INSURANCE

Vehicle Third-Party Liability Insurance from AG

IN PRACTICE

More than an obligation

This compulsory insurance covers material damage or bodily injury caused to others in an accident for which you are responsible.

YOUR BENEFITS

Good drivers, get rewarded for life!

As soon as you have achieved bonus-malus -2, you will benefit from this for life, meaning you also pay the lowest possible premium.

MORE INFORMATION

Calculate your premium and apply for your third-party liability insurance

Calculate the premium for your vehicle third-party liability insurance. An adviser will finalise your application.

Auto liability insurance is a Belgian-law liability insurance policy from AG, distributed by BNP Paribas Fortis. The policy is valid for 1 year, at the end of which it will be renewed by tacit agreement for the same period, except where it is cancelled at least three months before the renewal date.

For a policy taken out or renewed by tacit agreement on or after 1 October 2024, you have until two months before the renewal date to cancel it. In addition, from the second year onwards, you can cancel the policy at any time. Cancellation will take effect at the end of a 2-month period starting the day after notice is given by registered mail or served upon us, or the day after we provide an acknowledgement of receipt.

Get a discount on your Car Insurance

On or before 31 December 2026, you can benefit from several cumulative discounts, « except for Fully Insured Client » with « Welcome Gift » .

Total Customer Insurance -10%

Benefit from a 10% discount¹ on Third-Party Liability, Top Omnium (Top Occasium) or OmniNature (&Glass)-cover for the entire term of your contract – for as long as the contract remains unchanged². You will receive the discount if you have:

Welcome gift -10%

You will receive a 10% discount on the first annual premium of your contract if you do not meet the conditions for the 'Total Customer Insurance²+³' discount.

AG EcoBonus -10%

To encourage you to opt for mobility with lower CO2 emissions, you will receive a 10% discount for your electric car on Third-Party Liability insurance and on the chosen comprehensive insurance package, for the entire term of your contract - provided the contract remains unchanged².

Safety bonus -10%

Driving assistance systems reduce the risk of an accident. You will therefore receive a 10% discount on Third-Party Liability cover and the “Property Damage” part of the comprehensive cover if you equip your vehicle with at least 2 of the following 5 driving assistance systems: lane guard system, adaptive cruise control, blind spot warning, automatic parking or rear collision warning⁴.

KmBonus - up to 15%

The less you drive, the lower the risk of an accident. If you drive less than 25,000 km per year, you will receive a discount of up to 15% for electric and petrol cars and up to 10% for diesel cars, depending on the number of kilometres driven ².

¹ This discount is not applied when you make an online quote via 'Simulate your insurance'. Call the Easy Banking Centre on +32 2 433 41 30 or make an appointment to have the discount applied.

² This offer is valid for all new contracts and contract changes following a change of vehicle.

³ Offer subject to conditions:  a no-claims bonus of between -2 and 8, no more than one at-fault accident in the last 5 years, and the driver must be at least 26 years old. In order to benefit from the 'Total Customer Insurance’ discount, at least one additional comprehensive cover must be included.

⁴ This offer is valid when taking out (new policy or change of vehicle) a ‘Tourism and Business’ car insurance policy (luxury and mixed, mixed sse, minibus, motorhome or 4x4) or goods transport policy covering up to 3.5 tonnes for a new vehicle with a first registration date on or after 1 January 2014.

Why take out auto liability insurance?

Being insured for civil liability is compulsory in Belgium. This insurance will intervene:

  • to compensate another road user who is a victim of an accident for which you are declared responsible
  • to compensate your passenger if they are injured

Plus, you'll benefit from free extensions such as the -2 bonus-malus, RC Max, and immediate assistance.

Auto liability insurance, more than just a legal obligation

Auto liability insurance is more than just a legal obligation. The benefits for you are as follows.

       

  • Insure your mobility

    In the event of an accident or a flat tyre, you'll benefit from immediate and free assistance (towing to the nearest garage) in all countries listed on your green card. In Belgium, you'll have a replacement vehicle for 24 hours.

  • Reach the lowest bonus-malus... and keep it for life

    Your bonus-malus is calculated without taking into account accidents that occurred more than 5 years ago. Once you reach a bonus-malus of -2, you'll keep it for life (even if you have an accident in the future). And on top of that, you'll benefit from RC Max, which compensates the driver up to €300,000.

The scope of your protection

The main risks covered

  • compensation for material and bodily harm caused to others by any authorised driver of the vehicle in a traffic accident

  • compensation for bodily harm to vulnerable road users (cyclists, pedestrians, and motor vehicle passengers)

The main risks not covered

  • accidents caused intentionally*

  • driving under the influence of alcohol or drugs*

  • damage caused by drivers who do not hold a valid driving licence*

  • damage to the vehicle designated in the contract

* In all three cases, the company compensates the third parties but takes legal action against the person responsible for the accident.

Not satisfied?

If you have a complaint, you can address it to BNP Paribas Fortis SA, Complaint Management Service JQABD, Montagne du Parc 3, 1000 Brussels, tel. 02 228 72 18, gestiondesplaintes@bnpparibasfortis.com or via www.bnpparibasfortis.be > Suggestions or complaints > online declaration form.

 If the proposed solution does not satisfy you, you can address your complaint by post to the Insurance Ombudsman Service, Square de Meeûs 35, 1000 Brussels, BCE: 884.072.054, tel.: 02 547 58 71, info@ombudsman-insurance.be -
www.ombudsman-insurance.be.

GET A PERSONALISED SIMULATION

Calculate your auto insurance premium in 3 steps

  1. Who are you?

    Identify yourself using your card reader or Itsme.

  2. Calculate your premium

    Calculate your auto insurance premium with no obligation.

  3. Confirm your request

    Confirm your request immediately by phone with an expert or later at one of our agencies.

Read the information to the bottom of the page before

Discover our other insurances

  • Professionals will help you find an amicable solution in the event of a dispute. And if you end up in court, your legal fees will be covered.

    Discover Auto Legal Protection insurance

  • Top Omnium insurance

    You're declared responsible for an accident or the third party is unknown, Top Omnium Insurance intervenes for damages to your vehicle. You'll also have a replacement vehicle during repairs. 

    Discover our Top Omnium insurance

  • Top Assistance insurance

    Top Assistance Insurance offers you complete protection in case of an accident, illness, or incident in Belgium or abroad.

    Discover this insurance

Informations légales

AG Insurance (abbreviated as AG) SA – Bd E. Jacqmain 53, B-1000 Brussels - www.aginsurance.be - info@aginsurance.be - RPM Brussels – 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  – Montagne du Parc 3, B-1000 Brussels – RPM Brussels – VAT BE 0403.199.702, is registered under this number with the FSMA, Rue du Congrès 12-14, 1000 Brussels, and acts as a tied insurance agent, remunerated by commissions, for AG Insurance SA. BNP Paribas Fortis SA holds a stake of more than 10% in AG Insurance SA.

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