Insurer profile
Aedes NV/SA (mandated underwriter of the Monceau Assurances group in Belgium), with life insurance activities carried out via Vitis Life S.A. – Belgian Branch
In Belgium, the French mutualist group Monceau Assurances operates through Aedes, a Namur-based mandated underwriter (founded in 1997) distributing non-life insurance via more than 2,000 brokers, and through Vitis Life – Belgian Branch, a Diegem-based branch of the Luxembourg life insurer Vitis Life offering high-end life insurance and savings solutions.
Source- Legal entity
- Aedes NV/SA (mandated underwriter of the Monceau Assurances group in Belgium), with life insurance activities carried out via Vitis Life S.A. – Belgian Branch
- Headquarters
- Namur, Belgium (Aedes); Diegem, Belgium (Vitis Life – Belgian Branch)
- Parent group
- Monceau Assurances (Groupe Monceau Assurances)
- Regulator
- Financial Services and Markets Authority (FSMA)
- Phone
- +32 81 74 68 46
- info@aedesgroup.be
- Founded
- 1997
- Last verified
- Aug 26, 2026
Products from Aedes NV/SA (mandated underwriter of the Monceau Assurances group in Belgium), with life insurance activities carried out via Vitis Life S.A. – Belgian Branch
motor
P (P30/P35/P40/P50/P60)
A flat-premium car insurance range for good drivers aged 30 and over, offering compulsory third-party liability plus optional Omnium cover, split into age-based tiers (P30, P35, P40, P50, P60).
motor
P+ Auto
A car insurance formula combining civil liability with full or limited Omnium cover and a 'Pack Tranquillité' driver protection option.
motor
CARES
A customisable car insurance for drivers aged 25 and over, based on mandatory civil liability which can be completed with Omnium cover.
motor
Connected vehicles (motorcycle, motorhome, oldtimer, tractor)
Add-on cover linked to the policyholder's main car contract (P or CARES) for motorcycles, motorhomes, oldtimers or tractors, with RC, Omnium, legal protection and assistance options.
liability
Pn1 (motor legal protection)
Legal expenses insurance for motor vehicles, underwritten by Monceau Générale Assurances with Aedes acting as mandated underwriter, covering legal defence and recovery of damages after traffic-related disputes.
property
P-Home
A per-square-metre home (fire) insurance for owner-occupiers of a single-family house, covering the building and/or contents at reconstruction value with optional garden, pool and theft cover.
property
PAC-Aedes
An à-la-carte home/fire insurance for owners (occupying or not) or tenants of a house, apartment or office in Belgium, with unlimited building and contents cover options.
property
PLiZ (tenant/roommate insurance)
A gamified, simple home insurance for tenants and roommates in Belgium covering compulsory rental civil liability and/or contents, with an optional theft package.
property
PVélo (bicycle & mobility insurance)
Insurance for any type of bicycle or soft-mobility device covering theft, material damage (Omnium), cyclist bodily injury and optional legal protection and civil liability.
life
VITIS All In One (VAIO)
A branch-23 unit-linked life insurance contract investing through one or more Collective Internal Funds, offering wealth diversification without individual fund monitoring.
life
VITIS Wealth Executive Life
A high-end, tailor-made life insurance contract for private clients combining Luxembourg prudential protection with open-architecture investment options.
life
VITIS FlexiPatrimonium (Belgium)
A unit-linked life insurance solution for individuals in Belgium, sold under freedom of services, allowing investment in external and internal collective funds.
life
VITIS Corporate Investment Plan (VCIP)
A life insurance investment plan for corporate policyholders in Belgium, offered under the establishment regime via Vitis Life's Belgian Branch.
life
VITIS Corporate Life Plan (VCLP)
A corporate life insurance plan for Belgian legal entities, offered under the establishment regime via Vitis Life's Belgian Branch.
life
VITIS FlexiCorporate
A unit-linked life insurance solution for Belgian corporate policyholders, sold under freedom of services.
life
Individual Pension Commitment (EIP/IPT)
A unit-linked life insurance contract for self-employed company directors to build supplementary pension capital, with optional death and disability guarantees protecting their family and income.
Regulatory updates
Aedes is registered with the FSMA as a mandated underwriter (souscripteur mandaté / gevolmachtigde onderschrijver, FSMA number 065325, enterprise number BE 0460.855.809), a status created by the Belgian law of 3 April 2019; the risks it distributes are carried by Monceau Générale Assurances (operating in Belgium under LPS licence 3067) and, for legal-protection cover, also by Monceau Générale Assurances. Vitis Life operates in Belgium both under freedom of services and, since 2018, via its Belgian branch (Vitis Life – Belgian Branch, enterprise number BE 0686.903.619) registered with the National Bank of Belgium under number 1424. In 2025 Aedes's Pn1 motor legal-protection product won an award at the Trophées Decavi ceremony organised in partnership with Monceau Assurances.
Reputation and reviews
Offer pages
Motor casco
Aedes is a motor casco insurance for the Belgium market with no online purchase and 24/7 assistance.
Last verified Aug 26, 2026
Motor third-party liability
Aedes is a motor third-party liability insurance for the Belgium market with no online purchase and 24/7 assistance.
Last verified Aug 26, 2026