AXA

territorial_scope

The mandatory RC/MTPL coverage applies in all countries listed on the insurance certificate (green card): Germany, Andorra, Austria, Belgium, Bosnia-Herzegovina, Bulgaria, Cyprus (government-controlled areas), Vatican City, Croatia, Denmark, Spain, Estonia, Finland, France, Greece, Hungary, Ireland, Iceland, Italy, Latvia, Liechtenstein, Lithuania, Luxembourg, North Macedonia, Malta, Morocco, Monaco, Montenegro, Norway, Netherlands, Poland, Portugal, Romania, United Kingdom, San Marino, Serbia (government-controlled areas), Slovenia, Slovakia, Sweden, Switzerland, Czech Republic, Tunisia, Turkey. The EURO+ guarantee applies in Western Europe (Germany, Andorra, Austria, Vatican City, Denmark, Spain, Finland, France, Greece, Ireland, Italy, Liechtenstein, Luxembourg, Monaco, Norway, Netherlands, Portugal, United Kingdom, San Marino, Sweden, Switzerland). Roadside assistance (Première Assistance) applies in Belgium and within 30 km beyond Belgian borders. Replacement vehicle (Véhicule de remplacement) is provided in Belgium or within 30 km beyond Belgian borders.

green_card_rules

The green card (certificat d'assurance / verzekeringsattest) is issued at contract inception and at each renewal as proof of the mandatory RC/MTPL coverage. It is not valid if the contract is cancelled, terminated or suspended. Coverage applies only in the countries listed on the certificate. The EURO+ guarantee provides top-up indemnification for bodily injury suffered in Western Europe to ensure Belgian-law-equivalent compensation. A bail bond up to EUR 62,000 is advanced by AXA for the designated vehicle and all insured persons when required by a foreign authority to lift seizure of the vehicle or release the insured on bail after a claim in a listed country (other than Belgium).

driver_restrictions

The policy covers the designated vehicle and all persons authorised to drive it. The contract must list the principal driver (and any regular occasional drivers). Key restrictions include: (a) AXA has a right of recourse against the policyholder if the vehicle is driven by a person under the legal minimum driving age in Belgium; (b) recourse if driven without a valid driving licence; (c) recourse if driven during an active Belgian driving ban; (d) recourse for driving under alcohol intoxication >0.8g/l blood or under the influence of drugs/narcotics. No right of recourse for driving infringements abroad that comply with local law. The Joker (no premium increase after first two at-fault claims) is available and ceases permanently after an accident involving aggravating circumstances such as drunk driving, intentional misrepresentation, fraudulent claim, deliberate damage, driving without or during suspension of licence, hit-and-run, or non-payment of premium.

claim_notification_deadline

In the event of an accident, the insured must notify AXA as soon as possible and within the deadlines specified in the contract: (1) Within 24 hours for theft, attempted theft, vandalism or theft of keys/remote controls; (2) Within 8 days for all other claims (including accidents). For the Replacement Vehicle guarantee, accident claims must reach AXA within a maximum of 3 working days from the date of the loss in order to optimise the replacement vehicle duration. Claims can be submitted via the broker, online at www.axa.be (My AXA client space) or by calling the assistance line. For EURO+ claims, notification must occur at the latest upon return to Belgium. For legal protection (Protection Juridique) claims, the claim must be reported to Legal Village S.A. (Rue de la Pépinière 25, 1000 Brussels or declaration@legalvillage.be).

bonus_malus_rules

The RC/MTPL and Dégâts Matériels (Accident) premiums for cars and vans are personalised based on claims history (bonus-malus system). Two parameters apply: (1) Number of claim-free years (schadevrije jaren): ranges from 0 years (130% of base premium) to 5 or more years (100% of base premium); (2) Number of at-fault claims in the last 5 years: ranges from 0-1 claims (100%) to 4-5 or more claims (412.5%). The final premium = base premium × years-without-claim % × claims-in-5-years %. The Joker neutralises premium increases for the first 2 at-fault claims when subscribed. The Joker is permanently lost after a claim involving aggravating circumstances (drunk driving, intentional misrepresentation, fraudulent claim, deliberate damage, driving without/during suspension of licence, hit-and-run, non-payment of premium/suspension, unauthorised racing). The Joker is regained after 5 consecutive claim-free years following a claim that triggered a premium increase.

Replacement Vehicle

Optional coverage providing a replacement vehicle during repair or after covered damage events

EURO+ Guarantee

Extended liability protection for accidents involving vehicles insured under foreign law with lower coverage limits

Authorized Repair Network

Comfort Auto includes Repair Assistance with preferred repair partnerships; extended benefits available when using authorized repair shops

Territorial Coverage

Liability coverage applies in specified European countries including Germany, France, Netherlands, Spain, Italy, UK, and other EU/EEA member states