Motor third-party liability — Belgium

[1] Bodily injury liability: Unlimited ↩

There is no indemnity limit for bodily injury caused to third parties by the insured vehicle; ACM also pays interest, legal costs and lawyers'/experts' fees for civil actions even beyond the indemnity limits.

Il n'y a aucune limite d'indemnisation pour les dommages corporels.

[2] Property damage liability: €100,000,000 ↩

The indemnity limit for material damage is 100 million euros per claim, indexed according to article 3 of the law of 21 November 1989 on compulsory motor liability insurance.

La limite d'indemnisation pour les dommages matériels s'élève à 100 millions d'euros par sinistre.

[3] Legal defence: €25,000 ↩

Optional rider covering penal defence and civil recourse up to 25,000 EUR per claim; contractual recourse (e.g. repair disputes) is capped at 5,000 EUR; insolvency of a third party is covered up to 6,500 EUR after a 250 EUR deductible. Separately, the compulsory liability guarantee itself pays legal costs and lawyers'/experts' fees for civil claims even beyond its own indemnity ceilings.

Notre intervention est limitée à 25.000,00 euros maximum par sinistre

[4] Green card: Covered ↩

Cover applies to claims occurring in any country listed on the insurance certificate: all EU member states, Andorra, Monaco, Iceland, Liechtenstein, Norway, Switzerland, Serbia, Morocco, Tunisia, Turkey and the United Kingdom.

Wij dekken de schadegevallen die zich voordoen in een van de landen die vermeld staan op het verzekeringsbewijs. Dit betreft elk land van de Europese Unie, Andorra, Monaco, IJsland, Liechtenstein, Noorwegen, Zwitserland, Servië, Marokko, Tunesië, Turkije en het Verenigd Koninkrijk.

[5] Passenger accident: Unlimited ↩

Passengers of the insured vehicle are explicitly listed among the covered vulnerable road users (alongside pedestrians and cyclists). Under articles 29bis and 29ter of the law of 21 November 1989, bodily injury to vulnerable road users and to innocent victims of an accident involving two or more vehicles is compensated on a no-fault basis by the liability insurer(s), and bodily-injury compensation under the liability guarantee is unlimited.

Les dommages causés aux tiers par le véhicule automoteur assuré pour les dommages matériels et/ou corporels, y compris les dommages causés aux usagers faibles (piétons, cyclistes et passagers).

[6] Bodily injury liability: Unlimited ↩

There is no compensation limit for damage resulting from bodily injury caused by the insured vehicle to third parties.

Er is geen vergoedingsgrens voor schade voortvloeiend uit lichamelijke letsels.

[7] Property damage liability: €100,000,000 ↩

The compensation limit for material damage is 100 million euros per claim, indexed in accordance with article 3 of the law of 21 November 1989 on compulsory motor liability insurance.

De vergoedingsgrens voor stoffelijke schade bedraagt 100 miljoen euro per schadegeval. Dit bedrag wordt geïndexeerd overeenkomstig artikel 3 van de wet van 21 november 1989 betreffende de verplichte aansprakelijkheidsverzekering inzake motorrijtuigen.

[8] Legal defence: €150,000 ↩

Aedes intervenes up to a maximum of €150,000 (VAT included) per claim for legal defence and civil recourse related to the vehicle, except for sub-guarantees with their own caps (insolvency of third parties €30,000; advance of funds for material damage 100% of the undisputed amount; advance of funds for bodily injury 90% up to €50,000; bail bond €30,000; vehicle repatriation €30,000; psychological assistance €1,250). This guarantee is part of the 'ZEN package' and is automatically included in the Pol-Air formula, whereas it is an optional paid add-on in the P30, P35, P40, P50 and P60 formulas.

Aedes komt tussenbeide tot een maximum van 150.000 € btw inbegrepen per schadegeval, met uitzondering van de waarborgen "insolventie van derden", "voorschot van fondsen", "strafrechtelijke borg", "repatriëring van het voertuig" en "psychologische bijstand".

[9] Green card: See details ↩

Third-party liability cover applies in the countries covered by the insurance certificate (green card) or by the general terms; there is no separate monetary 'green card' benefit with its own limit.

La garantie « Responsabilité Civile » est acquise dans les pays couverts par le certificat d’assurance ou dans les conditions générales.

[10] Passenger accident: See details ↩

The 'Bestuurder' (driver protection) title defines the insured person as the authorised driver only; the sources do not describe a distinct personal accident benefit for passengers.

[11] Bodily injury liability: Covered ↩

Unlimited coverage for bodily injury damages caused to third parties. No compensation ceiling applies for personal injury losses as required by Belgian and EU law.

Er is geen vergoedingsgrens voor schade voortvloeiend uit lichamelijke letsels.

[12] Property damage liability: €100,000,000 ↩

Coverage for property damage caused to third parties, with a maximum of 100 million EUR per claim (indexed annually per the law of 21 November 1989). The IPID states the current indexed amount as 120,067,655.54 EUR per claim.

De vergoedingsgrens voor stoffelijke schade bedraagt 100 miljoen euro per schadegeval. Dit bedrag wordt geïndexeerd overeenkomstig artikel 3 van de wet van 21 november 1989 betreffende de verplichte aansprakelijkheidsverzekering inzake motorrijtuigen.

[13] Legal defence: €75,000 ↩

Optional coverage for legal defence in case of traffic offences, claims against third parties, and contractual disputes (e.g. with repairers). Covers expert fees, lawyer fees, and court costs up to 75,000 EUR.

