ACM Belgium SA (non-life) and ACM Belgium Life SA (life), trading as ACM Insurance
ACM Insurance
ACM Insurance is a motor third-party liability insurance for the Belgium market with no online purchase and 24/7 assistance.
Direct payment
Except where a third-party payment arrangement applies with an approved glass supplier, claims (e.g. glass breakage) are reimbursed to the policyholder based on an invoice in their name, marked as paid by the supplier.
Geographic scope
Belgium (nationwide)
Belgium and, per the insurance certificate, every EU member state, Andorra, Monaco, Iceland, Liechtenstein, Norway, Switzerland, Serbia, Morocco, Tunisia, Turkey and the United Kingdom.
Unique selling points
- The BOB guarantee (a designated sober driver) is included in the premium at no extra cost, covering up to 25,000 EUR of material damage and 100,000 EUR of bodily injury/death.
- A 'Joker' mechanism protects your bonus-malus level: after reaching degree -3 with 5 claim-free years, your first at-fault claim will not raise your premium level.
- A 20% premium reduction is applied for low-mileage drivers covering less than 10,000 km per year.
- Monthly premium instalments are available at no additional splitting cost, unlike insurers that charge fractionation fees.
- Mini Assistance (breakdown/towing service and a category-B replacement vehicle) is included in the base premium, with no separate assistance subscription required.
Coverage limits
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.
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.
Legal defence (Protection juridique rider)
€25,000
Only in Protection juridique / Rechtsbijstand
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.
International motor insurance certificate (green card) coverage
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.
Roadside assistance (Mini/Maxi Assistance)
Covered
Only in Mini Assistance, Maxi Assistance
Mini Assistance is part of the compulsory liability guarantee and included in the premium: breakdown/towing service after an accident (reimbursed up to 200 EUR if self-organised, 400 EUR if imposed by the authorities), a category-B replacement vehicle for up to 5 days if the vehicle is immobilised over 4 hours, and repatriation of the vehicle and passengers if immobilised abroad more than 3 days, capped at the Eurotax value. Maxi Assistance is an optional paid upgrade adding cover for panne/fire/theft/vandalism, extending the replacement vehicle to 10 days (30 days after theft), and adding personal and Home Assistance services, valid up to 90 consecutive days abroad.
Driver accident protection (Protection du conducteur rider)
€1,250,000
Only in Protection du conducteur / Bescherming van de bestuurder
Optional rider covering the driver's bodily injury or death resulting from a traffic accident, carjacking, or loading/unloading of the insured vehicle, up to 1,250,000 EUR per claim. In case of death, forfeited moral-damage amounts apply: 15,000 EUR for a spouse/cohabiting partner, 15,000 EUR per first-degree relative, 7,500 EUR per second-degree relative. A BOB driver remains covered under these provisions even if this rider was not subscribed.
Passenger / vulnerable road user bodily injury compensation
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.
Key conditions
Territorial scope
Cover applies to claims on public roads or public/private land in Belgium and 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.
Green card rules
The insurance certificate (attestation d'assurance) lists the countries where cover is valid. When a claim occurs abroad, the compulsory motor-liability legislation of that country applies, but this can never reduce the broader protection granted under Belgian law.
Driver restrictions
The policyholder must have their habitual residence in Belgium, have reached the legal minimum driving age, and hold a valid driving licence issued or recognised under Belgian law matching the insured vehicle's category; the vehicle must be duly registered, roadworthy and hold a valid technical-inspection certificate. Non-compliance may lead to refusal of cover or nullity of the contract.
Claim notification deadline
The general conditions require any claim to be reported in writing within 8 days of becoming aware of it, while the IPID states 8 working days; theft must also be reported to the police (described as within 24 hours in the theft-guarantee definitions, though the general obligations article requires prompt notice), and any summons or judicial/extrajudicial document must be forwarded within 48 hours of service.
Bonus-malus rules
The bonus-malus scale runs from degree -3 to 22 with corresponding premium percentages (e.g. 51% at -3, 100% at the base degree 11, up to 230% at 22). New policyholders start at degree 11, reduced by 1 degree per year of licence held (down to -3) if 12 continuous months of prior EU insurance can be proven; each at-fault claim in the reference period adds 5 degrees; each claim-free insured year automatically reduces the degree by 1. A 'Joker' is earned once degree -3 is reached with 5 years claim-free: the next at-fault claim does not raise the degree, and a new Joker is earned after a further 3 consecutive claim-free years at -3.
Policy specifics
Replacement vehicle with assistance
Enhanced assistance coverage including replacement vehicle during repairs
SourceOmnium coverage tiers (Mini, Mini Plus, Full)
Three optional omnium packages with different levels of comprehensive coverage for vehicle damage
SourceLegal protection
Optional legal protection covering criminal defense and civil recourse; separate management to prevent conflicts of interest
SourceDriver protection
Optional coverage for bodily injury and physical damage to the insured driver
SourceBOB guarantee (designated sober driver)
Included at no extra premium: material damage to the vehicle up to 25,000 EUR (500 EUR deductible) and bodily injury/death of the BOB driver up to 100,000 EUR are covered when a designated sober driver (BOB) is at fault while exceptionally, gratuitously driving the insured vehicle for the policyholder, or when the insured acts as BOB for a third party's vehicle.
SourceBonus-malus system
Graduated bonus-malus rating system starting at base level 11; minimum level -3 (best bonus); 5-degree increase per claim involving policyholder fault within 5-year period
SourceDepreciation table for omnium coverage
Schedule of depreciation percentages applied after initial loss-free period (12-24 months depending on tier): 15-27% first year post-protection, then 12%, 9%, 6% annually until month 73 (6 years)
SourceEligibility and admissibility conditions
Minimum legal driving age; valid driver's license issued/recognized under Belgian law matching vehicle category; registered motor vehicle in roadworthy condition with valid registration certificate
SourceContract duration and automatic renewal
One-year term automatically renewed annually unless cancelled by either party per general conditions; first year cancellation allowed only at annual renewal date
SourceClaims notification deadline
All claims must be reported within 8 working days of occurrence; theft requires police report within 24 hours and notification to insurer
SourcePremium payment methods and frequency
Annual payment due before expiry date; installment plans available (quarterly or monthly) subject to insurer approval; payment via domiciliation or bank transfer
Source