AG
AG is a motor third-party liability insurance for the BE market with no online purchase and 24/7 assistance.
Direct payment
AG Insurance pays the repairer directly when repairs are carried out by an AG-approved repairer in the context of Multirisk/Omnium coverage or BA coverage for RDR-right accidents. For at-fault accidents without Omnium, the repair estimate can be approved by an AG Insurance expert.
Geographic scope
BE
All countries listed on the vehicle insurance certificate (green card); bodily injury coverage under BA Max is worldwide
Unique selling points
- Policyholders who reach bonus-malus level -2 receive the BA Max driver injury coverage (up to 300,000 EUR) 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, and uniquely extends this protection to situations where the BOB is injured (not just intoxicated) — free for customers with 3 or more AG contracts.
Coverage limits
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.
SourceProperty Damage Liability
Covered
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.
SourceLegal Defence (Rechtsbijstand)
Optional
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.
SourceGreen 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.
SourceImmediate 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.
SourceDriver Accident Coverage (BA Max)
Conditional
The standard BA Auto does not cover the driver's bodily injuries. However, policyholders who reach bonus-malus level -2 automatically and free of charge receive BA Max, which covers the driver's bodily injuries up to 250,000 EUR per claim (as per the 2023 T&C), even in at-fault accidents. The official product page mentions 300,000 EUR for the current applicable amount. Coverage is worldwide and is maintained for life as long as the policyholder remains insured with AG (except in specific exclusion situations). Excluded: accidents caused by criminal alcohol intoxication, driving without valid licence, or non-use of seatbelt.
SourcePassenger 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).
SourceKey conditions
territorial_scope
Coverage applies in all countries listed on the vehicle insurance certificate (green card) for BA liability, Omnium, legal defence, and the vehicle assistance component of Top Bijstand. Personal assistance under Top Bijstand, BA Max, and BA Max XL applies worldwide. For accidents outside Belgian territory, the coverage provided is that of the mandatory motor liability legislation of the state where the accident occurred, but cannot be less than the broader Belgian coverage.
green_card_rules
The insurance certificate (formerly 'green card') lists all countries where the BA Auto coverage is valid. This includes all EU/EEA member states and other multilateral agreement countries. For countries listed on the green card, the Belgian insurer covers liability at least at the level required by that country's mandatory motor insurance legislation. Free immediate roadside assistance applies within 30 km of the Belgian border; beyond that, assistance to the nearest garage is provided in all green card countries.
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.
Where to buy
Policy specifics
Bonus-Malus System
AG operates a unique Turbo Bonus system where accidents older than 5 years are not considered in bonus-malus calculation. Policyholders reaching bonus-malus level -2 receive it for life and qualify for free BA Max coverage (up to 300,000 EUR for driver injuries).
BA Max Driver Coverage
Free automatic coverage for drivers with bonus-malus -2 level, providing compensation up to 300,000 EUR for driver injuries in accidents (including when driver is at fault), worldwide except in specific exclusion situations.
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.
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.
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.
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.
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.
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.
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.