Extracted from source documents

AG Motor third-party liability (Ba Auto Standard)

Underwritten by AG Insurance NV · Belgium

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

Verified May 9, 2026 · Terms dated 2023-11-18Sources

24/7 helpline

Unique selling points

Policyholders who reach bonus-malus level -2 receive the BA Max driver injury coverage automatically, free of charge, and for life — a benefit not typically included in standard MTPL policies.

AG's Turbo Bonus system ignores accidents older than 5 years in the bonus-malus calculation, meaning past claims have a limited long-term impact on your premium.

Free 24/7 immediate roadside assistance including a 24-hour replacement vehicle is included as standard with every BA Auto policy — no additional premium required.

Using an AG-approved repairer provides a free replacement vehicle for the entire repair period (not just 24 hours), a 3-year guarantee on parts and labour, and direct invoice payment by AG — at no extra cost versus other repairers.

The BOB+ guarantee covers damage to your vehicle when a designated driver (BOB) causes an accident, including situations where the BOB is injured (not just intoxicated) — free for customers with 3 or more AG contracts.

Coverage limits

Covered

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.

Clause Art. 34 §2Page p. 22/39

Section: Deel II > Hoofdstuk I: De waarborg > Artikel 34. Prestatie van de verzekeraar bij schade > § 2. Vergoedingsgrenzen

Er is geen vergoedingsgrens voor schade voortvloeiend uit lichamelijke letsels.

Covered

Property Damage Liability

€100M

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.

Clause Art. 34 §2Page p. 22/39

Section: Deel II > Hoofdstuk I: De waarborg > Artikel 34. Prestatie van de verzekeraar bij schade > § 2. Vergoedingsgrenzen

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.

Optional · Optionele dekkingen - Rechtsbijstand

Legal Defence (Rechtsbijstand)

€75K

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.

Page p. 1/2

Section: Wat is verzekerd? > Optionele dekkingen

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

Covered

Green Card / International Insurance Certificate

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.

Page p. 3/39

Section: Inleiding > De onmiddellijke bijstand

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.

Covered

Immediate Roadside Assistance (24/7)

Covered

Free 24/7 immediate assistance included with BA Auto after an accident or flat tyre in Belgium or within 30 km of the Belgian border: towing to garage of choice, replacement vehicle for 24 hours (extended to Monday if the accident occurs on Friday or weekend), transport of occupants to their destination, and notification of family/employer. In green card countries more than 30 km outside Belgium, AG organises towing to the nearest garage. Limited to passenger cars, motorcycles, motorhomes under 3.5 t, and vans under 3.5 t.

Page p. 3/39

Section: Inleiding > De onmiddellijke bijstand

Als u geïmmobiliseerd bent na een verkeersongeval (of lekke band), in België of 30 km buiten de landsgrenzen, kan u 24u / 24 rekenen op gratis bijstand.

Driver Accident Coverage (BA Max)

Reviewed documents disagree

The standard BA Auto does not cover the driver's bodily injuries. Policyholders who reach bonus-malus level -2 automatically and free of charge receive BA Max, which covers the driver's bodily injuries in accidents, even when at fault, worldwide and for life as long as the policyholder remains insured with AG (except in specific exclusion situations). AG's own documents disagree on the maximum amount: the General Terms and Conditions (BA Max annex, 18/11/2023 edition) state a cap of 250,000 EUR per claim, while the IPID states a cap of 300,000 EUR in BA Max. Excluded: accidents caused by criminal alcohol intoxication, driving without a valid licence, or non-use of a seatbelt.

Page p. 1/2

Section: Zijn er dekkingsbeperkingen?

tussenkomst tot max. 120.067.655,54 EUR per schadegeval voor stoffelijke schade en 300.000 EUR in BA Max;

Covered

Passenger Bodily Injury Coverage

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).

Clause Art. 41Page p. 25/39

Section: Deel II > Hoofdstuk I: De waarborg > Artikel 41. Verzekerde personen

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

Key conditions

Driver restrictions

The policyholder must declare the identity of the main driver and any regular driver under 23 years of age at contract inception. Any change in the main driver or the addition of a regular driver under 23 must be reported during the contract. Driving under the influence of alcohol or drugs is an exclusion that gives the insurer a right of recourse. Driving without a valid licence is excluded and gives rise to recourse. The insurer commits that the age of the driver will never, by itself, be the reason for a remediation measure.

Claim notification deadline

Every claim must be reported immediately and at the latest within 8 days of occurrence, in writing to the insurer or the designated person in the contract. The insurer may not invoke this deadline if notification was made as soon as reasonably possible. All summons and judicial/extrajudicial documents must be forwarded to the insurer within 48 hours of receipt by the insured.

Bonus-malus rules

AG operates the 'Turbo Bonus' a posteriori personalisation system with a scale from grade -2 (lowest, 54% of base premium) to grade 22 (highest, 200% of base premium). New policies enter at grade 14 (100%) or grade 11 (85%) for limited-use vehicles. Each claim-free observation period results in a drop of 1 grade; each at-fault claim triggers a rise of 5 grades per claim. Once grade -2 is reached, premium cannot rise further due to further claims (no grade increase applies at -2). AG's Turbo Bonus system does not take into account accidents older than 5 years when determining the personalisation grade. At grade -2, the BA Max driver coverage is automatically and freely granted for life.

