BOB

Your friend drinks too much, and you are sober to drive they home? Very thoughtful of you! BOB covers any damage you may cause to their car.

You are safe to drive.

You drive your friend home in his car.

In Belgium during your leisure activities.

Is a BOB cover for you?

Why do you need a BOB cover?

We've all been faced with a situation where the friend we've gone out with is no longer fit to drive (due to alcohol abuse or other substances with a similar effect). If you are in state to drive his car and bring him safely back home, BOB cover steps in and covers your civil liability as a "BOB". In other words, it covers the material damage you could cause to your friend's vehicle when you drive him home (reminder: damage to third parties are covered by your friend's car insurance).

When do you need a BOB cover?

Have you volunteered to be the party's "BOB" and are therefore safe to drive? Your friend isn't, and you're driving home safe and sound? Congratulations! Thanks to BOB cover, you can drive home worry-free: BOB cover provides protection against the financial consequences of an accident while driving your friend's vehicle.

What is covered and what isn't?

In the belief that real-life examples speak louder than definitions, here are some of the most common uses of the cover:

The main things that are covered

Vehicle damage: you damage your friend's car while driving him home? Covered.
Towing: your friend's car needs to be towed to a garage? Covered.
Cab: need a cab home after the accident? Covered.‍

Some things that aren't covered

Unfit to drive: you think you're BOB because you drank just a little less than the others? Sorry, not covered.
Races or speed contests: organizing a BOB's rally on the way home from a party? Sorry, not covered.
Non-compliant vehicle: your friend hasn't had his car MOT'd or his vehicle isn't in order? Sorry, not covered.

Check the information document (IPID)