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The benefits of legal protection insurance for your vehicle
Legal protection for your vehicle offers numerous benefits. Discover them here.
INSURANCE
Legal protection insurance for your vehicle
The Motor Vehicle Legal Protection insurance is a Belgian legal protection insurance from AG, managed by a specialised entity - Providis - and distributed by BNP Paribas Fortis. This is a one-year contract that renews tacitly for the same period, unless you terminate it at least three months before the main expiry date.
For contracts taken out or tacitly renewed from 1 October 2024, you can terminate them up to two months before the main expiry date. From the second year of insurance onwards, you can cancel the contract at any time.
Termination will take effect two months from the day after the deposit of the registered letter, notification, or acknowledgement of receipt.
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Coverage of your legal fees up to €50,000
- in the event of an amicable or court procedure in Belgium or abroad;
- to resolve any administrative dispute in Belgium;
- to resolve certain disputes with a professional (garage, car wash...);
- in the event of insolvency of a responsible third party;
- in the event of a dispute over an expert report.
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Experts for an amicable procedure
An amicable procedure is often faster and less costly than a court procedure. Thanks to legal protection insurance for your vehicle, experts will be on hand to assist you in settling any dispute amicably. They will take complete charge of your file and defend your rights.
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Legal defence in court
If an amicable solution is not possible, your legal protection insurance for your vehicle will cover the fees of experts and lawyers, as well as court costs, until the dispute is finally resolved.
The scope of your protection
The main risks covered
criminal defence if the insured is prosecuted in cases related to the use of the vehicle;
contractual disputes (e.g. with a garage after repair);
civil action, if the insured is a victim of damage caused by a third party;
insolvency of third parties. The guarantee covers 100% of material damage and up to €15,000 for other damages.
The main risks not covered
fees and expenses incurred by the insured before requesting the insurer's intervention (except in cases of justified urgency);
claims arising when the insured vehicle is rented out or requisitioned;
fines, additional penalties and transactions with the public prosecutor's office;
intentional damage caused by the insured.
Not satisfied?
For any complaints regarding our products and/or services, you can get in touch with your usual point of contact, use our complaint form, or reach out to BNP Paribas Fortis, Complaints Management Service, Montagne du Parc 3, 1000 Brussels, tel. +32 2 228 72 18, or email gestiondesplaintes@bnpparibasfortis.com. Further details are available on www.bnpparibasfortis.be/complaint and via the AG Insurance website (www.aginsurance.be).
If you are not satisfied with the proposed solution or do not receive a response within the expected timeframe, you may file a complaint with the Ombudsman des Assurances (Insurance Ombudsman). This can be done online via their complaint form, by email (info@ombudsman-insurance.be) or in writing (Ombudsman des Assurances, Square de Meeûs 35, 1000 Brussels). You may also lodge your complaint directly with this body.
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Legal Information
AG Insurance (abbreviated as AG) SA – Bd E. Jacqmain 53, B-1000 Bruxelles - www.aginsurance.be - info@aginsurance.be - RPM Bruxelles – VAT BE 0404.494.849 - Insurance company approved under code number 0079, under the supervision of the National Bank of Belgium, Bd de Berlaimont 14, 1000 Brussels.
Intermediary: BNP Paribas Fortis SA/NV - Montagne du Parc 3, 1000 Brussels - https://www.bnpparibasfortis.be -Brussels Register of companies, VAT BE0403.199.702, registered with the FSMA under this number, rue du Congrès 12-14, 1000 Brussels, and acting as a insurance agent.
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