Baloise Motor third-party liability (Mobility Safe 1)
Underwritten by Baloise Insurance · Belgium
motor third-party liability insurance from Baloise for the Belgium market, with 24/7 assistance.
Verified Aug 26, 2026 · Terms dated 2026-02-01Sources
Unique selling points
Once you reach bonus-malus level -2, Baloise guarantees you keep the lowest premium tier for life via the optional BM Safe protection.
24/7 Baloise Assistance roadside and accident support is included free with every Mobility Safe 1 policy.
Repairs through Baloise's recognized network come with a free replacement vehicle, a 3-year repair warranty, and direct payment to the repairer.
Up to 70% premium discount is granted when insuring an additional motorcycle alongside your car with Baloise.
A 10% premium discount applies to electric and hybrid vehicles, in addition to up to 10% for cars equipped with safety options.
Coverage limits
Liability limit (covers injury + property damage)
One combined sum for both bodily injury and property damage, not two separate limits.
unlimited
Legal Defence / Legal Protection
€100K
Optional Protection Juridique Supra All-risk (Euromex) covers legal costs for disputes linked to the use of the insured vehicle, up to EUR 100,000 per dispute; can only be taken in addition to the Baloise RC policy.
Green Card / International Motor Insurance Certificate
Covered
The policy provides valid proof of insurance (green card / certificate) for Belgium and all countries required by law, plus Bosnia-Herzegovina, North Macedonia, Montenegro and Serbia.
Section: Assurance Auto > Où suis-je assuré?
Cette assurance est valable dans tous les pays imposés par la loi. Cette assurance est également valable en Bosnie-Herzégovine, en Macédoine du Nord, au Monténégro et en Serbie.
Baloise Assistance (Base Roadside Support)
Covered
Baloise Assistance is automatically included with every Mobility Safe 1 RC Auto policy: after a traffic accident, Baloise Assistance tows the insured vehicle to a repairer and brings the insured and their luggage home.
Section: Assurance Auto > Qu'est-ce qui est assuré?
Baloise Assistance conduit le véhicule assuré chez un réparateur après un accident de la circulation et vous ramène également à la maison avec vos bagages.
Driver Accident Cover
Optional
The driver's own bodily injury is not covered by the base RC Auto; optional 'Bestuurder Select' (fixed pre-agreed amount) or 'Bestuurder Safe' (actual damage per Belgian court scales) driver-accident covers can be added to the Mobility Safe 1 policy.
Passenger / Weak Road User Accident Cover
unlimited
Weak road users, including passengers, pedestrians and cyclists, are compensated for bodily injury and clothing damage even if they caused the accident themselves, including in case of death.
Section: Assurance Auto > Qu'est-ce qui est assuré?
Les blessures des usagers faibles comme les passagers, les piétons et cyclistes et les dommages causés à leurs vêtements, même si ces usagers ont causé l'accident de la circulation eux-mêmes. Nous payons aussi pour les dommages à la suite de leur décès.
Key conditions
Driver restrictions
Covered insureds include the policyholder, the owner, the holder and the driver of the designated vehicle, passengers, and any other person liable for someone else's acts; temporary replacement vehicles and the previous unsold vehicle are also covered.
Claim notification deadline
Claims must be reported immediately and at the latest within 8 days of the event, in writing, to Baloise or the person designated in the Special Conditions, as set out in the mandatory Model Agreement (Art. 16).
Bonus-malus rules
Baloise applies bonus-malus grading with a posteriori premium adjustments; policyholders can also get up to 10% discount for safety equipment, 10% for electric/hybrid vehicles, and up to 70% off a motorcycle premium when combined with an insured car; the optional 'BM Safe' protects the achieved bonus-malus grade after a claim.
Territorial scope
Coverage applies throughout Belgium and in all countries required by Belgian law, plus Bosnia-Herzegovina, North Macedonia, Montenegro and Serbia; excludes countries in civil war or with severely disrupted security.