In Rechtsbijstand: kosten en honoraria worden ten laste genomen tot 75.000 EUR.

[14] Green card: Covered ↩

Coverage applies in all countries listed on the vehicle insurance certificate (green card). For accidents in green card countries more than 30 km outside Belgium, AG organises and covers towing to the nearest garage. BA Max personal injury coverage is worldwide.

Als u geïmmobiliseerd bent na een verkeersongeval (of lekke band), in een land waarvoor het verzekeringsbewijs geldig is en meer dan 30 km buiten België, organiseren wij en nemen wij de kosten ten laste voor het slepen van uw voertuig en het vervoer van de inzittenden naar de dichtstbijzijnde garage.

[15] Passenger accident: Covered ↩

Bodily injury to passengers of the insured vehicle caused by the insured vehicle is covered under the standard BA Auto liability coverage. The standard BA Auto covers damage caused to third parties, which includes passengers. Driver injury is not covered under standard BA (see driver_accident for the conditional BA Max extension).

van de eigenaar, van iedere houder, van iedere bestuurder van het omschreven motorrijtuig en van iedere persoon erdoor vervoerd;

[16] Bodily injury liability: Unlimited ↩

There is no indemnity limit for damage resulting from bodily injury caused to third parties (including passengers) by the insured vehicle.

Il n'y a aucune limite d'indemnisation pour les dommages résultant des lésions corporelles.

[17] Property damage liability: €100,000,000 ↩

The indemnity limit for material damage caused to third parties is 100 million euros per claim; this amount is indexed in line with the 21 November 1989 motor liability insurance act.

La limite d'indemnisation pour les dégâts matériels s'élève à 100 millions d'euros par sinistre. Ce montant est indexé conformément à l'article 3 de la loi du 21 novembre 1989 relative à l'assurance obligatoire de la responsabilité en matière de véhicules automoteurs.

[18] Legal defence: €40,000 ↩

Optional 'Rechtsbijstand safe' module covering legal/judicial and extrajudicial costs up to 40,000 EUR: criminal defence for traffic offences, civil recourse against non-contractual third parties, civil defence (up to 5,000 EUR) against the own liability insurer's recourse claim, administrative disputes (registration, road tax, technical inspection) and disputes arising from contracts relating to the insured vehicle. Independently of this optional module, the base BA cover itself already pays, even beyond the indemnity limits, the interest, legal costs and lawyer/expert fees relating to civil proceedings arising from a covered claim.

Argenta Assuranties nv verbindt er zich toe in het kader van een gedekt schadegeval de kosten van gerechtelijke en in de wet omschreven buitengerechtelijke procedures te dragen tot maximaal 40.000 euro.

[19] Green card: Covered ↩

The BA cover is valid, and Argenta issues an international insurance certificate (green card) confirming it, for every country for which the certificate is valid; if a claim occurs abroad the cover follows the compulsory motor insurance law of that country, without ever reducing the wider protection Belgian law grants.

La garantie est accordée pour un sinistre survenu dans tout pays pour lequel la garantie est accordée selon le certificat d'assurance.

[20] Passenger accident: Unlimited ↩

Passengers transported in the insured vehicle are covered as third parties under the base BA liability cover, which has no indemnity limit for bodily injury; the IPID explicitly confirms material and bodily damage to third parties, including occupants, is covered. Vulnerable road users and innocent victims of the accident also benefit from a separate statutory compensation duty (articles 29bis/29ter of the 21 November 1989 act).

Materiële en lichamelijke schade aan derden (ook inzittenden) ten gevolge van een verkeersongeval waarvoor je aansprakelijk bent; Lichamelijke schade van zwakke weggebruikers in een verkeersongeval waarbij jouw voertuig betrokken is.

[21] Bodily injury liability: Unlimited ↩

Civil liability cover for bodily injury caused to third parties (including weak road users and innocent victims) by the insured vehicle is unlimited in amount.

Onbeperkt voor schade als gevolg van een lichamelijk letsel.

[22] Property damage liability: €120,067,670 – €129,550,508 ↩

Civil liability cover for property damage caused to third parties (including damage to the clothing and personal luggage of the insured vehicle's passengers) by the insured vehicle is limited to EUR 129,550,508 per claim under the current general conditions.

Beperkt tot 129.550.508 euro per schadegeval voor materiële schade (inclusief schade aan kleding en persoonlijke bagage van de passagiers van het verzekerde voertuig)

[23] Green card: Covered ↩

The insurance certificate ('green card') is issued as proof of the mandatory liability cover and lists the countries or parts of countries in which the vehicle is covered (around 38 European and neighbouring territories).

Voor de dekkingen Burgerrechtelijke Aansprakelijkheid, 1ste hulp, Bescherming van het voertuig en Wegen Hulp bent u gedekt in de landen vermeld op het verzekeringsattest dat u bezorgd wordt bij het sluiten van uw verzekeringsovereenkomst en bij elke hernieuwing hiervan.

[24] Passenger accident: €1,500,000 ↩

Optional 'Protection of Persons' cover for occupants of the insured vehicle (family members and, under the extended formula, any occupant) for bodily injury or death from a road accident, subject to the same overall EUR 1,500,000 per-claim indemnitaire cap or agreed lump sums under the forfaitaire formulas.

L'indemnité (montant principal et intérêts compris) ne dépassera jamais 1.500.000 EUR par sinistre.

