Insurer profile
AG Insurance SA/NV
AG Insurance SA/NV · Belgium
Overview
AG Insurance is Belgium's leading insurance company, present on the Belgian market since 1824, offering life and non-life insurance (auto, fire, accident, hospitalisation, civil liability) and supplementary pensions to individuals, self-employed persons, SMEs and large companies, distributed exclusively through brokers, Fintro agents and BNP Paribas Fortis branches.
Source27
Products in this market
3
Offer pages
Company details
- Parent group
- Ageas
- Regulator
- National Bank of Belgium (NBB) – prudential supervision; Financial Services and Markets Authority (FSMA) – conduct of business supervision
- Phone
- +32 2 664 81 11
- [email protected]
Products from AG Insurance SA/NV
Motor6
Car Liability Insurance (BA Auto)
Mandatory third-party motor liability insurance covering bodily and material damage caused to others in a road accident.
Comprehensive Car Insurance (Top Omnium / Mini-Omnium)
Full or partial comprehensive car insurance covering own vehicle damage from accidents, theft, fire, natural disasters and glass breakage.
Driver Accident Insurance (Top Bestuurder)
Driver accident cover providing compensation for bodily injury, permanent disability and death of the at-fault driver up to €1,250,000.
Motorcycle Insurance
Insurance for motorcycles including mandatory liability plus optional comprehensive and driver coverage.
Bicycle & Soft Mobility Insurance (Top Fiets)
Insurance for (electric) bicycles and soft mobility vehicles covering theft, material damage, roadside assistance and personal accident.
Roadside Assistance (Top Bijstand / Europe Car & Family)
Travel and roadside assistance for vehicle and family covering breakdown, towing, passenger repatriation, and replacement vehicle in Belgium and abroad.
Property2
Home Insurance (Top Woning)
Comprehensive home insurance for owners and tenants covering fire, water damage, theft, natural disasters and liability, with optional add-ons.
Business Property Insurance (Brandverzekering Beroepsactiviteiten)
Fire and property insurance for self-employed persons and SMEs covering professional offices, equipment and business continuity.
Health4
Hospitalisation Insurance (AG Care Hospitalisatie)
Individual hospitalisation insurance covering medical costs for hospital stays, serious illnesses, and pre/post-hospitalisation expenses, with no waiting period after medical acceptance.
Group Hospitalisation Insurance (AG Care Business)
Collective hospitalisation insurance for SME employees combining the benefits of individual and group health coverage.
Personal Accident Insurance (Privé-Ongevallen)
Personal accident insurance covering bodily injury, permanent disability and death following an accident in private life.
Guaranteed Income Insurance (AG Gewaarborgd Inkomen)
Income protection insurance paying a replacement income in case of long-term incapacity due to illness or accident.
Liability3
Family Liability Insurance (Top Familiale)
Family liability insurance covering third-party damage caused by the insured, family members and pets, including drone usage and voluntary work.
Professional / Business Liability Insurance (RC Exploitation)
Professional liability insurance for self-employed and SMEs combining operating liability, entrusted goods liability and post-delivery liability in one contract.
Legal Protection Insurance (Rechtsbijstand / Providis)
Legal protection insurance covering attorney and court fees for private life disputes, motor disputes, and property matters through AG's specialist unit Providis.
Travel2
Travel Assistance Insurance
Travel medical and assistance insurance covering medical costs, repatriation, search and rescue abroad for individuals and families.
Student Abroad Insurance
Insurance for students studying abroad covering illness, accident and emergency medical costs outside Belgium.
Life8
Life Insurance / Death Cover (Overlijdensverzekering)
Term life insurance paying a capital to beneficiaries upon the death of the insured, protecting family finances.
Mortgage Protection Insurance (Schuldsaldoverzekering)
Mortgage protection insurance repaying the outstanding loan balance (fully or partially) upon the death of the insured during the loan period.
Savings & Investment Insurance – Branch 21 (Tak 21 Spaarverzekering)
Branch 21 capital-guaranteed life savings insurance with a fixed interest rate and possible profit participation.
Investment Insurance – Branch 23 (Tak 23 Beleggingsverzekering)
Branch 23 unit-linked life insurance with returns linked to investment funds, without capital guarantee.
Pension Savings (Pensioensparen)
Tax-advantaged individual pension savings insurance allowing Belgian residents to build supplementary retirement capital with annual tax deductions.
Supplementary Pension for the Self-Employed (VAPZ)
Supplementary pension savings plan for self-employed persons with tax deductibility and guaranteed returns, with optional death and disability cover.
Individual Pension Commitment for Company Directors (IPT)
Supplementary pension plan for company directors financed by the company, with optional death and disability coverage.
Group Insurance / Employee Benefits
Collective group insurance for employers covering supplementary pension, death, disability and healthcare for employees, with Branch 21 guaranteed rates increasing from 1.75% to 2.75% for new premiums from 1 January 2027.
Regulatory updates
AG Insurance is supervised by the National Bank of Belgium (NBB), Boulevard de Berlaimont 14, 1000 Brussels, and by the FSMA for conduct-of-business matters. As at end-2025, AG's Own Funds stood at €5,063 million against a Solvency Capital Requirement of €2,373 million, resulting in a Solvency II ratio of 213% (versus 180% at end-2024), with about 87% of Own Funds categorized as Tier 1 capital. In late April/early May 2026, Ageas completed the acquisition of BNP Paribas Fortis's remaining 25% stake in AG Insurance for €1.9 billion, making Ageas the 100% owner of AG, while the AG–BNP Paribas Fortis bancassurance partnership was simultaneously renewed for a further 15 years. Historically, the FSMA reached a €75,000 settlement with AG Insurance NV over a compliance matter. AG's H1 2026 results, reported as part of Ageas's Belgium segment, showed a net operating result of €297 million, with weather-related claims in Belgium adding pressure to the non-life combined ratio.
Reputation and reviews
Offer pages
Casco (own-damage car insurance)
casco (own-damage car insurance) from AG for the Belgium market.
Last verified May 9, 2026
Motor third-party liability
motor third-party liability insurance from AG for the Belgium market, with 24/7 assistance.
Last verified May 9, 2026
Travel insurance
travel insurance from Protections Travel Insurance for the Belgium market, with online purchase and 24/7 assistance.
Last verified May 9, 2026