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1. Parties: Identification of the insurance company and the policyholder, including all relevant registration and contact details
2. Background: Context of the insurance agreement and reference to applicable legislation
3. Definitions: Clear definitions of key terms used throughout the policy
4. Vehicle Details: Specific information about the insured vehicle including make, model, year, and identification numbers
5. Coverage Details: Detailed description of the insurance coverage provided, including liability limits and territorial scope
6. Premium Calculation: Explanation of how the premium is calculated and payment terms
7. Exclusions: Clear listing of circumstances and situations not covered by the insurance
8. Claims Procedure: Step-by-step process for filing and handling claims
9. Obligations of the Insured: Policyholder's responsibilities including reporting changes and accident procedures
10. Duration and Termination: Policy period, renewal conditions, and termination procedures
11. Data Protection: Information about how personal data is processed and protected
1. Additional Driver Coverage: Section to be included when multiple drivers need to be insured for the same vehicle
2. Cross-Border Coverage: Additional terms for coverage outside Belgium, particularly relevant for border regions
3. Young Driver Provisions: Special conditions applying to drivers under 23 years old
4. Commercial Use: Additional terms for vehicles used for business purposes
5. Bonus-Malus System: Detailed explanation of the no-claims bonus system if applicable
6. Legal Assistance Coverage: Terms of optional legal protection insurance
7. Breakdown Assistance: Terms of optional roadside assistance coverage
1. Schedule A - Vehicle Specification: Detailed technical specifications and photos of the insured vehicle
2. Schedule B - Premium Calculation Details: Detailed breakdown of premium calculation factors and amounts
3. Schedule C - Coverage Limits Table: Detailed table of coverage limits and sub-limits for different types of claims
4. Schedule D - Approved Repair Centers: List of approved garages and repair centers
5. Appendix 1 - Claims Form: Standard form for filing insurance claims
6. Appendix 2 - European Accident Statement: Standard European accident declaration form
7. Appendix 3 - Privacy Notice: Detailed information about data protection and privacy practices
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