Insurer profile
Baloise Belgium NV
Baloise Insurance is the commercial name of Baloise Belgium NV, an insurer formed from the merger of Mercator, Avéro and Nateus in 2013. Since December 2025, it is part of Helvetia Baloise Holding Ltd, the largest multi-line insurer in Switzerland and one of Europe's leading insurance groups. It is one of the top non-life insurers in Belgium and the market leader in marine and transport insurance.
Source- Legal entity
- Baloise Belgium NV
- Headquarters
- Antwerp (Berchem), Belgium
- Parent group
- Helvetia Baloise Holding Ltd
- Regulator
- Financial Services and Markets Authority (FSMA) and National Bank of Belgium (NBB)
- Phone
- +32 3 247 21 11
- info@baloise.be
- Founded
- 1919
- Last verified
- Jul 10, 2026
Products from Baloise Belgium NV
motor
Car Insurance – Third Party Liability (BA)
Mandatory third-party liability insurance for motor vehicles covering damage to third parties, included in the Mobility Safe 1 policy.
motor
Car Insurance – Comprehensive (Omnium)
Full comprehensive (Grote Omnium) and partial comprehensive (Kleine Omnium) cover for own vehicle damage including collision, theft, fire, natural disaster and vandalism.
motor
Electric Car Insurance
Insurance for electric vehicles combining third-party liability, optional partial or full omnium, with specific EV features such as theft of charging cable, breakdown assistance for flat battery and firefighting costs after a covered accident.
motor
Motorcycle Insurance
Third-party liability and optional comprehensive coverage for motorcycles, including 24/7 roadside assistance.
property
Home Fire Insurance (Owner) – Woning Select
Fire and home insurance for property owners covering fire, water damage, oil damage, glass breakage, natural disasters, theft, and liability.
property
Home Fire Insurance (Tenant)
Fire and home insurance for tenants covering contents and liability towards the landlord.
liability
Family Liability Insurance – Gezin Select
Personal liability insurance covering damage caused by you or members of your household to third parties, including automatic bicycle assistance via Baloise Assistance.
health
Personal Accident Insurance – Veilig Gevoel
Personal accident insurance protecting you and your family against accidents at the wheel, in traffic or during leisure time, with coverage for permanent disability, death and medical costs.
health
Hospitalisation Insurance
Hospitalisation insurance reimbursing medical costs for hospital stays due to illness, accident or childbirth, available for employees and individuals.
cyber
Cyber Insurance – Cyber Safe Family
Cyber insurance for families protecting against online risks including cyberbullying, identity theft, online fraud and shopping risks.
life
Life Insurance – Branch 21 (Guaranteed Return)
Branch 21 life insurance with guaranteed minimum return and possible profit sharing, for savings and pension purposes.
life
Life Insurance – Branch 23 (Investment Funds)
Branch 23 unit-linked insurance products linked to investment funds including bond, equity and mixed funds.
life
Pension Savings Insurance – Save Plan
Multi-option pension savings insurance (Branch 21 and/or Branch 23) offering tax benefits of 25–30% on premiums, for building retirement capital.
life
Long-Term Savings Insurance – Save Plan
Tax-deductible long-term savings life insurance (Branch 21 and/or Branch 23) with a minimum 10-year term and maximum annual contribution of €2,450, for individuals up to age 80.
life
Free Supplementary Pension for the Self-Employed (VAPZ / Social VAPZ)
Supplementary pension life insurance for self-employed individuals with premiums up to 8.17% of net taxable professional income (max €4,086 in 2026), with optional Branch 23 investment component.
life
Pension Agreement for the Self-Employed (POZ)
Multi-option supplementary pension life insurance (Branch 21 and/or Branch 23) for self-employed individuals without a company, subject to the 80% rule, with minimum 5-year term.
life
Individual Pension Commitment for Company Directors (IPT)
Multi-option supplementary pension life insurance (Branch 21 and/or Branch 23) for self-employed company directors, funded by the company within the 80% rule, with optional disability and death cover.
other
Legal Assistance Insurance
Legal expenses insurance covering the cost of lawyers, experts and court fees in the event of a dispute, in partnership with specialist legal insurer Euromex.
life
Group Insurance (Employee Supplementary Pension)
Group life insurance for employers to offer employees a supplementary pension plan with optional disability and death coverage.
life
Savings and Investment Life Insurance (Portfolio Approach)
Combined savings and investment insurance using a portfolio approach with a mix of Branch 21 (guaranteed return) and Branch 23 (unit-linked) products.
property
Commercial Fire Insurance for Businesses (Handel Plus / SME Special Risks)
Commercial fire and property insurance for businesses covering material damage to buildings and contents, available in Handel Plus and Speciale Risico's KMO formulas.
liability
Business Liability Insurance (BA Bedrijven)
Liability insurance for businesses covering damage caused to third parties by activities, infrastructure, equipment or personnel in the course of business operations.
health
Work Accident Insurance
Mandatory work accident insurance for employees covering accidents at work and during commuting, worldwide.
other
Marine and Transport Insurance (Cargo)
Cargo transport insurance for importers and exporters covering goods transported worldwide by any means; also includes CMR logistics and own-account transport cover.
other
Marine Hull Insurance (Casco)
Marine hull (casco) insurance for the transport sector, covering physical damage to vessels.
motor
Truck and Commercial Vehicle Insurance (Mobility Safe 2)
Third-party liability and material damage insurance for trucks and commercial vehicles under the Mobility Safe 2 policy, with discounts for additional insured vehicles.
life
Death Insurance for Company Directors
Life insurance providing financial protection for the surviving family or the company upon the death of a company director.
Regulatory updates
Baloise Belgium NV is authorised under insurance code no. 0096 and FSMA no. 24.941A and remains actively regulated. The merger of parent companies Helvetia and Baloise was completed on 5 December 2025, forming Helvetia Baloise Holding Ltd, Switzerland's largest multi-line insurance group. Baloise shares were delisted on 8 December 2025 and new Helvetia Baloise (HBAN) shares commenced trading on SIX Swiss Exchange. S&P confirmed the Baloise Group's rating of A+ with a stable outlook on 23 June 2025. The FSMA and NBB continue to supervise Baloise Belgium under Belgian and EU insurance regulations, including Solvency II and the DORA regulation which came into force on 17 January 2025.
Reputation and reviews
Verified offer pages
Motor casco
Baloise is a motor casco insurance for the BE market with no online purchase and 24/7 assistance.
Last verified May 9, 2026
Motor third-party liability
Baloise is a motor third-party liability insurance for the BE market with no online purchase and 24/7 assistance.
Last verified May 9, 2026