Baloise Belgium NV
Baloise
Baloise is a motor third-party liability insurance for the Belgium market with no online purchase and 24/7 assistance.
Direct payment
Baloise pays repairers directly when repairs are carried out through its recognised repair network, and offers a free replacement vehicle, faster processing and extended repair warranty; using a non-recognised repairer increases the vehicle-damage deductible by EUR 150.
Geographic scope
Nationwide (Belgium)
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.
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
Bodily Injury Liability
unlimited
Bodily injury liability under BA Motorrijtuigen/RC Auto is unlimited, as required by Belgian law and confirmed in Baloise's own Mobility Safe 1 General Conditions.
Property Damage Liability
€120,067,670
Property damage caused to third parties is covered up to a standard maximum of EUR 120,067,670 per claim (amount subject to indexation).
Legal Defence / Legal Protection
€100,000
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.
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.
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.
Key conditions
Territorial scope
Valid in all countries required by Belgian law (EU/EEA and Green Card countries), plus Bosnia-Herzegovina, North Macedonia, Montenegro and Serbia.
Green card rules
The policy automatically provides the international motor insurance certificate (green card) proving cover in Belgium and abroad; it excludes countries in civil war or with disturbed security where assistance cannot be guaranteed.
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.
Documents
Mobility Safe 1 General Conditions (NL, ed. 06.15)
Terms & conditions
Mobility Safe 1 General Conditions (NL, ed. 10.16)
Terms & conditions
Mobility Safe 1 General Conditions (FR, rebranded ed. 02.26)
Terms & conditions
Mobility Safe 1 IPID – Cars & Light Trucks (NL)
IPID
Compiled Auto Insurance IPID Set (RC Auto, Assistance, Legal Protection) – FR
IPID
Legal Protection Supra All-risk IPID (Euromex, FR)
IPID
Baloise Assistance Étendue Vehicle & Persons IPID (Europ Assistance, FR)
IPID
Baloise Assistance Comparison Sheet – Passenger Cars
Table of benefits
BA/Omnium Conversion Comparison Sheet (Baloise-Athora)
Table of benefits
Model Agreement for Mandatory Motor Liability Insurance
Other document
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.
SourceBaloise Assistance (24/7 Roadside Support)
Mandatory assistance coverage included in Mobility Safe 1 that provides 24/7 roadside assistance for accidents and breakdowns in Belgium and abroad.
SourceGeographical 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.
Source