?

The contract is an annually renewable contract which terminates automatically the year that the insured person or the insured persons reach the age of 55.

 

What documents are required to apply for this insurance?

completed proposal and a declaration of good health are necessary to register for the cover.

 

What type of customer is this coverage for?

  • For young households who wish to protect themselves against the vagaries of life.
  • A spouse who has a professional career who wishes to protect his or her family in the event of the unexpected disappearance of their partner in charge of the home.
  • To all who are aware that life, as beautiful as it is, sometimes presents harsh obstacles.

 

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Classic Motorcycle Insurance

Classic Motorcycle Insurance

Classic Motorcycle Insurance

For which vehicles is this insurance intended?

The product is intended for collectible motorbikes and scooters, for Cafe Racers and for custom engines that are at least 15 years old. We do not provide solutions for mopeds that are registered under an S-plate. The company reserves the right to refuse any vehicle that does not fall within the acceptance criteria.

 

What is the insured value?

The insured value, is the value that was recorded by mutual agreement between the insurer and the business, or the Gexa expertise agency. (www.gexa.be)

 

What formulas are offered?

  • Static Risk:
    Fire, theft, vandalism with burglary in the garage, forces of nature and water damage. The cover is only valid in the garage at the address stated in the policy. This solution is for non-registered vehicles.
  • Partial Omnium:
    Fire, theft, vandalism with burglary in the garage, forces of nature, water damage, broken glass and collisions with animals.
  • Full Omnium:
    Material damage with a maximum of 3,000 km per year, fire, theft, vandalism, forces of nature, water damage, broken glass and collisions with animals. Participation in tourist or regular races with an average speed of less than 50 km/per hour.

 

What depreciation is applied in the context of this cover?

In the event of total loss or theft, no depreciation will apply during the first 24 months following the date of the valuation of the insured vehicle.

 

Who is this cover for?

This cover is offered to drivers between 30 and 70 years old.

 

What additional options can be included with the all risks covered insurance (only for vehicles registered in Belgium)?

  • Civil Liability (Subject to Acceptance by the Business)
  • Legal counsel
  • Assistance with replacement truck
  • Assistance without replacement truck
  • Accident cover for the driver
    • Death: €5,000
    • Total Permanent Invalidity: €15,000
    • Medical costs: €1,500 (exemption: €50)

 

What excess is applied to this cover?

  • Material damage and vandalism:
    5% of the insured value, with a minimum of 250 and a maximum of 1,000
  • To insure otherwise:
    No excess

 

What precautions should be taken against theft?

Depending on the model, we require a mechanical lock. At the address of the insured, the motorcycle must be parked in an enclosed area during the night between 10:00 pm and 07:00 am.

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Motorhome Protection

Motorhome Protection

Motorhome Protection
Our Motorhome Protection cover proposes a package of guarantees completely adapted to your needs. Similar to our all risks covered policies, it is tailored to you, although the insurance covers the objects transported, we offer you optional guarantees such as; Civil Responsibility, Legal Protection and Protection of the driver.

A Motorhome is all about freedom

The motorhome or camper van is today, an easy and comfortable way to travel. The motorhome gives you the opportunity to enjoy, with great freedom, those little unexpected moments that life and nature offers us. With the motorhome, your house goes everywhere with you. If you would like to travel, you will appreciate that your home has the best protection in case of concern.

 

What vehicles do we insure?

This product is intended for vehicles such as a camper van or motorhome that is a maximum of 10 years old and is for private use (leasing or casual loaning is possible).

 

What value is insured?

For new vehicles: the total of the catalogue value, the options and the accessories before tax and before discounts. For vehicles which are more than 24 months old: the real value of the vehicle is used. This is decided by an expert appraisal with a report including photos (the interior and the exterior of the vehicle).

 

What are the guarantees offered?

Main cover:

  • Theft;
  • Fire;
  • Material damage (including water damage, broken glass, forces of nature, vandalism);
  • Transported objects. In case of theft or fire of the insured vehicle, the guarantee also covers the personal items found in the vehicle at the time of the loss, up to a maximum value of €3,000 including tax.

These personal items will be reimbursed in their entirety based on the purchase price, if they were purchased within the last 12 months of the loss. If the items were purchased more than 12 months before the loss, a decrease of 1% per month since the date of purchase will be applied.

Optional cover (only for vehicles registered in Belgium):

  • Civil Responsibility.
  • Legal Protection.
  • Assistance.
  • Driver Protection.

 

What decrease is applied to this coverage?

In case of total loss, of theft or attempted theft, no decrease will be applied during the first 24 months following the date of the first release of the vehicle or following the date of the vehicles expert report. From the 25th month, a decrease of 1% per month will be applied until the 60th month. From the 60th month, the vehicle will be compensated in real terms. At the 24th month the policy holder has the opportunity to have his vehicle appraised. If an appraisal is carried out, the insured value will be the real value and no decrease will be applied during the next 24 months.

 

Who is this cover for?

This cover is for drivers who are aged between 25 and 70 years who haven’t had any claims in the last 5 years (excluding glass breakage).

 

What is the excess of this cover?

  • Material damage and theft from within the vehicle: Excess of 1.5% off the insured value with a minimum excess of €500.
  • If, at the time of the accident, the driver of the insured vehicle is not the driver mentioned specifically in the contract, the excess will be:
    • 3% for drivers less than 30 years old.
    • 6% for drivers less than 25 years old.
    • 9% for drivers less than 21 years old.