[25] Bodily injury liability: Unlimited ↩

Bodily injury liability under BA Motorrijtuigen/RC Auto is unlimited, as required by Belgian law and confirmed in Baloise's own Mobility Safe 1 General Conditions.

[26] Property damage liability: €120,067,670 ↩

Property damage caused to third parties is covered up to a standard maximum of EUR 120,067,670 per claim (amount subject to indexation).

Pour les dommages causés aux biens, aux choses, aux véhicules et aux bâtiments, nous payons de manière standard au maximum 120.067.670 EUR par sinistre (montant sujet à indexation).

[27] Legal defence: €100,000 ↩

Optional Protection Juridique Supra All-risk (Euromex) covers legal costs for disputes linked to the use of the insured vehicle, up to EUR 100,000 per dispute; can only be taken in addition to the Baloise RC policy.

[28] Green card: Covered ↩

The policy provides valid proof of insurance (green card / certificate) for Belgium and all countries required by law, plus Bosnia-Herzegovina, North Macedonia, Montenegro and Serbia.

Cette assurance est valable dans tous les pays imposés par la loi. Cette assurance est également valable en Bosnie-Herzégovine, en Macédoine du Nord, au Monténégro et en Serbie.

[29] Passenger accident: Unlimited ↩

Weak road users, including passengers, pedestrians and cyclists, are compensated for bodily injury and clothing damage even if they caused the accident themselves, including in case of death.

Les blessures des usagers faibles comme les passagers, les piétons et cyclistes et les dommages causés à leurs vêtements, même si ces usagers ont causé l'accident de la circulation eux-mêmes. Nous payons aussi pour les dommages à la suite de leur décès.

[30] Bodily injury liability: Unlimited ↩

There is no limit of indemnification for damages resulting from bodily injury caused to third parties by the insured vehicle.

[31] Property damage liability: €100,000,000 ↩

Material damage caused to third parties is capped at 100,000,000 EUR per claim; this amount is indexed in accordance with Article 3 of the Law of 21 November 1989 on compulsory motor liability insurance.

La limite d'indemnisation pour les dommages matériels s'élève à 100 millions d'euros par sinistre. Ce montant est indexé conformément à l'article 3 de la loi du 21 novembre 1989 relative à l'assurance obligatoire de la responsabilité en matière de véhicules automoteurs.

[32] Legal defence: €30,000 – €75,000 ↩

Optional add-on available in two formulas: Comfort covers legal/expert/bailiff fees up to 30,000 EUR per claim (with third-party insolvency cover up to 6,250 EUR and contractual disputes up to 7,500 EUR); Prestige raises the main limit to 75,000 EUR (insolvency up to 15,000 EUR, contractual disputes up to 15,000 EUR) and adds civil defence, extended contractual disputes, administrative assistance and criminal bail.

Notre intervention est acquise jusqu'à 30.000 EUR par sinistre. En ce qui concerne les garanties Insolvabilité de Tiers et Litiges Contractuels, notre intervention est limitée à 7.500 EUR par sinistre et n'est acquise qu'au-delà d'un seuil de 250 EUR.

[33] Green card: Covered ↩

The insurer issues an insurance certificate (green card) as proof of cover as soon as liability cover is granted; it is valid in every country named on the certificate and not expressly crossed out, and ceases to be valid upon cancellation, suspension or end of the contract.

[34] Passenger accident: Covered ↩

Passengers of the insured vehicle are covered as third parties under the mandatory liability guarantee: bodily injury and clothing damage suffered by weak road users and passengers are indemnified with no cap on bodily injury; there is no separate passenger-accident capital sum.

les lésions corporelles et préjudices vestimentaires des usagers faibles et des passagers du véhicule.

[35] Bodily injury liability: Unlimited ↩

Compensation for bodily injury caused to third parties by the insured vehicle is unlimited; there is no maximum indemnity limit for physical injury claims.

Il n'y a aucune limite d'indemnisation pour les dommages résultant des lésions corporelles.

[36] Property damage liability: €100,000,000 ↩

Material damage caused to third parties by the insured vehicle is limited to a maximum of 100,000,000 EUR per claim, indexed in accordance with the law of 21 November 1989.

La limite d'indemnisation pour les dommages matériels s'élève à 100 millions d'euros par sinistre. Ce montant est indexé conformément à l'article 3 de la loi du 21 novembre 1989.

[37] Legal defence: €37,500 ↩

Optional guarantee covering legal fees, lawyer, expert and bailiff costs in civil recourse or criminal defence linked to the insured vehicle, up to a maximum intervention of 37,500 EUR with an intervention threshold of 148.74 EUR; if the responsible third party is insolvent, up to 6,250 EUR of the compensation owed is paid directly.

Lorsqu'à la suite d'un sinistre couvert par la garantie recours civil, le tiers responsable est dûment identifié et reconnu insolvable, nous payons l'indemnité dont ce tiers vous est redevable pour un montant maximal de €6.250

[38] Green card: Covered ↩

The insurer issues an insurance certificate (formerly known as the green card) as proof of the liability cover, valid in every country listed on it; it becomes invalid upon cancellation, termination or suspension of the contract.

Le certificat d'assurance n'est pas valable en cas d'annulation du contrat et cesse de l'être dès la fin du contrat ou dès la prise d'effet de la résiliation ou de la suspension du contrat.

