Extracted from source documents

Ethias Motor third-party liability (Mtpl Standard Toerisme Zaken Minibus)

Underwritten by Ethias · Belgium

motor third-party liability insurance from Ethias for the Belgium market, with 24/7 assistance.

Verified Aug 26, 2026 · Terms dated 2026-04Sources

24/7 helpline

Unique selling points

Mobility roadside assistance is included free of charge and automatically with the base liability cover, available 24/7 in Belgium, Luxembourg and up to 50 km beyond the border.

The BOB guarantee reimburses up to €300,000 for bodily injury and material damage above €500 suffered by a designated sober driver held liable while driving a friend's vehicle free of charge.

The optional Europe guarantee compensates bodily injury suffered abroad according to Belgian common-law compensation levels, whichever foreign law would otherwise apply.

The bonus-malus 'joker', earned after five consecutive claim-free years at grade 0, absorbs the policyholder's first at-fault claim without any increase on the bonus-malus scale.

Repairs carried out by an Ethias-approved repairer come with a reduced or waived contractual deductible, a direct third-party-payer arrangement and a courtesy car.

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 Defence / Legal Assistance

€25K – €75K

Optional legal-assistance guarantee covering investigation, expert, lawyer and procedural costs before Belgian and foreign courts: the base 'Rechtsbijstand' tier covers up to €25,000 per claim, while the extended 'Rechtsbijstand Plus' tier covers up to €75,000 per claim and adds worldwide cover for negotiations and judicial/administrative proceedings plus insolvency-of-third-parties and repatriation cover within the EU, Norway and Switzerland.

Page 1

Section: Wat is verzekerd? > Rechtsbijstand (optioneel)

Basis ... Tot € 25 000 per schadegeval. Plus ... Tot € 75 000 per schadegeval.

Covered

Green Card (International Insurance Certificate)

Covered

The Green Card is issued automatically with the mandatory civil liability cover and extends the policy's territorial validity to every country shown on the card that has not been struck out, in line with the international motor insurers' agreement.

Covered

Roadside Assistance (Mobility)

Covered

Free, automatic 24/7 roadside assistance is included with the civil liability cover: after a traffic accident in Belgium, the Grand Duchy of Luxembourg or up to 50 km beyond the Belgian border with neighbouring countries, Ethias tows the damaged vehicle and brings passengers safely home, regardless of fault; a courtesy car can also be provided if the policyholder is undisputedly in the right or holds full omnium cover and uses an Ethias-approved repairer.

Page 7

Section: MOBILITY

Ethias verleent 24 uur per dag gratis pechverhelping aan alle verzekerden met de waarborg burgerlijke aansprakelijkheid... De verzekeringnemer kan een vervangvoertuig krijgen als hij onbetwistbaar in zijn recht is...

Optional

Driver Accident Insurance

€1.5M

Optional guarantee paying up to €1,500,000 per claim for the bodily injury or death of the driver of the insured vehicle in a traffic accident, whether or not the driver was at fault, calculated under Belgian common-law compensation rules.

Page 1

Section: Wat is verzekerd?

Verzekering van de bestuurder (optioneel): dekt de lichamelijke letsels en het overlijden van de bestuurder bij een aansprakelijk of niet aansprakelijk ongeval en dit tot € 1 500 000 per schadegeval.

Conditional

Passenger Accident Cover (Weak Road User Compensation)

unlimited

There is no standalone passenger-accident product; passengers of the insured vehicle qualify as 'weak road users' under article 29bis of the law of 21 November 1989, so the insurer must compensate their bodily injury without any indemnity limit, regardless of fault, as part of the mandatory civil liability cover. Only the driver can additionally be covered, and only under the optional Driver Accident Insurance.

Clause Art. 50Page 30

Section: Titel 1.3 > Hoofdstuk 1 De vergoedingsplicht > Afdeling 1 Wettelijke basis > Artikel 50 Vergoeding van zwakke weggebruikers

De verzekeraar is verplicht, overeenkomstig artikel 29bis van voornoemde wet van 21 november 1989, alle schade te vergoeden zoals omschreven in dit artikel.

Key conditions

Driver restrictions

The insurer has a right of recourse against the policyholder or insured if the vehicle is driven by someone who does not meet the legal minimum age, holds no valid driving licence, breaches the specific restrictions on their licence, or is banned from driving in Belgium, or if the vehicle fails Belgian roadworthiness inspection and is used outside the still-authorised routes; drivers under 26 years old trigger a contractual excess of €800 (or €500 if declared in the policy and the claim occurs on a weekend or public-holiday night) when the policyholder is 30 or older.

Claim notification deadline

Every claim must be reported in writing immediately and at the latest within 8 days of occurrence.