Territorial scope

All countries listed on the vehicle insurance certificate (green card); bodily injury coverage under BA Max is worldwide

Documents

Algemene voorwaarden Verzekering BA Auto (Editie 18/11/2023) (opens in a new tab)

Terms & conditions · PDF

IPID Fiche - Motorrijtuigenverzekering - AG Insurance (0079-8294536N-01102024) (opens in a new tab)

Product information sheet · PDF

Algemene voorwaarden Verzekering B.A. Auto (Editie 16/02/2019) - via defa.be (opens in a new tab)

Terms & conditions · PDF

Policy specifics

BA Max Driver Coverage

Free automatic coverage for drivers with bonus-malus -2 level, providing compensation for driver injuries in accidents (including when driver is at fault), worldwide except in specific exclusion situations. AG's documents differ on the exact maximum (250,000 EUR per the general terms and conditions vs 300,000 EUR per the IPID).

Source

Section: Dekking van de letsels van de bestuurder

Zit je aan een bonus-malus niveau -2? AG biedt je zonder bijpremie automatisch de BA Max, die je letsels dekt tot 300.000 euro als je achter het stuur zat op het moment van het ongeval.

BOB+ Guarantee

Optional guarantee protecting drivers who act as designated drivers (BOB). Covers material damage to insured vehicle up to 25,000 EUR with 500 EUR deductible when BOB causes accident due to inebriation or injury, or when policyholder uses a BOB due to own inebriation/injury. Free for customers with 3+ AG policies.

Source

Section: Wat dekt de waarborg BOB+?

Wanneer je het stuur overneemt van een vriend die te veel gedronken heeft of gewond is geraakt, en zijn auto niet verzekerd is tegen materiële schade, dan vergoedt de waarborg BOB+ tot 25.000 euro materiële schade bij een verkeersongeval in fout (500 euro vrijstelling).

Replacement Vehicle Service

24-hour replacement vehicle provided in Belgium after accident or breakdown. Extended to entire repair period if using AG-approved repairer. In accidents with recognized repairers, replacement vehicle provided for full repair duration.

Source

Section: Vervangvoertuig

Is het onmogelijk om je reis voort te zetten? Gedurende 24 uur stellen we jou een vervangvoertuig ter beschikking. Laat je je auto herstellen door een AG-erkende hersteller? Je krijgt een vervangvoertuig zolang je voertuig buiten gebruik is!

KM Bonus Discount

Discount for drivers with low annual mileage (less than 25,000 km/year). Up to 15% discount for electric and petrol cars, up to 10% for diesel vehicles, depending on kilometers driven. Applies to all vehicle types.

Source

Section: Veelgestelde vragen > Wordt mijn autoverzekering goedkoper als ik niet veel rijd?

Hoe minder je rijdt, hoe kleiner het risico op een ongeval. Daarom biedt AG je de AG KmBonus: een lager tarief als je weinig kilometers per jaar rijdt. En dat geldt voor alle soorten auto's (diesel, benzine, hybride, elektrisch of CNG).

Approved Repairer Network

Policyholders may choose any repairer, but using AG-approved repairers provides advantages including lower deductible, extended replacement vehicle period (for duration of repair), and direct invoice payment by insurer.

Source

Annual Contract Duration with Tacit Renewal

BA Auto contract is concluded for 1-year period with automatic tacit renewal for same period unless policyholder objects 2 months before expiry or insurer objects 3 months before expiry.

Source

Section: Waar en wanneer komt de verzekering BA Auto tussen?

Het contract BA Auto is een contract met een duur van 1 jaar dat stilzwijgend wordt verlengd met dezelfde periode, tenzij u zich hiertegen verzet ten minste 2 maanden vóór de vervaldag van het contract of wanneer wij ons hiertegen verzetten ten minste 3 maanden voor de vervaldag van het contract.

Coverage Territory - Green Card Countries

BA Auto covers liability in all countries listed on vehicle green card (international insurance certificate). For accidents outside Belgium, coverage extends up to 30 km beyond border. BA Max coverage (driver protection) applies worldwide.

Source

Section: Waar en wanneer komt de verzekering BA Auto tussen?

In alle landen die vermeld staan op je verzekeringsbewijs (je vroegere 'groene kaart'). Als je gedekt bent, geldt de BA Max wereldwijd.

Minimum Coverage Limits

Unlimited coverage for bodily harm (personal injury) damages. Maximum 100 million EUR per claim for material damages (indexed amount). Coverage mandatorily includes compensation for all authorized drivers and passengers.

SourceClause Art. 34 §2Page p. 21/38

Section: Deel II > Hoofdstuk I: De waarborg > Artikel 34. Prestatie van de verzekeraar bij schade > § 2. Vergoedingsgrenzen

Er is geen vergoedingsgrens voor schade voortvloeiend uit lichamelijke letsels. De vergoedingsgrens voor stoffelijke schade bedraagt 100 miljoen euro per schadegeval.

Sources

AG Motor third-party liability

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