[39] Passenger accident: Unlimited ↩

Bodily injury and clothing damage caused by the insured vehicle to weak road users and to passengers transported by it are compensated without limit, under the legal indemnification obligations for weak road users and innocent victims of traffic accidents.

les dommages corporels et préjudices vestimentaires causés par le véhicule assuré à des usagers faibles de la route et aux passagers.

[40] Bodily injury liability: Unlimited ↩

There is no indemnity limit for damages resulting from bodily injury caused to third parties.

Il n’y a aucune limite d’indemnisation pour les dommages résultant des lésions corporelles.

[41] Property damage liability: €100,000,000 – €120,067,656 ↩

The indemnity limit for material damage is €100,000,000 per claim, indexed under the law of 21 November 1989 (currently €120,067,656).

La limite d’indemnisation pour les dommages matériels s’élève à 100 millions d’euros par sinistre. Ce montant est indexé conformément à l’article 3 de la loi du 21 novembre 1989 relative à l’assurance obligatoire de la responsabilité en matière de véhicules automoteurs.

[42] Legal defence: €75,000 ↩

Optional guarantee that covers the insured's defence in case of offences, claims for damages against a third party, contractual disputes (e.g. with a repairer) or advances on compensation; costs and fees for experts, lawyers and legal proceedings are covered up to 75,000 EUR.

Protection juridique : cette garantie intervient pour vous défendre en cas d’infraction, si vous réclamez une indemnisation d’un tiers, en cas de litige contractuel par exemple avec votre garagiste ou encore pour une avance sur indemnisation. Les frais et honoraires d’expertises et enquêtes, d’intervention d’un avocat et de procédure en justice sont couverts.

[43] Green card: Covered ↩

The vehicle's insurance certificate lists the countries in which the liability cover applies.

Pour la garantie RC Véhicule automoteur, l’Omnium, la Protection juridique et le volet Assistance au véhicule de la Top Assistance : les pays validés sur le certificat d’assurance du véhicule.

[44] Passenger accident: €250,000 ↩

Optional extension of RC Max that compensates bodily injury or death of the main driver, their cohabiting partner and other insured passengers of a private car or van under 3.5t, worldwide, following a road accident abroad; capped at 250,000 EUR per injured or deceased insured person, after deduction of third-party payer interventions.

Le montant de l’intervention de la compagnie est limité à 250.000 EUR maximum par assuré blessé ou décédé.

[45] Bodily injury liability: Covered ↩

Third-party liability covers bodily injury damage (death or injury) caused to third parties with the insured vehicle; the reviewed CBC product pages do not publish a monetary ceiling for this cover.

Les dommages que vous causez à des tiers avec votre voiture, à savoir aussi bien les dommages matériels (au véhicule, à des bâtiments, etc.) que les dommages physiques (morts ou blessés).

[46] Property damage liability: Covered ↩

Third-party liability covers material damage caused to third parties (vehicles, buildings, etc.) with the insured vehicle; the reviewed CBC product pages do not publish a monetary ceiling for this cover.

Les dommages que vous causez à des tiers avec votre voiture, à savoir aussi bien les dommages matériels (au véhicule, à des bâtiments, etc.) que les dommages physiques (morts ou blessés).

[47] Legal defence: €100,000 ↩

Optional legal protection cover pays legal costs (lawyer, expert, bailiff fees, court costs) up to 100,000 EUR to help recover damages from an at-fault third party; if the liable party is insolvent, an additional top-up of up to 12,500 EUR is paid directly to the policyholder.

En outre, les frais de justice sont couverts jusqu'à 100.000 euros. Et si la partie adverse est incapable de vous indemniser, cette assurance interviendra jusqu'à 12.500 euros.

[48] Green card: Covered ↩

The mandatory liability cover is valid in Belgium and in all countries listed on the insurance certificate (green card) that are not crossed out.

La responsabilité civile (RC) est valable en Belgique et dans tous les pays cités sur votre certificat d'assurance (document de bord obligatoire) et qui ne sont pas biffés.

[49] Passenger accident: Covered ↩

Injuries suffered by a pedestrian, cyclist or passenger in a traffic accident involving the insured vehicle are covered by the mandatory liability insurance.

Les lésions occasionnées à un piéton, cycliste ou passager lors d'un accident de la circulation dans lequel votre voiture est impliquée.

[50] Bodily injury liability: Unlimited ↩

There is no ceiling on indemnification for damage resulting from bodily injuries caused to third parties by the insured vehicle.

Il n'y a aucune limite d'indemnisation pour les dommages résultant des lésions corporelles.

[51] Property damage liability: €100,000,000 ↩

The indemnification limit for material damage is 100 million euros per claim; this amount is indexed in line with the law of 21 November 1989 on compulsory motor liability insurance.

La limite d'indemnisation pour les dommages matériels s'élève à 100 millions d'euros par sinistre. Ce montant est indexé conformément à l'article 3 de la loi du 21 novembre 1989 relative à l'assurance obligatoire de la responsabilité en matière de véhicules automoteurs.

[52] Legal defence: €30,000 ↩

Optional Legal Protection guarantee covering civil recourse and the insured's criminal defence, with reimbursement of lawyer, expert and bailiff fees and judicial/extrajudicial costs up to 30,000 EUR; a separate indemnity of up to 7,500 EUR applies if the responsible third party is insolvent.

Recours civil et défense pénale : frais et honoraires d’avocat, expert et huissier, frais de procédure (extra)judiciaire, jusqu’à 30.000 euros. Indemnisation jusqu’à 7.500 euros si le tiers responsable est insolvable.

