Belfius Motor third-party liability (Belfius Car)
Underwritten by Belfius Insurance SA · Belgium
motor third-party liability insurance from Belfius for the Belgium market, with 24/7 assistance.
Verified Aug 26, 2026 · Terms dated 2024-09Sources
Key facts
- Belfius
Unique selling points
Includes a 'BOB' guarantee as standard, covering vehicle damage and bodily injury of a designated sober driver who is at fault after an owner was unfit to drive due to alcohol or similar intoxication.
Offers a '58+ Assuré à vie' guarantee: policyholders aged 58+ with at least 5 years of claims-free history are guaranteed the insurer will never cancel their liability cover (barring fraud, hit-and-run or loss of fitness to drive).
The bonus-malus scale extends beyond the usual Bonus 10 down to Super-bonus 5, rewarding long-term claims-free drivers with a premium as low as 50% of the base rate.
Windscreen repairs via the approved Autoglass Clinic / Carglass network are settled directly with the repairer under a third-party-payer system, with no upfront payment or prior formalities required from the insured.
Claims can be reported online in real time via the Belfius Mobile app or Belfius Direct Net, with pre-filled personal data, direct garage selection and step-by-step status tracking, alongside a 24/7 telephone assistance centre.
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 (Protection Juridique)
€30K – €75K
Optional add-on available in two formulas: Comfort covers legal/expert/bailiff fees up to 30,000 EUR per claim (with third-party insolvency cover up to 6,250 EUR and contractual disputes up to 7,500 EUR); Prestige raises the main limit to 75,000 EUR (insolvency up to 15,000 EUR, contractual disputes up to 15,000 EUR) and adds civil defence, extended contractual disputes, administrative assistance and criminal bail.
Section: ASSURANCE PROTECTION JURIDIQUE > 2. FORMULE COMFORT > 2.2. MONTANTS ASSURÉS
Notre intervention est acquise jusqu'à 30.000 EUR par sinistre. En ce qui concerne les garanties Insolvabilité de Tiers et Litiges Contractuels, notre intervention est limitée à 7.500 EUR par sinistre et n'est acquise qu'au-delà d'un seuil de 250 EUR.
Green card / international insurance certificate
Covered
The insurer issues an insurance certificate (green card) as proof of cover as soon as liability cover is granted; it is valid in every country named on the certificate and not expressly crossed out, and ceases to be valid upon cancellation, suspension or end of the contract.
Roadside assistance
Covered
Base cover (included) provides towing of the immobilised vehicle to a garage and transport of passengers home following a road accident in Belgium or up to 30 km beyond the Belgian border, regardless of fault. Optional Mobilité Start/Go/Go+ formulas add a replacement vehicle or mobility budget (7 days category B under Go, 15 days category D under Go+) and broader assistance abroad, chauffeur replacement and spare-part shipping.
Section: ASSURANCE ASSISTANCE > 2. ASSISTANCE AU VÉHICULE - FORMULE MOBILITÉ START > 2.1. EN CAS DE SINISTRE EN BELGIQUE
En cas d'immobilisation du véhicule en Belgique, nous organisons et prenons en charge l'envoi d'un dépanneur sur place et, si nécessaire, le remorquage du véhicule vers le garage de votre choix en Belgique.
Driver accident cover (Assurance Conducteur)
€500K
Optional guarantee compensating the driver of the insured vehicle for bodily injury or death resulting from a road accident, regardless of fault, under ordinary law rules, up to 500,000 EUR per claim, including up to 500 EUR for clothing damage.
Section: ASSURANCE DU CONDUCTEUR > 1.3. OBJET ET ÉTENDUE DE L'ASSURANCE > Article 3. Montants des indemnités
L'indemnisation des différents préjudices garantis s'effectue selon les règles du droit commun... jusqu'à concurrence de 500.000 EUR maximum par sinistre, avec un maximum de 500 EUR par sinistre pour l'indemnisation du préjudice vestimentaire.
Passenger cover
Covered
Passengers of the insured vehicle are covered as third parties under the mandatory liability guarantee: bodily injury and clothing damage suffered by weak road users and passengers are indemnified with no cap on bodily injury; there is no separate passenger-accident capital sum.
Section: Qu'est ce qui est assuré ? > Responsabilité Civile
les lésions corporelles et préjudices vestimentaires des usagers faibles et des passagers du véhicule.
Key conditions
Driver restrictions
Cover applies to any authorised driver of the designated vehicle; the insurer may recover indemnities paid to victims if, at the time of the claim, the vehicle was driven by a person who did not meet the legal requirements to drive it (under-age, no valid licence, disqualification or restriction of the right to drive) or by a thief or receiver of the stolen vehicle.
Claim notification deadline
Any claim must be declared in writing immediately and at the latest within 8 days of its occurrence (or of becoming aware of it), to the insurer or to any other person designated for that purpose in the contract.
Bonus-malus rules
A no-claims/claims scale runs from Malus 10 (250% of the base premium) down to Super-bonus 5 (50%), with entry at degree 'Starter' (100%) adjusted for the driver's licence seniority. Each claims-free observed period moves the policyholder down one degree; each claim with liability moves them up five degrees. If no claim is declared for 4 consecutive years while still in a malus degree, the policyholder is automatically reset to 'Starter'.
