Aedes SA (managing general agent / mandated underwriter)
Aedes
Aedes is a motor third-party liability insurance for the Belgium market with no online purchase and 24/7 assistance.
Direct payment
Direct payment to the garage can be arranged.
Geographic scope
Nationwide (Belgium)
Third-party liability, Omnium, driver protection and vehicle assistance apply in the countries covered by the insurance certificate (green card); legal defence and assistance to persons apply worldwide.
Unique selling points
- Covers up to €5,000 for safety measures on hybrid or electric vehicles to prevent battery fires or further damage, a benefit competitors often exclude.
- Monthly premium instalments are available via direct debit with no surcharge.
- Direct payment to the repair garage can be arranged, avoiding upfront costs for the policyholder.
- Legal defence cover up to €150,000 per claim, and Aedes commits to align its policy on first request with any competitor offering broader claims settlement.
- Vehicle covered at invoice value (excl. VAT), with a favourable degressivity scale of 100%/90%/80% of that value up to 72 months after first registration.
Coverage limits
Bodily Injury Liability
unlimited
There is no compensation limit for damage resulting from bodily injury caused by the insured vehicle to third parties.
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.
Motor 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.
Green Card / International Insurance Certificate
No limit stated
The sources describe territorial cover based on the countries listed on the insurance certificate, but do not describe a distinct 'green card' benefit with its own value or limit.
Vehicle Roadside Assistance
Conditional
Covers roadside help, towing, replacement vehicle and passenger transport after a technical incident (accident, breakdown, theft, fire, vandalism, animal damage). A basic extension tied to the BA guarantee (post-accident assistance) is limited to Belgium or up to 30 km beyond the border; the full 'Bijstand Auto' title (with abroad hotel costs up to €65/night, max €650, and replacement vehicles) is automatically included in Pol-Air and optional in P30, P35, P40, P50 and P60.
Driver Personal Accident Protection
€500,000
Covers bodily injury or death of the authorised driver. For drivers over 30, compensation is calculated under common law, capped at €500,000 per claim including interest and costs. For drivers under 30, compensation is calculated on a fixed scale: death benefit €25,000 (non-cumulable with permanent disability benefit), permanent disability €500/€750/€1,000 per % depending on the disability band, medical treatment costs up to €5,000 over 3 years, and clothing compensation up to €500. Automatically included in Pol-Air; optional in P30, P35, P40, P50 and P60.
Passenger Personal Accident Protection
No limit stated
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.
Key conditions
Territorial scope
Third-party liability, Omnium, driver protection and vehicle assistance apply in the countries covered by the insurance certificate; legal defence and assistance to persons apply worldwide.
Green card rules
When a claim occurs outside Belgium, the cover applied is that provided by the compulsory motor insurance legislation of the country where the claim occurred, but applying that foreign law may never deprive the insured of the broader cover granted by Belgian law; cover is granted for any country listed on the insurance certificate.
Driver restrictions
Pol-Air is designed for drivers aged 30 to 74; a non-indexed deductible of €250 applies per claim when the insured vehicle was driven by a person under 25 years old.
Claim notification deadline
Claims must be reported in writing immediately and at the latest within 8 days of occurrence.
Bonus-malus rules
No formal bonus-malus scale is described in the sources. Aedes may revise tariff conditions, giving the policyholder at least 4 months' notice before the annual renewal and a 3-month right to cancel; Aedes issues an annual claims-history statement to the policyholder; a specific €250 deductible applies when the vehicle is driven by a person under 25.
Policy specifics
Pack Tranquility
Optional bundled benefit package including driver protection, legal protection for auto, and vehicle assistance
SourceOmnium Coverage (Full or Limited)
Optional comprehensive or limited theft, vandalism, accident, and weather damage coverage for the insured vehicle
SourceMinimum Driving Experience
Applicant must have minimum 5 years of continuous driving experience
SourceClaims History Requirements
Applicant must have no fault RC (liability) claims in past 5 years; maximum one material damage claim >€2,500; no total loss or theft claims
Source