Extracted from source documents

ACM Insurance Motor third-party liability (Mtpl Standard)

Underwritten by ACM Belgium NV · Belgium

motor third-party liability insurance from ACM Insurance for the Belgium market, with 24/7 assistance.

Verified Aug 26, 2026 · Terms dated 2025-09Sources

24/7 helpline

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.

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

Liability limit (covers injury + property damage)

One combined sum for both bodily injury and property damage, not two separate limits.

unlimited

Optional · Protection juridique / Rechtsbijstand

Legal defence (Protection juridique rider)

€25K

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.

Clause Art. 56Page 47

Section: PROTECTION JURIDIQUE > Art. 56. Défense pénale

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

Covered

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.

Clause Art. 17Page 30

Section: BURGERLIJKE AANSPRAKELIJKHEID > Afdeling I > Art. 17. Territoriale dekking

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.

Covered

Roadside assistance (Mini/Maxi Assistance)

Covered

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.

Clause Art. 81Page 62

Section: MINI BIJSTAND > Afdeling I - Bijstand aan het motorrijtuig en de passagiers > Art. 81. Geïmmobiliseerd motorrijtuig als gevolg van een verkeersongeval

De Bijstandsverlener organiseert de tussenkomst van een pechdienst en neemt dit voor zijn rekening en als er geen herstelling ter plaatse kan worden uitgevoerd, het wegslepen van het Motorrijtuig vanaf de plaats waar het geïmmobiliseerd staat tot de dichtstbijzijnde garage bij de woonplaats van de Begunstigde in België.

Optional · Protection du conducteur / Bescherming van de bestuurder

Driver accident protection (Protection du conducteur rider)

€1.3M

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.

Clause Art. 69Page 51

Section: PROTECTION DU CONDUCTEUR > Art. 69. Couverture

Cette couverture est accordée par sinistre, jusqu'à un maximum de 1.250.000,00 EUR.

Covered

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.

Page 1

Section: Qu'est-ce qui est assuré ? > Responsabilité civile (RC)

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).

Key conditions

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.

Territorial scope

Belgium and, per the insurance certificate, every EU member state, Andorra, Monaco, Iceland, Liechtenstein, Norway, Switzerland, Serbia, Morocco, Tunisia, Turkey and the United Kingdom.

Documents

General Terms and Conditions - ACM Insurance Motor Insurance (NL) (opens in a new tab)

Terms & conditions · PDF

General Terms and Conditions - ACM Insurance Motor Insurance (FR) (opens in a new tab)

Terms & conditions · PDF

IPID - Insurance Product Information Document (FR) (opens in a new tab)

Product information sheet · PDF

Policy specifics

Replacement vehicle with assistance

Enhanced assistance coverage including replacement vehicle during repairs

Source

Section: Nos solutions > Responsabilité Civile

Notre RC obligatoire couvre tous dommages occasionnés aux tiers. Vous bénéficiez en plus d'une assistance renforcée avec véhicule de remplacement.

Omnium coverage tiers (Mini, Mini Plus, Full)

Three optional omnium packages with different levels of comprehensive coverage for vehicle damage

Source

Section: Nos solutions

Mini Omnium Plus En plus des couvertures de la Mini Omnium, vous bénéficiez d'une garantie Premium en cas de perte totale de votre véhicule en cas d'accident, quelle que soit la responsabilité.

Legal protection

Optional legal protection covering criminal defense and civil recourse; separate management to prevent conflicts of interest

SourceClause Art. 52Page 46

Section: PROTECTION JURIDIQUE > Art. 52. Objet et portée de la garantie

La garantie Protection juridique a pour objet d'assister l'assuré dans la défense ou la mise en œuvre de ses droits en cas de litige juridique lié à l'utilisation du véhicule automoteur assuré.

Driver protection

Optional coverage for bodily injury and physical damage to the insured driver

SourcePage 1

Section: Qu'est-ce qui est assuré ? > Les garanties optionnelles

Protection du conducteur : indemnisation des dommages corporels automoteur dans la

BOB 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.

SourceClause Art. 35.1Page 36

Section: Section IV – Dispositions complémentaires > Art. 35. Garantie BOB > 35.1. Couverture

Nous indemnisons les dommages matériels jusqu'à un maximum de 25.000,00 euros par sinistre, avec une franchise de 500,00 euros. Nous indemnisons également, jusqu'à un maximum de 100.000,00 euros par sinistre, les dommages corporels ou le décès du conducteur BOB

Depreciation 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)

Source

Eligibility 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

SourceClause Art. 2Page 11

Section: DISPOSITIONS APPLICABLES A L'ENSEMBLE DU CONTRAT > Art. 2. Conditions d'admissibilité

Age légal : avoir atteint l'âge minimum légal requis pour la conduite d'un véhicule automoteur ; Permis de conduire : être titulaire d'un permis de conduire valable... Véhicule : être détenteur d'un véhicule automoteur dûment immatriculé, en état de circuler, et disposant d'un certificat de contrôle technique en règle.

Contract 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

Source

Section: Caractéristiques du produit > Durée

L’ACM Insurance Assurance Auto est conclue pour une durée d’un an et est reconduite tacitement d’année en année.

Claims notification deadline

All claims must be reported in writing within 8 days of becoming aware of them; theft requires a police report within 24 hours and notification to the insurer

SourceClause Art. 13.1Page 26

Section: Art. 13. Dispositions en cas de sinistre > 13.1. Obligations générales en cas de sinistre

Nous déclarer tout sinistre par écrit dans un délai de huit jours à compter du moment où vous en avez eu connaissance, ce délai ne commençant à courir que lorsque vous pouviez raisonnablement en faire la déclaration

Premium 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

Section: Caractéristiques du produit > Prime

Payable annuellement avant la date d’échéance. Le paiement échelonné est possible, sous réserve d’accord (par exemple trimestriel ou mensuel). Paiement par domiciliation ou virement.

Sources