The minimum excess will be €1,250

  • Vandalism: €500
  • Glass breakage:
    • To repair a chip in the windscreen: no excess.
    • If the windscreen is replaced: €150.
    • If the windows are broken: no excess.
  • Theft of the vehicle, fire, forces of nature and damage from animals: no excess.

 

What documents are needed to be able to apply for this cover?

  • A completed proposal, signed by the policy holder;
  • The purchase invoice of the car or an expert valuation of the car with photos;
  • A copy of the driver/s driving licence;
  • A certificate of the claims history of the driver/s for the past 5 years.

 

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Omnium Moto

Omnium Moto

All Risks Covered Motorbike Insurance

What vehicles are covered?

This product is for motorbikes, trikes and scooters of at least 100cc or the electrical equivalent, registered as an M plate. We do not offer a solution for M-bikes which are registered as an S plate. The electric bikes can be insured with our Bike insurance.

 

What are the insurance policies offered?

  • Safe Motorbike +: accidental damage, theft and fire.
  • Safe Motorbike: damage resulting from a collision with an identified third party, theft, fire and forces of nature.
  • Safe Quick: theft and fire.

 

What do we cover?

  • It is in your interest to insure your vehicle completely.
  • The motorbike value is based on the standard equipment, vehicle options and accessories.
  • Optional:
    • The riders equipment.

 

How is the premium calculated?

Using an online pricing program which is available to you on our website www.vdh.be.

 

How is the insured value determined?

During the first 12 months, the value insured is the purchase price of the vehicle, the options and the accessories. No decrease will be applied to the vehicle in the case of an accident during the first 12 months of the first release of the vehicle.  After the 13th month, the vehicle is insured based on the real value before the accident. The rides’ equipment is covered on a basis of the value decreasing over time.

 

Private and/or professional use?

  • It is possible to cover private use, travel to and from work or professional use.
  • Exclusions; couriers, delivery drivers, taxis and motorbike schools.

 

What extra cover can be added to All Risks Covered Insurance (only for vehicles registered in Belgium)?

  • Civil Responsibility (subject to acceptance by the company).
  • Legal Protection.
  • Assistance with a courtesy car.
  • Assistance without a courtesy car.
  • Individual accident insurance for the rider:
    • Death: €5,000.
    • Total Permanent Disability: €15,000.
    • Medical Costs: €1,500 (excess: €50).

What excess is applied under these policies?

All the policies have an excess of 10% of the damage or of the value of the motorbike on the day of the accident with a variable minimum depending on the model.

 

What anti-theft mechanisms are expected?

It varies according to the model, but a physical anti-theft and/or an alarm system with a siren is expected. At the address of the policy holder, the motorbike must be parked in a locked area during the night between the hours of 22:00 and 07:00.

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Youngtimer Protection

Youngtimer Protection

Youngtimer Protection

What vehicles are covered?

This product is for sports car that are between 10 and 25 years old.

 

What is the value insured?

The value insured is the value determined by an expert appraisal.

 

What are the insurance policies offered?

  • Static Risk:
    • Fire, theft and vandalism by breaking into the garage, forces of nature and water damage
    • The cover is only provided in the garage at the address on the contract
    • This cover is only designed for vehicles that are not registered to be driven on the road
  • All Risks Covered Partial:
    • Fire, theft, vandalism by breaking into the garage, forces of nature, water damage, broken glass, collisions with animals and wild animals
  • All Risks Covered Full:
    • Material damage, theft, fire, water damage, broken glass, forces of nature, vandalism, collisions with animals and wild animals
    • Participation in touristic rally’s or regular rally’s with an average speed of less than 50 km/h

 

What decrease in value is applied to the insured vehicle?

In case of total loss, of theft or attempted theft, no decrease will be applied during the first 24 months following the date of the first release of the vehicle or following the date of the vehicles expert report. From the 25th month, a decrease of 1% will be applied. The policy holder always has the possibility of having their vehicle re-assessed when they wish, preferably this occurs every 2 years. As soon as an appraisal is carried out and approved by the insurer, the insured value will again be evaluated and no decrease will be applied during the next 24 months.

 

Who is this cover for?

The cover is for drivers who are between 30 and 70 years old.

 

What is the excess of this cover?

  • Material damage: 2% of the value insured with a minimum of €500
    • x 4 if the driver is less than 21 years old at the time of the accident.
    • x 3 if the driver is less than 25 years old at the time of the accident.
    • x 2 if the driver is less than 30 years old at the time of the accident.
  • Vandalism: 2% of the value insured with a minimum of €500
  • Broken glass:
    • For the repair of a chip no excess will be applied.
    • For the replacement of the windscreen, the excess will be 10% of the damage with a minimum of €150.

 

What anti-theft protections or mechanisms are there to install?

  • Depending on the value and the characteristics of the vehicle: Circuit breaker, steering lock, VV1, VV2, TT3, TT4 or a combination of these systems.

 

What are the conditions applied for owners of many vehicles?

  • For young timer fleet owners we offer tailor-made solutions. Reductions are applied according to the number of vehicles and the total value of the fleet.

 

What documents are needed to be able to apply for this cover?

  • A completed proposal, signed by the policy holder;
  • An expert valuation of the car with photos;
  • A copy of the driver/s driving licence;
  • A certificate of the alarm system and/or the anti-theft system;
  • A certificate of the claims history.

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