[53] Green card: Covered ↩

DVV issues an insurance certificate serving as proof of insurance; the mandatory RC guarantee is valid in every country shown on this certificate that is not expressly crossed out, in addition to Belgium.

La garantie est accordée pour un sinistre survenu dans tout pays pour lequel la garantie est accordée selon le certificat d'assurance.

[54] Passenger accident: Unlimited ↩

Under the mandatory indemnification obligations of the RC guarantee, DVV compensates, without needing to establish fault, bodily injury and clothing damage suffered by weak road users and by passengers of the insured vehicle (articles 29bis/29ter of the law of 21 November 1989); as with all bodily-injury claims, there is no indemnification ceiling.

Conformément à l'article 29bis de la loi du 21 novembre 1989 précitée, l'assureur est obligé d'indemniser tous les dommages décrits à cet article.

[55] Bodily injury liability: Unlimited ↩

Compensation for bodily injury caused to third parties by the insured vehicle is unlimited, with no cap on the indemnity.

Er is geen vergoedingsgrens voor schade als gevolg van lichamelijke letsels.

[56] Property damage liability: €100,000,000 ↩

Compensation for material/property damage caused to third parties by the insured vehicle is capped at €100,000,000 per claim, an amount indexed annually under article 3 of the Belgian law of 21 November 1989; damage caused by an act of terrorism is covered through Ethias's membership of the TRIP reinsurance pool, subject to a combined market-wide cap of €1.7 billion per calendar year.

De vergoedingsgrens voor materiële schade is 100 miljoen euro per schadegeval. Dit bedrag wordt geïndexeerd overeenkomstig artikel 3 van de wet van 21 november 1989...

[57] Legal defence: €25,000 – €75,000 ↩

Optional legal-assistance guarantee covering investigation, expert, lawyer and procedural costs before Belgian and foreign courts: the base 'Rechtsbijstand' tier covers up to €25,000 per claim, while the extended 'Rechtsbijstand Plus' tier covers up to €75,000 per claim and adds worldwide cover for negotiations and judicial/administrative proceedings plus insolvency-of-third-parties and repatriation cover within the EU, Norway and Switzerland.

Basis ... Tot € 25 000 per schadegeval. Plus ... Tot € 75 000 per schadegeval.

[58] Green card: Covered ↩

The Green Card is issued automatically with the mandatory civil liability cover and extends the policy's territorial validity to every country shown on the card that has not been struck out, in line with the international motor insurers' agreement.

[59] Passenger accident: Unlimited ↩

There is no standalone passenger-accident product; passengers of the insured vehicle qualify as 'weak road users' under article 29bis of the law of 21 November 1989, so the insurer must compensate their bodily injury without any indemnity limit, regardless of fault, as part of the mandatory civil liability cover. Only the driver can additionally be covered, and only under the optional Driver Accident Insurance.

De verzekeraar is verplicht, overeenkomstig artikel 29bis van voornoemde wet van 21 november 1989, alle schade te vergoeden zoals omschreven in dit artikel.

[60] Bodily injury liability: Unlimited ↩

Bodily injury caused to third parties is compensated without any indemnity limit, in accordance with the mandatory Belgian MTPL law of 21 November 1989.

Il n'y a aucune limite d'indemnisation pour les dommages résultant des lésions corporelles.

[61] Property damage liability: €100,000,000 ↩

Property damage caused to third parties is covered up to EUR 100 million per claim, an amount indexed annually in accordance with article 3 of the law of 21 November 1989.

La limite d'indemnisation pour les dommages matériels s'élève à 100 millions d'euros par sinistre. Ce montant est indexé conformément à l'article 3 de la loi du 21 novembre 1989 relative à l'assurance obligatoire de la responsabilité en matière de véhicules automoteurs.

[62] Legal defence: €20,000 ↩

Legal Protection is an optional guarantee reimbursing costs, investigations and fees up to EUR 20,000 per claim for criminal defence and for pursuing recovery actions related to the use of the insured vehicle, plus a specific contractual dispute cover against garages, cleaners and fuel stations within the same limit.

De Verzekeraar neemt tot het beloop van 20.000 EUR per schadegeval, de kosten van allerlei stappen, onderzoeken en honoraria ten laste voortvloeiend uit: — de strafverdediging van een verzekerde...

[63] Green card: Covered ↩

The insurance certificate (green card) is delivered as proof of MTPL cover and lists the countries for which the guarantee is granted, including all EU member states and a number of other listed non-EU countries.

Burgerlijke Aansprakelijkheid, Bijkomende Risico's, Rechtsbijstand en Verzekering bestuurder: In alle landen van de EU, het Verenigd Koninkrijk, in de vorstendommen Andorra en Monaco, in Vaticaanstad, in Ijsland, Liechtenstein, Noorwegen, Servië, San-Marino, Zwitserland, Marokko, Tunesië en Turkije, en in Albanië, Bosnië-Herzegovina, Macedonië en Montenegro (= landen vermeld op het verzekeringsbewijs).

[64] Passenger accident: See details ↩

No standalone passenger-accident sum insured is described in the reviewed sources; transported persons are covered as third parties under the mandatory liability guarantee, and the optional Driver Insurance (Dekking V) covers only the driver, not other passengers.

[65] Bodily injury liability: Covered ↩

Mandatory third-party liability coverage for bodily injury caused to third parties through use of the insured vehicle. The statutory minimum amounts are set by Belgian royal decree (KB 5 February 2019, 'Minimumvoorwaarden BA Auto') and are not restated as a monetary figure in the policy documents reviewed.

