Extracted from source documents

Belfius Direct Motor third-party liability (Kilometer Insurance Mtpl)

Underwritten by Belfius Insurance SA · Belgium

motor third-party liability insurance from Belfius Direct for the Belgium market, with online purchase and 24/7 assistance.

Verified Aug 26, 2026 · Terms dated 2026-06Sources

Online purchase24/7 helpline

Unique selling points

Pay-per-kilometre pricing: your premium is based on your actual annual mileage, with a refund if you drive less than estimated and no surcharge for kilometres driven above 25,000 km per year.

“Joker” no-claims bonus: if the main driver causes no at-fault accident for 5 consecutive years, the liability premium will not increase after a future at-fault claim.

58+ Lifetime Insured guarantee: drivers aged 58 or over with at least 5 years' claim-free history as main driver keep the assurance that their liability policy will not be cancelled by the insurer, except in specific aggravating circumstances.

24/7 roadside assistance is included as standard, covering breakdowns, accidents, fire, vandalism and theft in Belgium, Luxembourg and up to 30 km beyond the Belgian border into neighbouring countries.

“BOB” designated-driver guarantee: covers bodily injury of a sober designated driver who does not live with the insured, protecting friends who drive an intoxicated policyholder home.

Coverage limits

Liability limit (covers injury + property damage)

One combined sum for both bodily injury and property damage, not two separate limits.

unlimited

Optional

Legal Protection (optional)

€37.5K

Optional guarantee covering legal fees, lawyer, expert and bailiff costs in civil recourse or criminal defence linked to the insured vehicle, up to a maximum intervention of 37,500 EUR with an intervention threshold of 148.74 EUR; if the responsible third party is insolvent, up to 6,250 EUR of the compensation owed is paid directly.

Clause Art. 99Page 39

Section: Titre 3 > 3. Situations assurées

Lorsqu'à la suite d'un sinistre couvert par la garantie recours civil, le tiers responsable est dûment identifié et reconnu insolvable, nous payons l'indemnité dont ce tiers vous est redevable pour un montant maximal de €6.250

Covered

Insurance certificate (green card)

Covered

The insurer issues an insurance certificate (formerly known as the green card) as proof of the liability cover, valid in every country listed on it; it becomes invalid upon cancellation, termination or suspension of the contract.

Clause Art. 43terPage 20

Section: Titre 1 > 2.2. Dispositions générales

Le certificat d'assurance n'est pas valable en cas d'annulation du contrat et cesse de l'être dès la fin du contrat ou dès la prise d'effet de la résiliation ou de la suspension du contrat.

Covered

24/7 roadside assistance

Covered

Included assistance service, available 24/7, for accident, fire, vandalism, breakdown or theft immobilising the insured vehicle in Belgium, Luxembourg or up to 30 km beyond the Belgian border into neighbouring countries; covers towing to a garage, transport of uninjured passengers home in Belgium, and lock-out/lost-key assistance under specified conditions.

Clause Art. 69Page 29

Section: Titre 1 > 4.2. Assistance 24h/24 > 4.2.3. Objet et étendue

La garantie assistance 24h/24 est uniquement valable si le véhicule automoteur assuré est volé ou immobilisé sur place à la suite d'un accident, d'un incendie, d'un acte de vandalisme ou d'une panne en Belgique, au Luxembourg ou jusqu'à maximum 30 km au-delà des frontières belges avec les autres pays voisins.

Optional

Driver insurance (optional)

€150K

Optional guarantee covering each authorised driver of the insured vehicle for bodily injury and/or death resulting from an accident involving the insured vehicle, regardless of fault, up to: 37,500 EUR in case of death; 37,500 EUR for partial permanent disability; 150,000 EUR for total permanent disability; 75 EUR per day of hospitalisation (max. 365 days); 7,500 EUR for medical costs; 1,500 EUR for clothing costs; 375 EUR for veterinary costs.

Clause Art. 115Page 46

Section: Titre 5 > Art. 115 Indemnités

jusqu'à €37.500,00 en cas de décès ● jusqu'à €37.500,00 en cas d'invalidité permanente partielle ● jusqu'à €150.000,00 en cas d'invalidité permanente totale ● pour une indemnisation de €75,00 par jour d'hospitalisation ● jusqu'à €7.500,00 pour les frais médicaux

Covered

Passenger and weak road user protection (base liability)

unlimited

Bodily injury and clothing damage caused by the insured vehicle to weak road users and to passengers transported by it are compensated without limit, under the legal indemnification obligations for weak road users and innocent victims of traffic accidents.

Page 1

Section: Qu'est-ce qui est assuré? > La responsabilité civile

les dommages corporels et préjudices vestimentaires causés par le véhicule assuré à des usagers faibles de la route et aux passagers.

Key conditions

Driver restrictions

Recourse against the policyholder/insured may apply where, at the time of the claim, the insured vehicle was driven by a person below the legal minimum driving age, without a valid licence, in breach of specific licence restrictions, or disqualified from driving in Belgium, as well as where the accident is caused while driving under the influence of alcohol or drugs. The product is intended for a privately used vehicle with a maximum authorised mass not exceeding 3.5 tonnes.

Claim notification deadline

The policyholder and insured persons must report a claim in writing immediately, and at the latest within 8 days of becoming aware of it.

Bonus-malus rules

The premium for the Civil Liability and Omnium guarantees is personalised each year based on total claims and at-fault claims recorded over the preceding 5 years, according to the insurer's segmentation scale; if the main driver has caused no at-fault claim for 5 consecutive years, a “Joker” bonus applies so the liability premium is not increased after a future at-fault claim.

