Oldtimer insurance

VD Oldtimer (insurer: Vivium, brand of P&V Verzekeringen)

VD Oldtimer is a product offered by insurance company Vivium, a brand of P&V Verzekeringen. This insurance covers the risks associated with owning and driving a car. Only civil liability coverage is mandatory by law but you can increase your protection by taking out additional insurance covers relating to your vehicle, your mobility or your person.

Brief Description of the Coverages Offered

For detailed information on the rights and obligations of the insurance company and the insured, please refer to the IPID sheet and the general and/or special terms and conditions of the selected insurance product.

Civil Liability

If you are liable for an accident, we insure your interests and the material and physical damage caused to third parties. We also insure the damage caused to vulnerable road users (pedestrians, cyclists and passengers), even if you are not liable for the accident. 

Legal Assistance

We cover your recourse against a liable third party for your bodily injury or the material damage to the insured vehicle. We insure your criminal defence in case you are prosecuted for any traffic offence. If legal proceedings are necessary, you are free to choose your own lawyer.

The Legal Assistance coverage is limited: we insure up to € 125,000.00 including VAT.

Car Own Damage 

• To insure damage caused to the insured vehicle, you can choose between the following covers:
• Glass breakage: breakage of the windscreen, side windows, rear window or sunroof window.
• Fire: damage caused by fire, explosion or short-circuit.
• Natural forces: damage caused by storm, hail, flood or other natural disasters and any damage caused by animals.
• Material damage: damage caused by accident or vandalism.
• Theft: disappearance or damage as a result of (attempted) theft (including carjacking or home jacking).

Within the framework of the cover for material damage:

• A deductible of 2.5% of the insured value is applied (in conformity with the expertise).
• during "Regularity" trips, the deductible is increased to 4% of the insured value (in conformity with the expertise).
• the deductible is always 5% of the insured value (in conformity with the expertise) when the vehicle is driven by a person younger than 26 years old.

Assistance

As part of the vehicle assistance, we guarantee the following assistance in case of an accident, theft, breakdown or any other incident (tyre puncture, problems with keys or fuel): 

• repair or towing of the insured vehicle.
• the passengers’ return to their place of residence.

Within the framework of the guarantee Assistance to the vehicle, there will be no intervention in case of flat tyre if the vehicle does not have a full spare wheel.

Brief Description of the Major Risks NOT Covered by the Insurance 

For detailed information on the rights and obligations of the insurance company and the insured, please refer to the IPID sheet and the general and/or special terms and conditions of the selected insurance product.

Civil Liability

Damage suffered by the driver who was liable for the accident.
Material damage to the insured vehicle.

Legal Assistance

Fines, surcharges and amicable settlements.
   
Car Own Damage

Damage resulting from theft or attempted theft:

• if the vehicle is parked in a public place and you have not locked the doors or left the keys in a visible place in the vehicle.
• If you have not reported the theft to the police within 24 hours.

Damage caused by wear and tear of the Vehicle or by a mechanical defect or construction error.

Assistance

Stay abroad for more than 3 months

General Terms and Conditions and Contractual Documents

The IPID sheet (Information document on insurance product) can be found here.

The general terms and conditions of this insurance product can be found here.

It is essential that you review these documents before giving your approval to the financial product or signing it. The documents are available via the above links or can be requested from our office.

Legal Information and Complaints Management

The insurance contract is governed by Belgian law. 

Origin of the product developer: product offered by Vivium, brand of P&V Verzekeringen, Rue Royale 151, 1210 Brussels.

Location where you can get a quote together with a calculation of the premium: Insurance Office Van Dessel NV, Misstraat 112, 2590 Berlaar.

The term of the product is one year. After the end date, your policy will be tacitly renewed for one year at a time, unless you (notice period of 2 months) or we (notice period of 3 months) cancel the policy by registered mail, by bailiff's writ or by delivery of the termination letter against receipt, subject to compliance with the aforementioned notice period. If you are a consumer, you can terminate the tacitly renewable contracts without any costs or penalties after the expiry of a period of one year from the start of the insurance contract. The termination shall take effect after the expiry of a period of two months.

Any complaint regarding this offer or the insurance contract can be addressed to the internal complaints department of Insurance Office Van Dessel NV, Misstraat 112, 2590 Berlaar, info@vandessel.be.

If you disagree with the outcome of the complaint handling, you can submit a complaint to the VZW Insurance Ombudsman, square de Meeûs 35, 1000 Brussels Tel No: 02/ 547 58 71; Fax No: 02/ 547 59 75; info@ombudsman-insurance.be; www.ombudsman-insurance.be. Complaints must be submitted in writing. Submitting a complaint does not affect the policyholder's right to take legal action.