De verzekering Burgerlijke Aansprakelijkheid Motorrijtuigen is een wettelijk verplichte verzekering voor zowel stoffelijke als letselschade die jij zou veroorzaken bij het gebruik van jouw motorrijtuig. […] Van de tekst mag niet afgeweken worden, tenzij in jouw voordeel. De integrale wettelijke tekst vind je op onze website www.nn.be/nl/nnmobility/documents onder het trefwoord "Minimumvoorwaarden BA Motorrijtuigenverzekering".

[66] Property damage liability: Covered ↩

Mandatory third-party liability coverage for material/property damage caused to third parties through use of the insured vehicle. The statutory minimum amounts are set by Belgian royal decree (KB 5 February 2019) and are not restated as a monetary figure in the policy documents reviewed.

De verzekering Burgerlijke Aansprakelijkheid Motorrijtuigen is een wettelijk verplichte verzekering voor zowel stoffelijke als letselschade die jij zou veroorzaken bij het gebruik van jouw motorrijtuig. […] Van de tekst mag niet afgeweken worden, tenzij in jouw voordeel. De integrale wettelijke tekst vind je op onze website www.nn.be/nl/nnmobility/documents onder het trefwoord "Minimumvoorwaarden BA Motorrijtuigenverzekering".

[67] Legal defence: €75,000 ↩

Optional legal assistance cover reimbursing lawyer, expert and court costs incurred to defend the insured's interests, up to a maximum of €75,000 per claim for all insured persons combined.

de kosten en erelonen die verschuldigd zijn aan advocaten, gerechtsdeurwaarders en deskundigen; […] de kosten van de gerechtelijke of buitengerechtelijke procedure; […] Het geheel van de hiervoor vermelde kosten is verzekerd tot maximaal 75.000 EUR per schadegeval en voor alle verzekerden samen.

[68] Green card: Covered ↩

Territorial coverage of the mandatory liability insurance extends to all countries listed on the vehicle's insurance certificate (green card); no separate green-card monetary limit or fee is specified in the reviewed documents.

[69] Passenger accident: Covered ↩

Under the mandatory third-party liability cover, bodily injury or death suffered by vulnerable road users and passengers of the insured vehicle is compensated per article 29bis of the Belgian law of 21 November 1989, regardless of fault; no separate monetary ceiling beyond the statutory scheme is stated in the reviewed documents.

Bij een verkeersongeval waarbij het verzekerde motorrijtuig betrokken is, wordt conform artikel 50 van de minimumvoorwaarden, met uitzondering van de stoffelijke schade, alle schade veroorzaakt aan elk verkeersslachtoffer of aan zijn rechthebbenden en voortvloeiend uit lichamelijke letsels of het overlijden, vergoed door de verzekeraar, overeenkomstig artikel 29bis van de wet van 21 november 1989 met betrekking tot het stelsel van de automatische vergoeding van de schade geleden door zwakke weggebruikers en passagiers van motorrijtuigen.

[70] Bodily injury liability: Covered ↩

Covers bodily injury (death or injuries) that the policyholder causes to third parties with the vehicle, including injuries to pedestrians, cyclists or passengers, even when the policyholder is not at fault.

Loss, damage or injury you cause with your vehicle to third parties, both material (e.g., exterior damage, damage to buildings, etc.) and physical (i.e. death or injuries) Injuries sustained by pedestrians, cyclists or passengers in traffic accidents in which your car is involved Even if you are not liable, you can claim on this insurance.

[71] Property damage liability: Covered ↩

Covers material damage (e.g. exterior damage, damage to buildings) that the policyholder causes to third parties with the vehicle.

Loss, damage or injury you cause with your vehicle to third parties, both material (e.g., exterior damage, damage to buildings, etc.) and physical (i.e. death or injuries)

[72] Legal defence: Optional ↩

Legal Assistance Insurance is listed as a separate cover that can be included, alongside the compulsory liability cover, within the KBC Vehicle Insurance for Passenger Cars policy; it is not part of the base third-party liability cover itself.

The KBC Vehicle Insurance for Passenger Cars may contain one or more of the following insurances: the Compulsory third-party liability insurance, the Legal Assistance Insurance, the Fully Comprehensive Insurance, the Partial Comprehensive Insurance, the KBC-VAB Assistance, the Driver Accident Insurance.

[73] Green card: Covered ↩

The compulsory liability cover comes with an international motor vehicle insurance certificate; cover extends to Belgium and to any country not crossed out on that certificate.

The third-party liability insurance is valid in Belgium and all countries not crossed out on your international motor vehicle insurance certificate (that you must have in your vehicle at all times).

[74] Passenger accident: Covered ↩

Injuries sustained by passengers in a traffic accident involving the insured car are covered under the liability cover as vulnerable road users, even if the policyholder is not at fault.

Injuries sustained by pedestrians, cyclists or passengers in traffic accidents in which your car is involved Even if you are not liable, you can claim on this insurance.

[75] Bodily injury liability: Covered ↩

Covers death or injuries you cause to third parties with your vehicle, including pedestrians, cyclists and passengers, even if you are not liable; the exact insured sum is not stated on the source pages.

Loss, damage or injury you cause with your vehicle to third parties, both material (e.g., exterior damage, damage to buildings, etc.) and physical (i.e. death or injuries)

[76] Property damage liability: Covered ↩

Covers material loss or damage you cause to third parties with your vehicle (e.g. exterior damage, damage to buildings); the exact insured sum is not stated on the source pages.