Territorial scope

Coverage is valid in every country shown on the insurance certificate (green card) issued for the contract; a stay of the insured vehicle in another EEA member state during the contract term is never treated as a risk change.

Documents

General Terms and Conditions - Kilometre Insurance (French) (opens in a new tab)

Terms & conditions · PDF

General Terms and Conditions - Kilometre Insurance (Dutch) (opens in a new tab)

Terms & conditions · PDF

Insurance Product Information Document - Motor Vehicles Insurance (opens in a new tab)

Product information sheet · PDF

Policy specifics

Third-party liability for material damage limit

Material damage to third parties is limited to a maximum of €100,000,000 per claim

Source

Section: Quelles sont les garanties et exclusions? > Responsabilité Civile

L'indemnisation des dégâts matériels aux tiers (autres personnes) est limitée, pour cette assurance, à un maximum de 100.000.000€ par sinistre et est illimitée pour les dommages corporels aux tiers (autres personnes).

Third-party liability for bodily injury - unlimited

Coverage for bodily injury caused to third parties is unlimited

Source

Section: Wat zijn de waarborgen en uitsluitingen? > Burgerlijke Aansprakelijkheid

De vergoeding voor de stoffelijke schade aan derden (andere partijen) wordt door deze verzekering beperkt tot maximaal €100.000.000 per schadegeval en is onbeperkt voor de lichamelijke schade aan derden (andere partijen).

Replacement vehicle (optional coverage)

Optional coverage providing a replacement vehicle for up to 20 days after accident, fire, theft attempt or vandalism, or up to 10 days in case of breakdown, or up to 30 days in case of theft

Source

Section: Quelles sont les garanties et exclusions? > Responsabilité Civile

Si vous avez la garantie optionnelle Véhicule de remplacement, vous bénéficiez d'un véhicule de remplacement en cas d'accident, d'incendie, de tentative de vol ou de vandalisme en Belgique ou au Luxembourg, pendant maximum 20 jours. En cas de panne, vous disposez d'un véhicule de remplacement pendant maximum 10 jours. En cas de vol, la durée maximale est de 30 jours.

Towing and passenger transport assistance

In case of accident or breakdown, the insurer covers towing of the vehicle and transport of uninjured passengers to their home address in Belgium

Source

Section: Wat zijn de waarborgen en uitsluitingen? > Burgerlijke Aansprakelijkheid

We zorgen bij pech of een ongeval in België, Luxemburg of max. 30 km buiten onze landsgrenzen voor pechverhelping van je wagen. Indien nodig zorgen we voor de sleping van het voertuig en het vervoer van de passagiers naar hun domicilie in België.

Unattached trailer coverage

Unattached trailers with a maximum authorized mass (MAM) of 750 kg are covered in third-party liability

Source

Section: Quelles formules existent pour votre voiture?

Remorque non attelée avec M.M.A. 750 kg assurée en RC

Kilometer-based premium calculation

Premium is calculated based on estimated annual kilometers. At the end of the policy year, the actual mileage is verified and the premium is recalculated. Customers are refunded for undriven kilometers or pay a supplement for excess kilometers. Beyond 25,000 km per year, additional kilometers are free.

Source

Section: Veelgestelde vragen

Vanaf 25.000 kilometer per jaar krijg je een vlak tarief en moet je voor extra gereden kilometers niets meer bijbetalen. Reed je uiteindelijk toch minder dan 25.000 kilometer? Dan krijg je alsnog een deel van je premie terug.

Contract duration and renewal

Contracts are concluded for a minimum of one year and are automatically renewed on successive one-year periods unless the policyholder cancels at least 3 months before the expiry date

SourceClause Art. 15Page 10

Section: Titre 1 > 1.2.4. Formation du contrat - Durée - Prime

Sauf si vous vous y opposez au moins deux mois avant l'arrivée du terme du contrat ou si nous nous y opposons au moins trois mois avant l'arrivée du terme du contrat, conformément aux articles 26, 26bis, § 2 et 29, § 2, le contrat est reconduit tacitement pour des périodes successives d'un an.

Driver restrictions and exclusions

Only drivers with a valid category B driving license are covered. Drivers who are prohibited from driving or who have had multiple claims within a short period may be excluded. Damage caused by driving under the influence of alcohol or drugs is excluded.

Source

Section: Comment calculons-nous et assurons-nous? > Critères de segmentation utilisés dans le cadre de la souscription d’une «Assurance au Kilomètre»

Belfius Direct Assurances assure uniquement les conducteurs ayant un permis de conduire B définitif répondant à toutes les conditions légales pour pouvoir circuler avec une voiture en Belgique. Vous avez eu plusieurs accidents sur une courte période ? Dans ce cas, il est possible que vous n’obteniez pas/plus d’Assurance au Kilomètre.

Optional legal protection coverage

Optional coverage that defends the policyholder's rights in case of damage, including coverage for legal fees, attorney fees, expert costs, and bailiff fees in the event of disputes or claims related to accidents or traffic offenses

Source

Section: Quelles garanties optionnelles pouvez-vous ajouter à l'Assurance au Kilomètre? > Protection Juridique

Vous êtes impliqué dans un procès concernant votre responsabilité dans un accident? Nous intervenons dans les frais de justice à concurrence d’un montant maximum de 37.500€ (avec un seuil d’intervention de 148,74€).

Joker claim-free bonus

If the primary driver has no at-fault claims in the past 5 years, they receive a 'Joker' bonus which means their third-party liability premium will not increase in case of a future at-fault accident

Source

Section: Quelles formules existent pour votre voiture? > Responsabilité Civile (RC) > Extras

Un Joker après 5 ans sans accident

Sources

Belfius Direct Motor third-party liability

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