BNP Paribas Fortis Motor third-party liability (Rc Auto)
Underwritten by AG Insurance SA/NV · Belgium
motor third-party liability insurance from BNP Paribas Fortis for the Belgium market, with online purchase and 24/7 assistance.
Verified Aug 27, 2026 · Terms dated 2023-11-18Sources
Unique selling points
RC Max, a market-unique guarantee, compensates the driver's bodily injury up to €250,000 even when at fault, free of charge once Bonus-Malus level -2 is reached.
Once Bonus-Malus level -2 is reached, the driver keeps the lowest premium for life, even after a future at-fault accident.
Free 24/7 roadside assistance covers flat tyres and breakdowns, including towing to a garage of the insured's choice and a free replacement vehicle.
A written commitment guarantees the policy will never be cancelled based solely on the driver's age, offering extra security to older drivers.
Premium discounts of up to 15% for low annual mileage and 10% for vehicles equipped with two approved driver-assistance systems.
Coverage limits
Bodily injury liability
unlimited
There is no indemnity limit for damages resulting from bodily injury caused to third parties.
Section: Titre I > Chapitre III: Sinistre > Article 34
Il n’y a aucune limite d’indemnisation pour les dommages résultant des lésions corporelles.
Property damage liability
€100M – €120.1M
The indemnity limit for material damage is €100,000,000 per claim, indexed under the law of 21 November 1989 (currently €120,067,656).
Section: Titre I > Chapitre III: Sinistre > Article 34
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.
Legal defence (Protection juridique)
€75K
Optional guarantee that covers the insured's defence in case of offences, claims for damages against a third party, contractual disputes (e.g. with a repairer) or advances on compensation; costs and fees for experts, lawyers and legal proceedings are covered up to 75,000 EUR.
Section: Qu'est-ce qui est assuré? > Garanties optionnelles > Protection juridique
Protection juridique : cette garantie intervient pour vous défendre en cas d’infraction, si vous réclamez une indemnisation d’un tiers, en cas de litige contractuel par exemple avec votre garagiste ou encore pour une avance sur indemnisation. Les frais et honoraires d’expertises et enquêtes, d’intervention d’un avocat et de procédure en justice sont couverts.
Green card / international insurance certificate
Covered
No limit stated
The vehicle's insurance certificate lists the countries in which the liability cover applies.
Section: Où suis-je couvert(e)?
Pour la garantie RC Véhicule automoteur, l’Omnium, la Protection juridique et le volet Assistance au véhicule de la Top Assistance : les pays validés sur le certificat d’assurance du véhicule.
Immediate 24/7 roadside assistance
Covered
Free 24/7 assistance in case of immobilisation following an accident (including a flat tyre) in Belgium or up to 30 km beyond the border: towing to a garage of the insured's choice, a free replacement vehicle for 24 hours (extended to Monday if the accident occurs on a Friday or weekend), and transport of uninjured occupants; beyond 30 km from the border, the vehicle is towed and passengers transported to the nearest garage. Reserved for Tourism & Business vehicles, two-wheelers, motorhomes under 3.5t and vans under 3.5t.
Section: Introduction > L’Assistance Immédiate
Si vous êtes immobilisés à la suite d’un accident de circulation (crevaison incluse), en Belgique ou jusqu’à 30 km au-delà de la frontière, vous pouvez toujours compter sur une assistance gratuite 24h/24.
Driver accident cover (RC Max)
€250K
RC Max is granted free of charge once the driver reaches Bonus-Malus level -2 and compensates the driver's bodily injury (and damage to clothing worn), even when at fault, up to 250,000 EUR per claim. An optional extension, Top Conducteur/Top Bestuurder, provides similar cover without requiring BM-2, up to 1,239,467.62 EUR.
Section: Les atouts de la RC Auto > Et nous allons encore plus loin avec la RC Max
Dès que vous atteignez le Bonus-Malus -2, vous bénéficiez aussi de la RC Max. Gratuitement et à vie2. Une RC Auto ne couvre en principe pas les dommages corporels subis par le conducteur lui-même.
Passenger accident cover (RC Max XL)
€250K
Optional extension of RC Max that compensates bodily injury or death of the main driver, their cohabiting partner and other insured passengers of a private car or van under 3.5t, worldwide, following a road accident abroad; capped at 250,000 EUR per injured or deceased insured person, after deduction of third-party payer interventions.
Section: EXTENSION DE VOTRE CONTRAT « ASSURANCE R.C. AUTO » > RC MAX XL > Etendue de la garantie
Le montant de l’intervention de la compagnie est limité à 250.000 EUR maximum par assuré blessé ou décédé.
Key conditions
Driver restrictions
At the conclusion of the contract, the policyholder must fully and accurately inform the insurer of the risk to be insured, including the identity of the main driver and any regular driver under 23 years old; any subsequent change of main driver, of a regular driver under 23, of address or of vehicle must be reported.
Claim notification deadline
Any claim must be reported in writing immediately and at the latest within 8 days of its occurrence; the insurer cannot invoke non-compliance with this deadline if the declaration was made as quickly as could reasonably be done.
Bonus-malus rules
The Turbo Bonus personalisation scale runs from degree -2 (lowest premium, 54% of base) to degree 22 (200% of base); entry is at degree 14 (or 11 for limited/private use). Each claim year with one or more claims moves the driver up 5 degrees per claim, while a claim-free year moves the driver down 1 degree; once degree -2 is reached, further claims no longer increase the degree and the driver keeps the lowest premium for life (subject to exceptions such as hit-and-run or drink-driving at fault), also unlocking the free RC Max guarantee.