Loss, damage or injury you cause with your vehicle to third parties, both material (e.g., exterior damage, damage to buildings, etc.) and physical (i.e. death or injuries)

[77] Legal defence: €100,000 ↩

Optional legal assistance cover for disputes following a claim; legal expenses are covered up to 100,000 euros, and if the other party is unable to pay compensation the insurer covers up to 12,500 euros.

the legal expenses arising from the dispute are covered up to 100 000 euros. If the other party is unable to pay compensation, this insurance will cover you up to 12 500 euros.

[78] Green card: Covered ↩

The third-party liability insurance is automatically valid in Belgium and in all countries not crossed out on the international motor vehicle insurance certificate (green card) that must be carried in the vehicle.

The third-party liability insurance is valid in Belgium and all countries not crossed out on your international motor vehicle insurance certificate (that you must have in your vehicle at all times).

[79] Passenger accident: Covered ↩

Injuries sustained by pedestrians, cyclists or passengers in traffic accidents involving your car are covered, and you can claim on this insurance even if you are not liable.

Injuries sustained by pedestrians, cyclists or passengers in traffic accidents in which your car is involved Even if you are not liable, you can claim on this insurance.

[80] Bodily injury liability: Unlimited ↩

There is no indemnity limit for damage resulting from bodily injury caused to third parties by the insured vehicle.

Il n'y a aucune limite d'indemnisation pour les dommages résultant des lésions corporelles.

[81] Property damage liability: €100,000,000 ↩

Compensation for material damage caused to third parties is capped at €100,000,000 per claim; this amount is indexed in accordance with the Law of 21 November 1989 on compulsory motor liability insurance.

La limite d'indemnisation pour les dommages matériels s'élève à 100 millions d'euros par sinistre. Ce montant est indexé conformément à l'article 3 de la loi du 21 novembre 1989 relative à l'assurance obligatoire de la responsabilité en matière de véhicules automoteurs.

[82] Legal defence: €150,000 ↩

Optional guarantee covering civil/criminal defence and civil recourse costs relating to the insured vehicle, up to €150,000 (VAT incl.) per claim, except for narrower sub-guarantees (insolvency of third parties, advance of funds, criminal bail, vehicle repatriation, psychological assistance) which carry their own lower caps. On first request, Aedes aligns its cover with any broader claims settlement offered by a competing Belgian motor legal-protection policy.

Aedes intervient à concurrence d'un montant maximum de 150.000 € TVAC par sinistre à l'exception des garanties « insolvabilité des tiers », « avance de fonds », « caution pénale », « rapatriement du véhicule » et « assistance psychologique ».

[83] Green card: Covered ↩

The compulsory liability guarantee is valid in every country shown on the insurance certificate; the contract automatically ends as soon as the insured vehicle is registered in a country other than Belgium.

Dès que le véhicule automoteur désigné est immatriculé dans un autre État que la Belgique, le contrat prend fin de plein droit.

[84] Passenger accident: Unlimited ↩

Passengers transported in the insured vehicle are covered as third parties under the compulsory bodily injury liability guarantee, without any monetary limit; weak road users and their passengers additionally benefit from the no-fault indemnification scheme under Article 29bis of the Law of 21 November 1989. There is no separate passenger-accident capital comparable to the optional Driver guarantee, which insures only the authorised driver.

[85] Bodily injury liability: Unlimited ↩

Bodily injury liability is unlimited under the mandatory Belgian motor third-party liability cover.

Il n'y a aucune limite d'indemnisation pour les dommages résultant des lésions corporelles.

[86] Property damage liability: €100,000,000 ↩

Property damage liability is capped at €100,000,000 per claim, indexed every five years to the Belgian consumer price index.

La limite d'indemnisation pour les dommages matériels s'élève à 100 millions d'euros par sinistre. Ce montant est indexé conformément à l'article 3 de la loi du 21 novembre 1989 relative à l'assurance obligatoire de la responsabilité en matière de véhicules automoteurs.

[87] Legal defence: €75,000 ↩

Optional legal protection cover reimburses legal defence costs up to €75,000 (VAT included) per claim, covering criminal defence, civil recourse, and contractual or administrative disputes related to the insured vehicle.

La couverture s'élève à un maximum de 75.000 € TVA comprise par sinistre à l'exception des garanties insolvabilité des tiers, avance de fonds, caution pénale et assistance psychologique.

[88] Green card: Covered ↩

The insurance certificate (green card) proves the existence of the mandatory liability cover and specifies the countries in which the guarantee applies (EU member states plus additional listed countries).

Le certificat d'assurance (appelé aussi carte verte) : le document que l'assureur délivre au preneur d'assurance comme preuve de l'assurance, conformément à la législation en vigueur.

[89] Passenger accident: Unlimited ↩

Passengers and other non-driver road users injured in an accident involving the insured vehicle are compensated for bodily injury under the mandatory indemnification of vulnerable road users (Article 29bis of the Law of 21 November 1989), regardless of fault.

Conformément à l'article 29bis de la loi du 21 novembre 1989 précitée, l'assureur est obligé d'indemniser tous les dommages décrits à cet article.

[90] Bodily injury liability: Unlimited ↩

There is no indemnity limit for damages resulting from bodily injury caused to third parties by the insured vehicle.

[91] Property damage liability: €100,000,000 ↩

The indemnity limit for material damage is EUR 100 million per claim, indexed in accordance with the law of 21 November 1989 on compulsory motor insurance.

