Argenta Assuranties nv (Argenta Insurance Company), part of Argenta Bank- en Verzekeringsgroep nv

Territorial scope

Cover applies to claims occurring in any country for which the international insurance certificate is valid, on public roads or on public/private land; if the accident occurs outside Belgium, the cover applied is that required by the compulsory motor insurance legislation of the country concerned, unless Belgian law grants broader protection, in which case the broader protection prevails.

Green card rules

Argenta issues an international insurance certificate (green card) proving cover in every country for which it is valid; a stay of the insured vehicle in another EEA member state during the contract term is never treated as a risk aggravation or reduction, but the contract ends automatically as soon as the vehicle becomes registered in a country other than Belgium.

Driver restrictions

The insurer has a right of recourse against the policyholder and/or the insured if, at the time of the claim, the insured vehicle was driven by a person who had not reached the legally required minimum age, did not hold a valid driving licence for that vehicle, breached specific restrictions stated on their licence, or was subject to an ongoing Belgian driving disqualification (even if the accident occurred abroad); no recourse applies if the situation results solely from failure to complete a purely administrative formality.

Claim notification deadline

Every claim must be reported in writing immediately and at the latest within 8 days of its occurrence; the insurer cannot invoke this deadline if the report was made as quickly as could reasonably be expected.

Bonus-malus rules

Premiums for cars/light vans (and similar) follow a personal bonus-malus scale of 23 degrees (0 to 22), where degree 14 corresponds to 100% of the base premium (ranging from 42.5% at degree 0 to 200% at degree 22). New policyholders enter at degree 14, or degree 11 if the vehicle is used only for limited private/commuting or specific professional purposes. Each claim-free observed insurance period moves the driver down one degree; each period with one or more at-fault claims moves the driver up four degrees per claim. The scale never goes below 0 or above 22, and a driver stuck above degree 5 after five consecutive claim-free periods is automatically reset to degree 5.

Immediate assistance after accident

Mandatory coverage included with basic Liability policy providing roadside assistance, towing, and occupant transport services in Belgium and up to 30km across borders

Omnium coverage

Optional comprehensive or partial damage coverage for own vehicle. Full Omnium Comfort with 250/450 EUR deductible; Full Omnium Base with 450/750/1250 EUR deductible (excludes total loss); Mini-Omnium for specific damages

Driver protection (Conducteur+/Bestuurder+)

Optional coverage for bodily injury of the driver. When selected, covers bodily damages to the driver in accident situations

Legal Protection (Protection juridique/Rechtsbijstand)

Optional coverage with two tiers: Basic (25,000 EUR limit) and Safe (40,000 EUR limit). Covers legal advice after accidents, contractual disputes, traffic violations, and disputes with own insurer

Breakdown Assistance (Pechbijstand/Assistance dépannage)

Optional coverage provided by Europ Assistance Belgium. Extended breakdown assistance for the insured vehicle with roadside support services

Travel Insurance (Reisverzekering/Assurance voyage)

Optional worldwide travel insurance for insured family. Provided by Europ Assistance Belgium through Argenta distribution

Recognized repair network

Argenta maintains a network of recognized repair shops. Policy may specify whether repairs must be done at approved garages or if customer has free choice

Accident exclusions

Policy excludes coverage for: rented vehicles, intentional damage, driver under influence of alcohol/drugs, damage from racing/trials/practice events, and sports activities (unless supervised by professional)

Foreign stay limitation

Coverage may be suspended for stays abroad longer than 3 consecutive months

Claims payment procedure

For third-party liability (BA/RC), Argenta pays third party directly. For own damage (Omnium), insurer settles with policyholder and recognized repair network; claim procedures and timelines defined in General Terms and Conditions

Tacit annual renewal

Policy is automatically renewed annually unless cancelled by insured party. Cancellation notice must be provided 2 months before annual renewal date for first year; thereafter can cancel at any time with 2 months' notice

BA-specific exclusions

Excluded from indemnity under the BA cover itself: damage to the insured vehicle; goods carried for professional reward (except clothing/luggage of transported persons); damage caused solely by the transported goods or their handling; damage from officially authorised speed/regularity/skill races; damage covered under nuclear-liability legislation; and damage caused by persons who took control of the insured vehicle by theft, violence or receiving stolen goods.

EEA stay does not affect the BA risk

A stay of the insured vehicle in another European Economic Area member state during the contract term can never be treated as an aggravation or reduction of risk under the BA guarantee and cannot trigger a contract change; the contract ends automatically only once the vehicle is actually registered in a country other than Belgium.

3-month limitation for the assistance/travel riders

For the optional Pechbijstand and Reisverzekering riders (Part 2, underwritten by Europ Assistance Belgium) — not for the BA guarantee — cover only applies to events occurring before the end of the first three consecutive months of a stay abroad; events after that point are not covered by these riders.