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.

Promotional offer: 50% off OmniNature for full cover against natural forces

Damage to your car caused by flooding, hail or storms is becoming increasingly common. With OmniNature, you are insured against this type of damage without needing to take out a comprehensive (omnium) policy. This cover is an add-on to AG’s Third Party Liability Car Insurance.

Receive a 50% discount on OmniNature until 28/02/2026

  • The discount applies to any new AG Third Party Liability Car Insurance policy that includes the OmniNature cover. It remains valid for the entire duration of the contract, provided you do not make any changes to it.
  • This promotion may be combined with other ongoing AG commercial offers, such as the Welcome Gift, the Comprehensive Insurance Client offer and/or the AG EcoBonus offer.
  • To take advantage of this promotion, call Easy Banking Centre on 02 433 41 30 or make an appointment at your branch or post office.

Discover the OmniNature guarantee

Get a discount on your Car Insurance

On or before 31 December 2025, you can benefit from several cumulative discounts, « except for Fully Insured Client » with « Welcome Gift » .

Fully Insured Client – 10%¹

Benefit from a 10% discount throughout the duration of your contract² on Liability (RC) and Top Occasium coverage if you also have an active Top Habitation fire insurance contract with BNP Paribas Fortis

Welcome gift – 10%

Enjoy a 10% discount for the first year of your contract if you don't meet all the "Fully Insured Client" conditions ²⁺³.

EcoBonus – 10%

To encourage low-CO2 mobility, you'll benefit from a 10% discount for the entire duration of your contract if your vehicle is electric or hybrid. Mild hybrid vehicles or MHEVs, which offer some electric assistance but can't run on electric power alone, are not eligible for this discount ².

Security Bonus – 10%

Driver assistance systems reduce the risk of accidents. That’s why you’ll benefit from a 10% discount on Third-Party Liability cover and on the ‘Material Damage’ section of your comprehensive insurance if your vehicle is equipped with at least 2 of the following 5 systems: lane assist, adaptive cruise control, blind spot warning, automatic parking or rear collision warning.

KmBonus - up to 15%

The less you drive, the less risk you have of having an accident. If you drive less than 25,000 km/year, you can benefit from up to 15% off for electric and petrol cars and up to 10% for diesel cars, depending on the number of kilometres you drive².

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

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. 

  • 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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