Extracted from source documents

Aedes Motor third-party liability (Pol Air)

Underwritten by Aedes NV · Belgium

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

Verified Aug 26, 2026 · Terms dated 2025-05-23Sources

24/7 helpline

Unique selling points

Covers up to €5,000 for safety measures on hybrid or electric vehicles to prevent battery fires or further damage.

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

Liability limit (covers injury + property damage)

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

Pol-Air€30€35€40€50€60
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Motor Legal Defence

€150K

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.

Clause Art. 4Page 53

Section: Titel IV: Rechtsbijstand Auto > Hoofdstuk 1 > Artikel 4. Vergoedingsplafond

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".

Green Card / International Insurance Certificate

No limit stated

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.

Page 2

Section: Où suis-je couvert(e) ? > La garantie « Responsabilité Civile »

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

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Vehicle Roadside Assistance

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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.

Clause A.1Page 59

Section: Titel V: Bijstand Auto > A. Uitbreiding van de aansprakelijkheidswaarborg P30, P35, P40, P50 en P60 > Bijstandsverlening na een ongeval

U geniet van de bijstandsverlening na een ongeval zodra uw BA-waarborg P30, P35, P40, P50 of P60 hebt onderschreven voor het voertuig vermeld in de bijzondere voorwaarden in werking is getreden.

Conditional

Driver Personal Accident Protection

€500K

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.

Clause Art. 1Page 46

Section: Titel III: Bestuurder > Hoofdstuk 1 > Artikel 1. Voorwerp van de overeenkomst

Wanneer zich een schadegeval met een bestuurder van meer dan 30 jaar oud op het moment van het schadegeval voordoet, wordt de schadevergoeding berekend volgens de regels van het gemeen recht en is geplafonneerd op een bedrag van maximaal 500.000 EUR per schadegeval, inclusief interesten en bijkomende kosten.

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

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

Aedes does not apply a bonus-malus scale. It 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.

SourceClause Art. 11Page 80

Section: Titel VII: Gemeenschappelijke bepalingen > Hoofdstuk 2: Betaling van de premies, wijziging van de verzekeringsvoorwaarden en van het tarief > Artikel 11. Aanpassing van de tariefvoorwaarden

De verzekeringnemer wordt ten minste 4 maanden voor de jaarlijkse vervaldag van zijn verzekeringsovereenkomst op de hoogte gesteld van de tariefwijziging. De verzekeringnemer behoudt zijn recht om de overeenkomst op te zeggen binnen een termijn van 3 maanden te rekenen vanaf de dag van de vermelde kennisgeving.

Territorial scope

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.

Documents

General Terms and Conditions Pol-Air, P30, P35, P40, P50, P60 (Dutch) (opens in a new tab)

Terms & conditions · PDF

IPID - Motor Vehicle Insurance Pol-Air (opens in a new tab)

Product information sheet · PDF

Policy specifics

Pack Tranquility

Optional bundled benefit package including driver protection, legal protection for auto, and vehicle assistance

Source

Section: Roulez en toute sérennité avec les meilleurs garanties ! Les garanties

En plus de la RC et de l’Omnium, vous pouvez opter pour le Pack Tranquillité afin de compléter votre couverture. Celui-ci est composé de 3 garanties qui peuvent être prises ensemble ou séparément.

Omnium Coverage (Full or Limited)

Optional comprehensive or limited theft, vandalism, accident, and weather damage coverage for the insured vehicle

Source

Section: Roulez en toute sérennité avec les meilleurs garanties ! Les garanties

Couvre votre propre véhicule contre les dommages suivants : ✔ Incendie ✔ Vol et tentative de vol ✔ Bris de vitre ✔ Forces de la nature (tempête, grêle, pression de la neige,…) ✔ Heurt d’animaux ✔ Dégâts matériels suite à un accident (même si vous êtes en tort) ou un acte de vandalisme ✔ Perte totale

Minimum Driving Experience

Applicant must have minimum 5 years of continuous driving experience

Source

Section: Puis-je bénéficier d'un contrat de la gamme en "P+" ?

Pouvoir justifier, au minimum, 5 ans d’ expérience de conduite ;

Vehicle Age Limit

Vehicle must have first circulation date less than 15 years old

Source

Section: Puis-je bénéficier d'un contrat de la gamme en "P+" ?

Avoir un véhicule dont la 1ère date de mise en circulation est inférieure à 15 ans.

Claims 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

Section: Puis-je bénéficier d'un contrat de la gamme en "P+" ?

Pouvoir justifier l’absence de sinistre RC en tort ** sur les 5 dernières années ; Pouvoir justifier qu’il n’y a pas eu de perte totale ni de vol complet sur les 5 dernières années ; Pouvoir justifier, au maximum, un sinistre en Dégâts matériels > 2.500 € sur les 5 dernières années.

Driving License Validity

Applicant must hold valid driving license for minimum 5 years

Source

Section: Puis-je bénéficier d'un contrat de la gamme en "P+" ?

Être titulaire d’un permis de conduire depuis, au minimum, 5 ans ;

Sources