The Motorhome insurance is a Belgian-law liability insurance policy from AG, and 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.
The Motorhome insurance: cover and optional add-ons
Discover the available options and cover for this insurance.
Motorhome liability insurance
With Motorhome Liability Insurance, AG goes beyond the legal minimum:
RC Max insurance
We don't just stop at what's compulsory, even though our Motorhome liability insurance is already very comprehensive.
With RC Max insurance, as soon as you achieve a bonus-malus rating of -2 (the lowest at AG), you'll receive up to €300,000 in compensation if you suffer injury as a driver. Even better, this insurance is free and granted automatically.
Top omnium
For tailored protection of your motorhome, you can choose either mini comprehensive or full comprehensive cover, so you can travel with complete peace of mind:
Motorhome+ pack
Looking for extra protection for you and your motorhome? The Motorhome+ pack, when combined with Top Omnium, provides additional protection and extends your existing cover:
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1 Based on your years of driving and number of at-fault claims.
2 Immediate assistance is valid in all countries listed on the insurance certificate and applies to motorhomes under 3.5 tonnes. The replacement vehicle is only available in Belgium and up to 30 km beyond the national borders. The replacement period is extended until Monday if the incident occurs on a Friday or during the weekend.
3 Accessories/options as defined in the contract, but not included in the overall value.
4 Goods transported in, on or by the insured vehicle (excluding jewellery, currencies, banknotes, bullion, postage or fiscal stamps, cheques, commercial papers, bonds, shares, letters and telegrams).
On or before 30 june 2026, you can benefit from several discounts.
Benefit from a 10% discount throughout the duration of your contract¹ on Liability (RC) and Top Occasium coverage if you also have an active Top Habitation fire insurance contract with BNP Paribas Fortis
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 ¹.
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.
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 drive¹.
¹ This offer is valid for new contracts and contract changes due to a vehicle change.
² This offer is valid for a bonus-malus between -2 and 8 and a maximum of 1 accident in the last 5 years, and for drivers aged 26 to 74. For the "Fully Insured Client" discount, at least one omnium insurance must also be included.
Compensation for material damage and bodily injury caused to others in a road accident by an authorised driver of the vehicle
Compensation for bodily injury to vulnerable road users (cyclists, pedestrians and passengers of a motor vehicle)
In comprehensive cover:Multi-risk: covers theft of the vehicle, break-in, fire, glass breakage, storm damage, hail, flooding or collision with an animal
In comprehensive cover: Material damage: covers all damage to the vehicle, whether caused by yourself (at fault or not) or by others
Damage caused by a driver without a valid driving licence*
Driving under the influence of alcohol or drugs*
In comprehensive cover: Theft of the vehicle if the anti-theft system required by the insurer was not activated at the time of the incident
In comprehensive cover: Damage to the vehicle resulting from a construction defect, wear and tear, lack of maintenance, or use of the vehicle that does not comply with the manufacturer’s instructions
* In all cases, the company compensates the third parties but takes legal action against the person responsible for the accident.
Do you want more information about this insurance? Download the document below:
If you have a complaint, you can contact us at BNP Paribas Fortis SA, Complaints Department JQABD,
Montagne du Parc 3, 1000 Brussels, tel. 02 228 72 18, gestiondesplaintes@bnpparibasfortis.com or via www.bnpparibasfortis.be > Suggestions ou Complaints > online complaint form.
If you’re not happy with the proposed solution, you can send your complaint by post to the
Insurance Ombudsman, Square de Meeûs 35, 1000 Brussels, BCE: 884.072.054, tel: 02 547 58 71 , info@ombudsman-insurance.be -
www.ombudsman-insurance.be.
With motor legal expenses insurance, you can get professional help to protect your rights in a legal
dispute involving your vehicle.
Thanks to Top Assistance, you can travel with peace of mind. If something happens to you during a trip, either in Belgium or abroad, this travel assistance policy offers you complete protection.
Motor liability insurance is a compulsory policy that covers property damage and physical injury that you may cause to a third party.
AG Insurance (abbreviated to AG) SA – Bd E. Jacqmain 53, B-1000 Brussels - www.aginsurance.be - info@aginsurance.be - RPM Brussells – TVA 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 commission, for AG Insurance SA. BNP Paribas Fortis SA holds a stake of more than 10% in AG Insurance SA.
