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
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 · Belgium
Overview
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.
Source16
Products in this market
2
Offer pages
Company details
- Parent group
- Monceau Assurances (Groupe Monceau Assurances)
- Regulator
- Financial Services and Markets Authority (FSMA)
- Phone
- +32 81 74 68 46
- [email protected]
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
Motor4
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).
P+ Auto
A car insurance formula combining civil liability with full or limited Omnium cover and a 'Pack Tranquillité' driver protection option.
CARES
A customisable car insurance for drivers aged 25 and over, based on mandatory civil liability which can be completed with Omnium cover.
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.
Property4
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.
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.
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.
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.
Life7
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.
VITIS Wealth Executive Life
A high-end, tailor-made life insurance contract for private clients combining Luxembourg prudential protection with open-architecture investment options.
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.
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.
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.
VITIS FlexiCorporate
A unit-linked life insurance solution for Belgian corporate policyholders, sold under freedom of services.
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
Casco (own-damage car insurance)
casco (own-damage car insurance) from Aedes for the Belgium market, with 24/7 assistance.
Last verified Aug 26, 2026
Motor third-party liability
motor third-party liability insurance from Aedes for the Belgium market, with 24/7 assistance.
Last verified Aug 26, 2026