Insurance and accidents
What type of insurance is this?
This insurance covers your third-party liability (CL - civil liability) for damages caused to third parties pursuant to the use of the insured vehicle (mandatory insurance). In addition to the basic protection, this insurance also covers damages to your own vehicle (comprehensive) as optional protection in the event of a claim.
Types of insurance coverage
1. Third-party liability for a vehicle
- Basic Protection
- The statutorily required mandatory insurance of the third- party liability relating to motor vehicles in accordance with the minimum conditions declared to be binding by the RD (Royal Decree) of 16 April 2018.
2. Fully comprehensive
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We insure:
- Damage to the vehicle and equipment caused by fire, explosion, lightning, extinguishing a fire, etc.
- Theft
- Damage caused by natural forces.
- Collision with animals: damage caused by collision or overturning of the vehicle as a result of the crash.
- Glass breakage
- An accident
- Transportation of the vehicle, loading and unloading it.
- Vandalism or acts of malicious intent.
Where am i covered?
Your vehicle is covered in Belgium and in the European Union, as well as in the other countries listed on the green card you receive when you subscribe to the insurance policy contract.
What happens if there is any damage?
Are you unable to continue driving after an accident?
- If Europe Assistance is included in your contract, call the number: +32 2 541 92 06
- Complete the European collision form and take photographs of both the vehicles involved and of the surrounding area (do not forget to include traffic signs and road markings).
- Report your claim through STX Finance platform.
- Request repair specifications and performance of the repairs (Stephex Service) through your personal account.
STX Finance is ready to guide you through this process.
If your vehicle is involved in an accident
Ensure you and your passengers are safe and in a secure location
Complete a collision form
Make sure your collision report is accurate and complete by downloading the “Collision Form Guide” directly from your STX Finance App or dashboard. It’s your step-by-step guide to getting everything right!
Take photos
Capture clear images of the accident scene, vehicle damage, and any relevant surroundings.
Obtain a written declaration
If possible, get a signed declaration from the other driver regarding the incident.
Submit your declaration
Notify the STX Finance team as soon as possible by filling a Damage Declaration Form in your STX Finance account.
