BNP Paribas Fortis SA/NV
BNP Paribas Fortis
BNP Paribas Fortis is a motor third-party liability insurance for the Belgium market with online purchase and 24/7 assistance.
Direct payment
When repairs are carried out by a repairer from AG's approved repairer network, AG Insurance pays the invoice directly to the repairer (for Omnium/Casco claims, or for RC claims where the insured is not at fault), and the client receives a free replacement vehicle for the duration of the immobilisation.
Geographic scope
Belgium and all countries listed on the vehicle's insurance certificate (green card), including EU member states, Andorra, Monaco, Vatican City, Bulgaria, Hungary, Iceland, Liechtenstein, Malta, Norway, Romania, San Marino, Switzerland, Czechia, Slovakia, Morocco, Tunisia and Turkey
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
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.
Legal defence (Protection juridique)
€75,000
Only in Protection juridique
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.
Green card / international insurance certificate
Covered
No limit stated
Not explicitly detailed as a separate guarantee in the reviewed sources; the vehicle's insurance certificate lists the countries in which the RC Auto cover applies.
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.
Driver accident cover (RC Max)
€250,000
Only in RC Max, Top Conducteur
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.
Passenger accident cover (RC Max XL)
€250,000
Only in RC Max XL
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.
Key conditions
Territorial scope
RC Auto cover applies to accidents occurring in Belgium and in all countries listed on the vehicle's insurance certificate; when the accident occurs abroad, the cover corresponds to that mandated by the local compulsory motor insurance law, unless Belgian law provides a wider guarantee.
Green card rules
The countries for which cover is granted are those validated on the vehicle's insurance certificate (green card); free roadside assistance to the vehicle is limited to Belgium and up to 30 km beyond the border, while assistance to persons under Top Bijstand, RC Max and RC Max XL applies worldwide.
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.
Documents
General terms and conditions - RC Auto insurance (edition 18/11/2023)
Terms & conditions
General terms and conditions - RC Auto insurance (2016 edition, superseded)
Terms & conditions
Insurance Product Information Document - RC Auto (French)
IPID
Insurance Product Information Document - RC Auto (Dutch)
IPID
RC Auto marketing brochure
Other document
Policy specifics
RC Max - Driver injury coverage
Optional extension covering driver injuries up to €300,000 for drivers with bonus-malus rating -2, provided at no extra cost
SourceImmediate 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
SourceBonus-Malus scale with -2 guarantee
Favorable bonus-malus scale descending to -2; once achieved, driver maintains lowest premium for life regardless of future accidents
SourceLegal 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
SourceVulnerable road users coverage
Compensation for bodily harm to vulnerable road users including cyclists, pedestrians, and motor vehicle passengers caused by insured vehicle
SourceClaim reporting obligation
Policyholder must declare claim and circumstances as soon as possible; failure to do so may affect coverage
SourceContract duration and automatic renewal
One-year contract with automatic renewal each year unless cancelled at least 2 months before annual expiry date
SourceInsured 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)
Source