Territorial scope
Cover is granted for claims occurring in any country for which cover is granted according to the vehicle's insurance certificate; when a claim occurs abroad, the cover provided is that required by the compulsory motor insurance legislation of the country where the claim occurred, unless Belgian law grants broader cover
Documents
General terms and conditions - RC Auto insurance (edition 18/11/2023) (opens in a new tab)
Terms & conditions · PDF
General terms and conditions - RC Auto insurance (2016 edition, superseded) (opens in a new tab)
Terms & conditions · PDF
Insurance Product Information Document - RC Auto (French) (opens in a new tab)
Product information sheet · PDF
Insurance Product Information Document - RC Auto (Dutch) (opens in a new tab)
Product information sheet · PDF
RC Auto marketing brochure (opens in a new tab)
Other document · PDF
Policy specifics
RC Max - Driver injury coverage
Free extension, granted once bonus-malus -2 is reached, covering the driver's bodily injury up to €250,000 even when at fault
SourcePage p. 37/39Section: Extension de votre contrat «Assurance RC Auto» RC MAX > Etendue de la garantie
Le montant de l’intervention de la compagnie est limité à 250.000 EUR maximum par sinistre.
Immediate 24/7 roadside assistance
Free 24-hour roadside assistance included in RC Auto policy for breakdowns, flat tires, and accidents in Belgium and up to 30 km across border
SourcePage 3Section: Introduction > L'Assistance Immédiate
Si vous êtes immobilisés à la suite d’un accident (crevaison incluse), en Belgique ou jusqu’à 30 km au-delà de la frontière, vous pouvez toujours compter sur une assistance gratuite 24h/24.
Bonus-Malus scale with -2 guarantee
Favorable bonus-malus scale descending to -2; once achieved, driver maintains lowest premium for life regardless of future accidents
SourcePage p. 1/2Section: Les atouts de la RC Auto > Les conducteurs avec Bonus-Malus -2 récompensés à vie1
L’échelle Bonus-Malus descend jusqu’au degré -2. Dès que vous atteignez ce degré le plus bas, vous êtes certain de le conserver à vie1… et ainsi, de toujours payer la prime la plus basse. Même en cas d’accident en tort!
Legal minimum mandatory coverage
RC Auto is mandatory insurance in Belgium covering minimum legally required third-party liability for material and bodily harm caused to others
SourcePage p. 3/39Section: Introduction
L’assurance RC Auto est une assurance légalement obligatoire dont les couvertures sont fixées selon des conditions minimales identiques pour tous les assureurs.
Vulnerable road users coverage
Compensation for bodily harm to vulnerable road users including cyclists, pedestrians, and motor vehicle passengers caused by insured vehicle
SourceSection: The scope of your protection > The main risks covered
compensation for bodily harm to vulnerable road users (cyclists, pedestrians, and motor vehicle passengers)
Claim reporting obligation
Policyholder must declare claim and circumstances as soon as possible; failure to do so may affect coverage
SourcePage p. 2/2Section: Quelles sont mes obligations?
Vous devez déclarer un sinistre et ses circonstances aussi rapidement que possible. Vous devez également prendre toutes les mesures raisonnables pour limiter les conséquences du sinistre.
Contract duration and automatic renewal
One-year contract with automatic renewal each year unless cancelled at least 2 months before annual expiry date
SourcePage p. 2/2Section: Wanneer begint en eindigt de dekking?
Het contract loopt een jaar. Zonder tegenbericht, wordt het elk jaar automatisch verlengd.
Insured information obligation
At contract conclusion, policyholder must inform insurer completely and accurately about risk to be insured (e.g. main driver identity, regular under-23 driver)
SourcePage p. 2/2Section: Quelles sont mes obligations?
Lors de la conclusion du contrat, vous devez nous informer de manière complète et exacte sur le risque à assurer (e.a. identité du conducteur principal, d’un éventuel conducteur habituel de – de 23 ans, …).
Sources
- ag.behttps://ag.be/dam/transversal/retail/documents/product-documents/fr/vehicles/20004F.pdf#page=22(opens in a new tab)
- ag.behttps://ag.be/dam/transversal/retail/documents/product-documents/fr/vehicles/20004F.pdf#page=3(opens in a new tab)
- ag.behttps://ag.be/dam/transversal/retail/documents/product-documents/fr/vehicles/20004F.pdf#page=37(opens in a new tab)
- inside2.aginsurance.behttps://inside2.aginsurance.be/dam/public/product/non-life/00798294500N.pdf#page=2(opens in a new tab)
- inside2.aginsurance.behttps://inside2.aginsurance.be/dam/public/sectorcat-versioning/0079-2000424F-23012016.pdf#page=25(opens in a new tab)
- inside2.aginsurance.behttps://inside2.aginsurance.be/dam/public/sectorcat-versioning/0079-2000424F-23012016.pdf#page=3(opens in a new tab)
- inside2.aginsurance.behttps://inside2.aginsurance.be/dam/public/sectorcat-versioning/0079-8294536F-01102024.pdf#page=1(opens in a new tab)
- inside2.aginsurance.behttps://inside2.aginsurance.be/dam/public/sectorcat-versioning/0079-8294536F-01102024.pdf#page=2(opens in a new tab)
- inside2.aginsurance.behttps://inside2.aginsurance.be/dam/public/sectorcat-versioning/00792341400F.pdf#page=1(opens in a new tab)
- bnpparibasfortis.behttps://www.bnpparibasfortis.be/en/public/individuals/insurance/vehicle-insurance/car/third-party-liability(opens in a new tab)
BNP Paribas Fortis Motor third-party liability