Documents
Mobility Safe 1 General Conditions (NL, ed. 06.15) (opens in a new tab)
Terms & conditions · PDF
Mobility Safe 1 General Conditions (NL, ed. 10.16) (opens in a new tab)
Terms & conditions · PDF
Mobility Safe 1 General Conditions (FR, rebranded ed. 02.26) (opens in a new tab)
Terms & conditions · PDF
Mobility Safe 1 IPID – Cars & Light Trucks (NL) (opens in a new tab)
Product information sheet · PDF
Compiled Auto Insurance IPID Set (RC Auto, Assistance, Legal Protection) – FR (opens in a new tab)
Product information sheet · PDF
Legal Protection Supra All-risk IPID (Euromex, FR) (opens in a new tab)
Product information sheet · PDF
Baloise Assistance Étendue Vehicle & Persons IPID (Europ Assistance, FR) (opens in a new tab)
Product information sheet · PDF
Baloise Assistance Comparison Sheet – Passenger Cars (opens in a new tab)
Table of benefits · PDF
BA/Omnium Conversion Comparison Sheet (Baloise-Athora) (opens in a new tab)
Table of benefits · PDF
Model Agreement for Mandatory Motor Liability Insurance (opens in a new tab)
Other document · PDF
Policy specifics
Bonus-Malus Protection (BM Safe)
Optional supplementary coverage that protects the achieved bonus-malus grade by preventing premium increases after a traffic accident. Once bonus-malus level -2 is reached, it is retained for life.
SourceSection: Autoverzekering | Mobility Safe 1 > Kies voor extra bescherming met onze keuzeverzekeringen
Zodra je bij Baloise bonus-malusgraad -2 bereikt, behoud je die graad. Zit je nog niet in BM-2 en veroorzaak je een verkeersongeval? Dan passen wij normaal je inschaling aan. Met BM Safe bescherm je jouw behaalde bonus-malusgraad.
Baloise Assistance (24/7 Roadside Support)
Baloise Assistance is included in Mobility Safe 1: after a traffic accident, Baloise Assistance tows the insured vehicle to a repairer and brings the insured person and their luggage home.
SourcePage 1Section: Assurance Auto > Qu'est-ce qui est assuré?
Baloise Assistance conduit le véhicule assuré chez un réparateur après un accident de la circulation et vous ramène également à la maison avec vos bagages.
Geographical Coverage Territory
BA coverage extends to Belgium and all countries listed in the international motor vehicle insurance certificate, excluding certain high-risk territories such as countries in civil war or major conflict zones.
SourceReplacement Vehicle (Omnium/Safety Pack)
Optional benefit available with Omnium or Safety Pack coverage providing a replacement vehicle for up to 30 days in case of total loss or theft.
SourceInsured Driver Requirements
Coverage applies to the policyholder and authorized drivers, including spouse and dependent children living at home who have reached legal driving age. Extension applies to replacement vehicles used for up to 30 days.
SourceTrailer and Coupled Vehicle Coverage
Coverage includes trailers and vehicles coupled to the insured vehicle as specified in Special Conditions. Uncoupled trailers not listed are covered only if they weigh max 750 kg and carry the insured vehicle's registration plate.
SourceClaims Reporting Deadline
Claims must be reported as soon as possible after occurrence, typically within 8 days (or within any statutory deadline if different) unless prevented by force majeure.
SourceRecognized Repair Network Requirements
Policyholders using Baloise-recognized repair shops receive additional benefits: free replacement vehicle, expedited administrative processing, direct payment to repairer, and extended warranty on repairs.
SourceSection: Autoverzekering | Mobility Safe 1 > Veelgestelde vragen > Wat is Premium Plus?
Wij betalen voor de schade direct aan de hersteller. Let op: soms moet je een bedrag zelf aan de hersteller betalen... De verhoogde franchise van 150 euro valt weg. De professionele hersteller zorgt voor een snelle en zeer goede herstelling. De hersteller geeft je 3 jaar garantie op: * de herstelling; * de lakproducten; *de nieuwe onderdelen.
Sources
- seraphin-reference-documents.s3.eu-central-1.amazonaws.comhttps://seraphin-reference-documents.s3.eu-central-1.amazonaws.com/products/BALOISE/FR/IPID_mobility_safe1.pdf#page=6(opens in a new tab)
- seraphin-reference-documents.s3.eu-central-1.amazonaws.comhttps://seraphin-reference-documents.s3.eu-central-1.amazonaws.com/products/BALOISE/FR/IPID_mobility_safe1.pdf#page=7(opens in a new tab)
- baloise.behttps://www.baloise.be/dam/jcr:0d38caee-bec0-4e4f-b71e-7492176a27a7/B3311.MOT.06.15%20CG%20Mobility%20Safe%201.pdf(opens in a new tab)
- baloise.behttps://www.baloise.be/nl/prive/auto/autoverzekering.html(opens in a new tab)
- baloise.behttps://www.baloise.be/nl/prive/auto/bestuurdersverzekering.html(opens in a new tab)
Baloise Motor third-party liability