Belfius Car
Belfius Car is a motor third-party liability insurance for the BE market with no online purchase and 24/7 assistance.
Direct payment
Belfius Insurance does not apply direct payment to third parties as a standard feature of the base RC policy. Claims are settled by the insurer directly with injured parties pursuant to Belgian mandatory motor insurance law (Act of 21 November 1989). Sinister declaration is possible online via the Belfius Mobile app or Belfius Direct Net, or by phone at +32 (0)2 286 70 00 (Mon–Fri 08:00–17:00). The assistance helpline (+32 (0)2 286 70 00) is available 24/7.
Geographic scope
BE
RC valable dans tous les pays repris sur la carte internationale d'assurance automobile (carte verte); Omnium valable dans le monde entier; Assistance valable en Belgique et à l'étranger (pays sur certificat d'assurance, hors territoires exclus)
Unique selling points
- Unlimited bodily injury liability with no financial ceiling, exceeding the Belgian statutory minimum, ensuring full compensation for all injured parties regardless of claim size.
- Unique BOB guarantee included at no extra charge: covers vehicle damage and bodily injury of the designated driver when the policyholder is unable to drive due to legally punishable intoxication and a friend (BOB) takes the wheel.
- 58+ Lifetime Guarantee: policyholders aged 58 and over with at least 5 consecutive claim-free years at Belfius Insurance receive a contractual commitment that their RC policy will never be cancelled due to age or claims frequency.
- Claims can be reported instantly online via the Belfius Mobile app or Belfius Direct Net with pre-filled personal data and direct garage selection, or by phone with a 24/7 assistance helpline (+32 (0)2 286 70 00) for urgent roadside needs.
- Network of approved repairers with guaranteed benefits: policyholders who are clearly not at fault or who have subscribed to an Omnium formula can use Belfius Insurance-approved garages with specific advantages, combining claims handling convenience with quality repair standards.
Coverage limits
Bodily Injury Liability (RC)
Covered
Unlimited indemnification for bodily injury caused to third parties by the use of the insured vehicle, including vulnerable road users and passengers. No financial ceiling applies for bodily injury claims under Belgian mandatory motor insurance law.
SourceProperty Damage Liability (RC)
Covered
Coverage for material damage caused to third parties by the insured vehicle, up to a ceiling of 100 million EUR per claim, indexed in accordance with Article 3 of the Act of 21 November 1989. Excludes damage to the insured vehicle itself, goods transported professionally and for remuneration, damage caused by stolen vehicles, and damage resulting from participation in authorised speed contests.
SourceLegal Protection (Protection Juridique)
Optional
Optional legal assistance covering civil recourse and criminal defence costs (attorney, expert, bailiff fees and judicial/extrajudicial proceedings) for vehicle-related disputes. Available in two formulas: Comfort (up to 30,000 EUR per claim) and Prestige (up to 75,000 EUR per claim). Insolvency of liable third party covered up to 7,500 EUR (Comfort) or 15,000 EUR (Prestige). Advance on indemnity available up to 15,000 EUR per claim.
SourceInternational Motor Insurance Certificate (Green Card)
Covered
The RC guarantee is valid in all countries named on the international motor insurance certificate (green card) and not expressly crossed out. When a claim occurs outside Belgium, the coverage provided corresponds to that required by the mandatory motor insurance legislation of the country where the accident occurred, but cannot be less than the broader coverage provided by Belgian law. A bail bond up to 62,000 EUR per vehicle and all insureds combined is available for foreign authorities.
SourcePost-Accident Assistance (included base) + Optional Vehicle Assistance
Covered
Included in the base RC: post-accident assistance in Belgium or within 30 km of Belgian borders when the insured vehicle is no longer roadworthy after a traffic accident (passenger transport to a household member's domicile and towing of the vehicle), regardless of fault. Also includes the BOB guarantee for post-accident towing. Optional vehicle assistance (Mobilité Start / Go / Go+) adds coverage for breakdown, theft and immobilisation in Belgium and abroad, with towing, replacement vehicle (category B up to 7 days, or category D up to 15 days under Go+) or mobility budget (max 85 EUR/day), and rental vehicle damage coverage (max 4,000 EUR/year Start or 7,000 EUR/year Go+).
SourceDriver Injury Insurance (Assurance Conducteur)
Optional
Optional coverage indemnifying the authorised driver of the insured vehicle for bodily injury or death resulting from a traffic accident, regardless of fault. Compensation follows common law rules (as awarded by Belgian courts for similar cases) up to a maximum of 500,000 EUR per claim, including a maximum of 500 EUR per claim for clothing damage. Also covers economic and moral prejudice resulting from temporary or permanent incapacity. Garage staff and automotive professionals to whom the vehicle is entrusted are excluded. Alcohol intoxication above 0.8 g/l blood and intentional acts are excluded.