La limite d'indemnisation pour les dommages matériels s'élève à 100 millions d'euros par sinistre. Ce montant est indexé conformément à l'article 3 de la loi du 21 novembre 1989 relative à l'assurance obligatoire de la responsabilité en matière de véhicules automoteurs.

[92] Legal defence: €125,000 ↩

Optional legal protection guarantee (Title 2), managed by Arces, covering legal fees, expert and lawyer costs up to EUR 125,000 including VAT per claim; sub-guarantees such as insolvency of third parties, advance of funds, penal bail and vehicle repatriation are capped at EUR 25,000 including VAT.

[93] Green card: Covered ↩

Every BA policy automatically includes an insurance certificate (the former 'green card', now a white document) proving cover in Belgium and in every non-crossed-out country listed on it; no separate premium applies for this certificate.

Op uw verzekeringsbewijs staat de lijst met de landen waar uw autoverzekering geldig is.

[94] Passenger accident: Unlimited ↩

Passengers carried in the insured vehicle are treated as third parties and are compensated, without any indemnity ceiling for bodily injury, whenever the insured driver is held liable for the accident; the liable driver's own bodily injury is excluded from this liability cover (a separate optional Driver protection guarantee applies to the driver).

Ook uw eigen passagiers zijn gedekt voor letselschade.

[95] Bodily injury liability: Covered ↩

Legally mandatory Civil Liability cover indemnifies third parties for bodily injury caused by the insured vehicle; the reviewed product documents do not state a specific monetary limit (governed by the statutory RC Auto minimum conditions).

Responsabilité Civile (obligation légale) : indemnise les dommages que vous occasionnez à des tiers ;

[96] Property damage liability: Covered ↩

Legally mandatory Civil Liability cover indemnifies third parties for damage to vehicles, property or belongings caused by the insured vehicle; no specific monetary limit is stated in the reviewed product documents.

Responsabilité Civile (obligation légale) : indemnise les dommages que vous occasionnez à des tiers ;

[97] Legal defence: Optional ↩

Optional cover that pays lawyer, expert and court costs to defend the policyholder's interests, including when the at-fault third party's insurer defaults, and helps with traffic-offence proceedings and repair disputes; fines and penal settlements are excluded.

Protection juridique : prend en charge tous les frais de défense de vos intérêts, tels que les frais d'avocat ou de justice ;

[98] Green card: Covered ↩

The insurance certificate proves cover for the Civil Liability (and Mini-/Omnium) guarantee in the countries listed on the card; policyholders are advised to keep it in the vehicle, especially when travelling abroad.

Les couvertures « Responsabilité Civile » et « (Mini-)Omnium » sont valables dans les pays mentionnés sur la carte d'assurance.

[99] Passenger accident: See details ↩

No dedicated passenger-accident sum-insured product is described; the closest optional cover, 'Assistance to persons', provides assistance and possible repatriation to the insured after an accident rather than a fixed indemnity for passengers.

Assistance aux personnes : assistance à l'assuré ; personnes en cas d'accident ainsi que rapatriement éventuel ;

[100] Bodily injury liability: Unlimited ↩

There is no indemnity limit for damage resulting from bodily injury caused by the insured vehicle to third parties, in line with the mandatory minimum conditions for Belgian motor liability insurance.

Er is geen vergoedingsgrens voor schade voortvloeiend uit lichamelijke letsels.

[101] Property damage liability: €100,000,000 ↩

Compensation for material (property) damage caused to third parties is capped at 100,000,000 EUR per claim, a limit indexed under article 3 of the Belgian law of 21 November 1989 on compulsory motor liability insurance.

De vergoedingsgrens voor stoffelijke schade bedraagt 100 miljoen euro per schadegeval. Dit bedrag wordt geïndexeerd overeenkomstig artikel 3 van de wet van 21 november 1989 betreffende de verplichte aansprakelijkheidsverzekering inzake motorrijtuigen.

[102] Legal defence: €25,000 ↩

An optional Legal Protection guarantee, managed independently by Legal Village SA, covers legal costs (lawyer, bailiff, expert fees) up to 25,000 EUR per claim for civil recovery, criminal defence and 'weak road user' recourse claims; contractual disputes (e.g. EV charging point installation, car-wash disputes) are capped at 5,000 EUR per claim in the current edition. This is separate from the statutory defence-cost cover under the compulsory liability guarantee, where the insurer pays lawyer and expert fees for defending the insured's own liability even beyond the indemnity limits.

Los van de kosten van zijn eigen diensten, die worden gemaakt om het schadegeval in der minne te regelen, nemen de Verzekeraar tot 25.000,00 € per schadegeval de kosten ten laste voor de verdediging van uw juridische belangen

[103] Green card: See details ↩

The reviewed sources do not specify a separate green-card fee or value; third-party liability is confirmed valid in all countries listed on the insurance certificate.

De dekking wordt verleend voor een schadegeval dat zich heeft voorgedaan in enig land waarvoor de dekking verleend wordt volgens het verzekeringsbewijs.

[104] Passenger accident: Unlimited ↩

Passengers transported by the insured vehicle are protected third parties under the compulsory liability guarantee; their bodily injury compensation is unlimited, unlike the driver's own bodily injury, which is excluded from the base liability guarantee and only covered under the separate optional driver-accident guarantee.

Er is geen vergoedingsgrens voor schade voortvloeiend uit lichamelijke letsels.