Belfius Insurance SA/NV, trading as Belfius Direct Insurance (Belfius Direct)
Belfius Direct
Belfius Direct is a motor third-party liability insurance for the Belgium market with online purchase and 24/7 assistance.
Direct payment
Under the optional Legal Protection guarantee, the insurer pays lawyer, expert and bailiff fees directly so the insured does not need to advance these costs; no specific direct-payment-to-provider policy for other guarantees is stated in the available documents.
Geographic scope
Belgium (nationwide)
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.
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
Bodily injury liability - unlimited
unlimited
Compensation for bodily injury caused to third parties by the insured vehicle is unlimited; there is no maximum indemnity limit for physical injury claims.
Property damage liability limit
€100,000,000
Material damage caused to third parties by the insured vehicle is limited to a maximum of 100,000,000 EUR per claim, indexed in accordance with the law of 21 November 1989.
Legal Protection (optional)
€37,500
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.
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.
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.
Driver insurance (optional)
€150,000
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.
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.
Key conditions
Territorial scope
Coverage applies to accidents occurring in any country shown on the insurance certificate (green card); a temporary stay of the insured vehicle in another EEA member state during the contract is never treated as a risk change.
Green card rules
An insurance certificate (green card) is issued as proof of cover as soon as liability cover is granted; it is not valid in case of cancellation of the contract and loses its validity as soon as the contract ends or its cancellation or suspension takes effect.
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.
Where to buy
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
SourceThird-party liability for bodily injury - unlimited
Coverage for bodily injury caused to third parties is unlimited
SourceReplacement 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
SourceTowing 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
SourceUnattached trailer coverage
Unattached trailers with a maximum authorized mass (MAM) of 750 kg are covered in third-party liability
SourceKilometer-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.
SourceContract 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
SourceDriver 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.
SourceOptional 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
SourceJoker 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