SourcePassenger and Vulnerable Road User Protection (RC Base)
Covered
Under the mandatory RC base coverage, bodily injury and clothing damage suffered by passengers of the insured vehicle and by vulnerable road users (pedestrians, cyclists, etc.) are fully covered, irrespective of fault. This derives from Article 29bis and 29ter of the Act of 21 November 1989. Passenger bodily injury is excluded from the RC base where the passenger is themselves the responsible party, but covered as a third-party victim. Additional optional driver accident insurance (Assurance Conducteur) is needed to cover the driver's own bodily injury when at fault.
SourceKey conditions
territorial_scope
The RC guarantee, Legal Protection and Driver insurance are valid in all countries named on the international motor insurance certificate (green card) and not expressly crossed out. The optional vehicle assistance is valid in Belgium (including a 30 km radius beyond Belgian borders) and abroad in countries listed on the green card (excluding high-risk territories: Iran, Belarus, Crimea, Russian Federation, Ukrainian regions annexed by Russia, and countries subject to travel bans or active civil/foreign war). The Omnium vehicle insurance is valid worldwide.
green_card_rules
The insurer issues an international motor insurance certificate (green card) upon conclusion of the contract. Coverage for foreign accidents is governed by the mandatory insurance legislation of the country where the accident occurred, but cannot be less than the broader coverage under Belgian law. For stays in other EEA member states, no modification of risk applies. The contract terminates automatically if the vehicle is registered in a country other than Belgium. A bail bond up to 62,000 EUR (vehicle + all insureds) is available when foreign authorities require a deposit.
driver_restrictions
Coverage extends to the policyholder, the owner, any holder, any driver and any passenger of the designated vehicle. The insurer has a right of recourse against the policyholder and insured in cases of: driving under influence of alcohol (proven causal link required); driving without a valid driving licence or by a person below the minimum legal age; driving during a period of licence suspension; more passengers than the authorised maximum; absence of a valid technical inspection certificate (with proven causal link). Recourse amounts are capped at 31,000 EUR for net expenses exceeding 11,000 EUR. The 58+ lifetime guarantee prevents non-renewal of the RC for the main driver aged 58+ with at least 5 years of claim-free history at Belfius Insurance.
claim_notification_deadline
Any claim must be declared in writing immediately and no later than 8 days after its occurrence, to the insurer or any person designated for that purpose in the contract. For the optional vehicle assistance (Omnium), the same 8-day deadline applies from when the insured could reasonably make the declaration. For theft or attempted theft, a police report must be filed immediately. Claims can be reported online via the Belfius Mobile app or Belfius Direct Net, or by telephone at +32 (0)2 286 70 00 (Mon–Fri 08:00–17:00). For urgent assistance, the 24/7 helpline applies.
bonus_malus_rules
Belfius Car applies the Belgian statutory a posteriori personalisation system (bonus-malus scale) to passenger cars for private and business use and to light commercial vehicles (MMA ≤ 3.5 t). Entry into the system is at the 'Starter' level (100% of the base premium). Each year's driving experience (years of B-category licence held) reduces the degree by one step. Each at-fault claim causes a rise of 5 degrees per claim. The scale runs from Malus 10 (250% of base premium) to Super-bonus 5 (50% of base premium, capped). No additional reduction applies below Bonus 10 / Super-bonus levels. If no claim is declared for 4 consecutive observed periods and the degree remains in malus zone, it is automatically reset to Starter. On change of main driver, the scale position is recalculated based on the new driver's experience and claims history. Prior experience from another EU member state insurer is recognised for the preceding 5 years.
Where to buy
Documents
BELFIUS CAR – Conditions générales (FR) – réf. 0037-2-10-5739-092024
terms_and_conditions
BELFIUS CAR – Algemene voorwaarden (NL) – ref. 0037-2-10-5739-092024
terms_and_conditions
Belfius Car IPID – Assurance Véhicules Automoteurs (4 roues) – septembre 2024
ipid
Belfius Motorbike IPID – Assurance Véhicules Automoteurs (2 roues) – mars 2026
ipid
Policy specifics
Omnium Coverage (Full or Mini)
Optional comprehensive coverage for vehicle damage including collision, theft, fire, glass breakage, and natural hazards
Driver Injury Insurance (Assurance Conducteur)
Optional coverage for bodily injury and loss compensation of the driver, even if driver is at fault
Vehicle Assistance (Assistance au véhicule)
Optional roadside assistance covering breakdown, accident, theft and immobilization with towing and alternative transport
Legal Protection (Protection Juridique)
Optional legal assistance covering costs for defense in vehicle-related disputes and contractual matters
Replacement Vehicle Provision
Optional guarantee providing temporary replacement vehicle (typically category A or B) following accident, theft, or immobilization
Deductible (Franchise) Selection
Policyholders can select deductible levels for Omnium coverage, typically fixed amounts (e.g., 500€ or 250€) or English franchise option