Territorial scope
Liability, legal defence and driver cover apply in all countries named on the international motor insurance certificate (green card) that are not expressly crossed out; the Omnium guarantee applies worldwide.
Documents
Belfius Car - Insurance Product Information Document (4-wheel vehicle) (opens in a new tab)
Product information sheet · PDF
Belfius Car - General Terms and Conditions (French) (opens in a new tab)
Terms & conditions · PDF
Belfius Car - General Terms and Conditions (Dutch) (opens in a new tab)
Terms & conditions · PDF
Policy specifics
Third-party material damage limit
Material damage to third parties is limited to a maximum of €100,000,000 per claim
SourceClause Art. 34Page 13Section: 1.3. SINISTRE > Article 34. Prestation de l'assureur en cas de sinistre > §2. Limites d'indemnisation
La limite d'indemnisation pour les dommages matériels s'élève à 100 millions d'euros par sinistre. Ce montant est indexé conformément à l'article 3 de la loi du 21 novembre 1989 relative à l'assurance obligatoire de la responsabilité en matière de véhicules automoteurs.
Driver injury exclusion if at fault
Third-party liability does not cover driver's bodily injuries when driver is at fault for the accident
SourcePage 1Section: Qu'est ce qui n'est pas assuré ? > Garanties de base > Responsabilité Civile
les dommages corporels subis par la personne responsable du sinistre (pour le conducteur, il existe l'assurance Conducteur);
Own vehicle damage not covered
Third-party liability does not cover damage to the insured vehicle itself
SourcePage 1Section: Qu'est ce qui n'est pas assuré ? > Garanties de base > Responsabilité Civile
les dommages au véhicule assuré (pour cela, il existe l'assurance Omnium) et aux biens transportés;
Stolen vehicle usage exclusion
Third-party liability does not apply if a thief or handler of stolen goods causes an accident with the insured vehicle
SourcePage 1Section: Qu'est ce qui n'est pas assuré ? > Garanties de base > Responsabilité Civile
la responsabilité civile du voleur ou du receleur.
Territorial coverage (Green Card)
Coverage applies in all countries listed on the international motor vehicle insurance certificate (Green Card), except those expressly crossed out
SourceClause Art. 39Page 14Section: 2. DISPOSITIONS APPLICABLES À LA GARANTIE LÉGALE RESPONSABILITÉ CIVILE > 2.1. LA GARANTIE > Article 39. Couverture territoriale
La garantie est accordée pour un sinistre survenu dans tout pays pour lequel la garantie est accordée selon le certificat d'assurance.
Contract duration and renewal
Insurance contract is concluded for a duration of one year and is tacitly renewed for successive one-year periods unless either party terminates it
SourceClause Art. 15Page 9Section: 1.2. LE CONTRAT > Article 15. Durée du contrat
La durée du contrat ne peut excéder un an... le contrat est reconduit tacitement pour des périodes successives d'un an.
Claims notification deadline
Insured must declare the accident and its circumstances, causes, extent of damage, and identity of witnesses and victims within 8 days of occurrence
SourcePage 3Section: Quelles sont mes obligations ?
En cas de sinistre, déclarer celui-ci et ses circonstances, ses causes, l'étendue du dommage et l'identité des témoins et victimes endéans les huit jours après la survenance de celui-ci.
Sources
- belfius.behttps://www.belfius.be/common/FR/multimedia/MMDownloadableFile/GeneralConditions/belfius_car.PDF#page=13(opens in a new tab)
- belfius.behttps://www.belfius.be/common/FR/multimedia/MMDownloadableFile/GeneralConditions/belfius_car.PDF#page=14(opens in a new tab)
- belfius.behttps://www.belfius.be/common/FR/multimedia/MMDownloadableFile/GeneralConditions/belfius_car.PDF#page=22(opens in a new tab)
- belfius.behttps://www.belfius.be/common/FR/multimedia/MMDownloadableFile/GeneralConditions/belfius_car.PDF#page=27(opens in a new tab)
- belfius.behttps://www.belfius.be/common/FR/multimedia/MMDownloadableFile/GeneralConditions/belfius_car.PDF#page=29(opens in a new tab)
- belfius.behttps://www.belfius.be/common/FR/multimedia/MMDownloadableFile/GeneralConditions/belfius_car.PDF#page=41(opens in a new tab)
- belfius.behttps://www.belfius.be/common/FR/multimedia/MMDownloadableFile/GeneralConditions/belfius_car.PDF#page=9(opens in a new tab)
- belfius.behttps://www.belfius.be/common/FR/multimedia/MMDownloadableFile/Insurance/Fiches_Produits_BCar/MMDF_FicheProduit_BCar_4W.pdf#page=1(opens in a new tab)
- belfius.behttps://www.belfius.be/common/FR/multimedia/MMDownloadableFile/Insurance/Fiches_Produits_BCar/MMDF_FicheProduit_BCar_4W.pdf#page=3(opens in a new tab)