Baloise
Baloise is a motor third-party liability insurance for the BE market with no online purchase and 24/7 assistance.
Direct payment
Baloise does not pay the insured directly for third-party MTPL claims; it settles liability claims directly with injured third parties. Roadside assistance costs are organised and paid directly by Baloise Assistance (via Europ Assistance). If the insured pre-finances allowed assistance costs without prior authorisation, reimbursement is capped at EUR 250 with original receipts.
Geographic scope
BE
All countries mandated by law for MTPL insurance (EU/EEA Green Card countries), plus Albania, Bosnia-Herzegovina, North Macedonia, Montenegro, Morocco, Serbia, Tunisia, and Turkey as listed in the policy definitions.
Unique selling points
- Lifetime bonus-malus grade -2 guarantee: once reached, Baloise permanently locks the most favourable tariff grade for the policyholder's lifetime, unique among Belgian MTPL insurers.
- 24/7 roadside assistance (Baloise Assistance via Europ Assistance) is always included free of charge with any MTPL policy, covering Belgium and abroad with towing, home transport, and replacement vehicle for up to 7 days.
- Driver accident insurance 'Bestuurder Safe' compensates actual bodily damages up to EUR 500,000 per accident using Belgian court standards, ensuring real-value indemnification for the at-fault driver.
- Optional BM Safe add-on protects the achieved bonus-malus grade for one at-fault claim per year and stops automatically at grade -2, preventing premium increases for safe drivers who have an occasional fault accident.
- Territorial coverage extends beyond the standard EU Green Card zone to include Bosnia-Herzegovina, North Macedonia, Montenegro, Morocco, Serbia, Tunisia, and Turkey, providing broader protection for cross-border travel.
Coverage limits
Bodily injury liability (MTPL)
Covered
Covers bodily injury and death caused to third parties by the insured vehicle. Under Belgian MTPL law (Act of 21 November 1989), there is no statutory maximum limit for bodily injury compensation. Baloise pays on behalf of the insured for all justified third-party bodily injury claims.
SourceProperty damage liability (MTPL)
Covered
Covers material damage caused to third parties by the insured vehicle. Under Belgian MTPL law, the statutory maximum for material damage is EUR 100 million per claim (indexed). Baloise pays on behalf of the insured for all justified third-party property damage claims.
SourceLegal defence (Rechtsbijstand / Protection juridique)
Optional
Optional legal defence insurance provided by Euromex (Supra All-risk formula), added to the Mobility Safe 1 MTPL policy. Covers criminal and civil defence in traffic-related disputes, including legal costs and attorney fees. Fines and settlements with the public prosecutor are not covered.
SourceInternational insurance certificate (Green Card)
Covered
A Green Card (international motor insurance certificate) is included with the Mobility Safe 1 MTPL policy, providing proof of valid MTPL coverage across all Green Card member countries. The policy is valid in all countries mandated by Belgian MTPL law plus additional countries including Bosnia-Herzegovina, North Macedonia, Montenegro, and Serbia.
SourceRoadside assistance (Baloise Assistance)
Covered
Baloise Assistance is always included with the Mobility Safe 1 MTPL policy at no extra charge. It provides 24/7 assistance in Belgium and abroad (in partnership with Europ Assistance) in case of accident, breakdown or theft. In Belgium (and up to 30 km beyond the Belgian border and in Luxembourg), it organises towing of the insured vehicle to a repairer, transport of the driver and passengers home with their luggage, and a replacement vehicle for up to 7 days (or up to 20 days in case of theft). If the insured calls Baloise Assistance first, costs are fully organised and borne by the insurer; if not, reimbursement is limited to EUR 250 with original receipts. An extended formula ('Uitgebreide Baloise Assistance Voertuig en Personnes') is available as a paid add-on.
SourceDriver accident insurance (Bestuurder Select / Bestuurder Safe)
Optional
Optional driver accident coverage available in two formulas as an add-on to the MTPL policy. 'Bestuurder Safe' compensates actual bodily harm using Belgian court standards, up to EUR 500,000 per traffic accident, for the insured driver and all authorised drivers (valid licence, resident in Belgium). 'Bestuurder Select' pays fixed amounts: up to EUR 75,000 for permanent personal invalidity, EUR 12,500 for death costs, EUR 5,000 for funeral costs, and EUR 4,000 for medical and adapted transport costs.
SourcePassenger bodily injury (via MTPL)
Covered
Passengers of the insured vehicle are covered for bodily injury as third parties under the MTPL (BA Motorrijtuigen) coverage, even if the accident is caused by the insured driver. There is no statutory upper limit for bodily injury compensation for passengers under Belgian law. This is a statutory obligation and does not require a separate optional endorsement.
