Insurer profile
Baloise Belgium NV
Baloise Belgium NV · Belgium
Overview
Baloise Insurance is the commercial name of Baloise Belgium NV, an insurer formed from the merger of Mercator, Avéro and Nateus in 2013, headquartered in Antwerp with an enterprise number of BE 0400.048.883.
Source22
Products in this market
2
Offer pages
Company details
- Parent group
- Helvetia Baloise Group
- Regulator
- Financial Services and Markets Authority (FSMA) and National Bank of Belgium (NBB)
- Phone
- +32 3 247 21 11
- [email protected]
Products from Baloise Belgium NV
Motor3
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.
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.
Motorcycle Insurance
Third-party liability and optional comprehensive coverage for motorcycles, including roadside assistance.
Property3
Home Fire Insurance (Owner)
Fire and home insurance for property owners covering fire, water damage, oil damage, glass breakage, natural disasters, theft, and liability.
Home Fire Insurance (Tenant)
Fire and home insurance for tenants covering contents and liability towards the landlord.
Commercial Fire Insurance (Handel Plus / SME)
Commercial fire and property insurance for businesses covering material damage to buildings and contents, available in Handel Plus and Speciale Risico's KMO formulas.
Health3
Personal Accident Insurance
Personal accident insurance protecting you and your family in the event of an accident, with coverage for permanent disability and death.
Hospitalisation Insurance
Hospitalisation insurance reimbursing medical costs for hospital stays due to illness, accident or childbirth, available for employees and individuals.
Work Accident Insurance
Mandatory work accident insurance for employees covering accidents at work and during commuting, worldwide.
Liability3
Family Liability Insurance
Personal liability insurance covering damage caused by you or members of your household to third parties at home or while travelling; the Family Select variant also protects pets abroad and includes free bicycle insurance.
Legal Assistance Insurance
Legal expenses insurance covering the cost of lawyers, experts and court fees in the event of a dispute, in partnership with Euromex.
Business Liability Insurance
Liability insurance for businesses covering damage caused to third parties in the course of business operations.
Life3
Life Insurance – Branch 21 (Guaranteed Return)
Branch 21 life insurance with guaranteed minimum return and possible profit sharing, for savings and pension purposes.
Debt Balance (Credit Balance) Insurance
Loan protection life insurance guaranteeing that, upon death of the insured, the outstanding capital is paid out to designated family members, typically linked to a mortgage.
Group Insurance (Employee Supplementary Pension)
Group life insurance for employers to offer employees a supplementary pension plan with optional disability and death coverage.
Financial2
Life Insurance – Branch 23 (Investment Funds)
Branch 23 unit-linked insurance products linked to investment funds including bond, equity and mixed funds.
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.
Other3
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.
Marine Hull Insurance (Casco)
Marine hull (casco) insurance for the transport sector, covering physical damage to vessels.
Family Plan (Bundled Insurance Package)
A bundling scheme combining at least three personal policies (including mandatory motor liability and home fire insurance) for discounts and a free Safety Pack of benefits.
Regulatory updates
Baloise Belgium NV is authorised under insurance code no. 0096 and FSMA no. 24.941A and remains actively regulated by the FSMA and NBB. Its Swiss parent groups Helvetia and Baloise completed their merger at the end of 2025 to form Helvetia Baloise Group, and in February 2026 announced a new unified brand identity combining the Helvetia name with Baloise's design, to be rolled out gradually; Belgium and Luxembourg are expected to transition to the new brand over the coming years, with a reduced brand useful life of up to five years for these markets. In August 2026, S&P Global Ratings affirmed Helvetia Baloise's A+ financial strength and issuer credit ratings with a stable outlook, citing the merger's benefits in scale and diversification.
Reputation and reviews
Offer pages
Casco (own-damage car insurance)
casco (own-damage car insurance) from Baloise for the Belgium market, with 24/7 assistance.
Last verified Aug 26, 2026
Motor third-party liability
motor third-party liability insurance from Baloise for the Belgium market, with 24/7 assistance.
Last verified Aug 26, 2026