SourceKey conditions
territorial_scope
The MTPL policy is valid in all countries required by Belgian law (all EU/EEA Green Card countries), plus Albania, Bosnia-Herzegovina, North Macedonia, Montenegro, Morocco, Serbia, Tunisia, and Turkey. The basic Baloise Assistance (included free) covers Belgium and up to 30 km beyond the Belgian border and the Grand Duchy of Luxembourg. The extended Baloise Assistance (paid add-on) covers the full list of countries defined in its General Conditions, and for personal assistance (illness, injury, death) covers all countries worldwide.
green_card_rules
A Green Card (international insurance certificate) is issued with the Mobility Safe 1 MTPL policy and must be carried when travelling abroad. It provides proof of valid MTPL coverage in all signatory countries of the Green Card system. The policy extends coverage beyond the standard Green Card countries to also include Bosnia-Herzegovina, North Macedonia, Montenegro, and Serbia.
driver_restrictions
Any person whose liability is covered by the MTPL policy is an insured. The policyholder, co-habitants, and the owner/usual keeper of the designated vehicle are generally excluded from the right to compensation as third parties under MTPL. Drivers under the influence of alcohol (blood alcohol level above 1.2 g/l under Baloise Assistance exclusions), drugs, or without a valid driving licence are excluded from coverage. The driver accident insurance (Bestuurder Select/Safe) covers the insured driver and authorised drivers with a valid licence who are residents of Belgium.
claim_notification_deadline
In case of a claim, the insured must notify Baloise immediately. For theft or attempted theft, a police report must be filed within 24 hours of discovering the theft. For roadside assistance, the insured must contact Baloise Assistance (+32 3 870 95 70 or assistance@baloise.be) immediately after the insured event, or as soon as possible. The insured must not admit liability, settle, or promise compensation without Baloise's prior written consent.
bonus_malus_rules
The Belgian MTPL bonus-malus scale runs from grade -2 (most favourable) to grade +22 (most expensive). Each claim-free year reduces the grade by 1. Each at-fault claim increases the grade by 5. Baloise's unique feature: once the insured reaches grade -2, this grade is maintained for life (even after an at-fault accident), except if there are 3 or more at-fault claims, or claims with aggravating circumstances (intoxication, fraud, deliberate damage, hit-and-run). The optional 'BM Safe' add-on protects the achieved grade for one at-fault claim per policy year, stopping automatically when grade -2 is reached.
Where to buy
Documents
IPID Mobility Safe 1 – Personenwagens en Lichte vrachtwagens (NL, Feb 2021)
ipid
Algemene Voorwaarden Mobility Safe 1 (NL, Feb 2021)
terms_and_conditions
Conditions Générales Mobility Safe 1 (FR, Jan 2017)
terms_and_conditions
Conditions Générales Baloise Assistance étendue Véhicule et Personnes (FR, Oct 2022 / updated Oct 2025)
terms_and_conditions
IPID Mobility Safe 1 – Tweewielers (NL, Feb 2026)
ipid
Policy specifics
Replacement car (voiture de remplacement)
Coverage for rental of a replacement vehicle when the insured car is immobilized after a claim
Lifetime Bonus-Malus -2 Protection
Once reaching bonus-malus level -2, customer retains this favorable tariff level for lifetime
Safety Pack Omnium
Optional extension to Full Omnium coverage providing additional benefits for key/fuel theft, document replacement
BM Safe bonus-malus protection
Optional coverage protecting the achieved bonus-malus grade from being downgraded after a traffic accident
Lifetime Bonus-Malus -2 Protection
Once a customer reaches bonus-malus grade -2, they retain this most favourable tariff grade for life. This applies to all customers holding a BA Motorrijtuigen policy for passenger cars with Baloise. The lifetime guarantee may be revoked if there are 3 or more at-fault claims, or claims with aggravating circumstances such as intoxication, fraud, deliberate damage, or hit-and-run.
Authorized repair network requirement
Baloise may require use of authorized repair network to obtain full coverage benefits
Deductible/franchise options
Multiple deductible levels available for omnium coverage: EUR 250, 500, 750, 1000 or English (conditional) deductible
Driver protection formula options
Two driver protection formulas available: Conducteur Select (fixed amount) or Conducteur Safe (actual damages up to EUR 500,000)
Police report requirement for theft/attempted theft
Police report must be filed within 24 hours of discovering theft or attempted theft for Safety Pack Omnium coverage