Bonus-malus rules

The base commercial premium is calculated at bonus-malus grade 13 (100%); the scale runs from grade 0 (45% of the base premium) to grade 22 (219%). Each claim-free observed insurance period lowers the grade by 1, while each at-fault claim raises it by 5. Policyholders at grade 0 for 3+ years get a 5% discount, rising to 10% after 8+ years; a 'joker' earned after 5 consecutive claim-free years at grade 0 protects against the first at-fault claim, keeping the policyholder at grade 0.

Territorial scope

Civil liability coverage applies in every country shown on the Green Card that has not been struck out, in line with the international motor insurers' agreement; the optional Europe guarantee additionally covers bodily injury under Belgian common law in a defined list of European countries.

Documents

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

Terms & conditions · PDF

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

Terms & conditions · PDF

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

Product information sheet · PDF

Policy specifics

Mobility Benefits (Roadside Assistance)

Free 24-hour roadside assistance service included automatically with third-party liability coverage. Includes towing, passenger repatriation, and potential replacement vehicle provision under specific conditions.

SourcePage 7

Section: MOBILITY

Ethias verleent 24 uur per dag gratis pechverhelping aan alle verzekerden met de waarborg burgerlijke aansprakelijkheid.

Bodily Injury Liability Limit

No compensation limit for damages resulting from bodily injury (death, injury, illness) caused to third parties. This is unlimited coverage as required by Belgian law.

SourceClause Art. 34 §2Page 24

Section: Titel 1 - Burgerlijke aansprakelijkheid > Artikel 34 Prestatie van de verzekeraar bij schade

Er is geen vergoedingsgrens voor schade als gevolg van lichamelijke letsels.

Property Damage Liability Limit

Compensation for material damage caused to third parties is limited to €100,000,000 per claim. This high limit covers damage to vehicles, property, and other assets belonging to third parties.

SourceClause Art. 34 §2Page 24

Section: Titel 1 - Burgerlijke aansprakelijkheid > Artikel 34 Prestatie van de verzekeraar bij schade

De vergoedingsgrens voor materiële schade is 100 miljoen euro per schadegeval.

Geographic Coverage Area

Third-party liability coverage applies in all countries specified on the Green Card (insurance certificate) that have not been struck out. Coverage follows the international motor insurance agreement framework.

SourceClause Art. 39Page 27

Section: Titel 1.2 > Hoofdstuk 1 De waarborg > Artikel 39 Territoriale uitgestrektheid

De dekking wordt verleend voor een schadegeval dat gebeurd is in ieder land waarvoor de dekking volgens het verzekeringsbewijs toegekend wordt.

Claims Notification Timeline

In case of a traffic accident, the insured must notify Ethias in writing immediately and at the latest within 8 days of the accident, and file an accident report (European Accident Statement) with the local police where applicable.

SourceClause Art. 32 §1Page 24

Section: Titel 1 - Burgerlijke aansprakelijkheid > Hoofdstuk 2 Schadegeval > Artikel 32 Schadeaangifte

Ieder schadegeval moet onmiddellijk en ten laatste binnen acht dagen nadat het gebeurd is, schriftelijk aangegeven worden aan de verzekeraar...

Scope of Insured Persons

Coverage extends to: (1) the policyholder, (2) any authorized driver of the insured vehicle, (3) passengers transported in the vehicle, and (4) any other person legally liable for damages caused by the vehicle. Coverage is specific to third-party liability.

SourceClause Art. 41Page 27

Section: Titre 1.2 > Chapitre 1 La garantie > Article 41 Personnes assurées

Est couverte la responsabilité civile : 1. du preneur d'assurance ; 2. du propriétaire, de tout détenteur, de tout conducteur du véhicule automoteur désigné et de toute personne que ce véhicule transporte...

Direct Payment vs. Reimbursement

Ethias reserves the right to pay compensation directly to the injured third party or their heirs, or to reimburse the policyholder. Ethias pays beyond the compensation limits for interest on the principal compensation due, civil action costs, and attorney/expert fees.

SourceClause Art. 34 §1Page 24

Section: Titre 1 - Responsabilité civile > Chapitre 2 Sinistre > Article 34 Prestation de l'assureur en cas de sinistre

L’assureur paie même au-delà des limites d’indemnisation, les intérêts sur l’indemnité due en principal, les frais afférents aux actions civiles... ainsi que les honoraires et les frais des avocats et des experts...

Premium Payment Obligation

The policyholder must pay the annual premium and applicable taxes/contributions by the premium due date. Payment must be made to Ethias or a duly authorized collection agent. Failure to pay voids coverage.

SourceClause Art. 27 §2Page 20

Section: Titre 1 - Responsabilité civile > Titre 1.1 Dispositions générales > Chapitre 1 Le contrat > Section 6 Fin du contrat > Article 27 Facultés de résiliation pour le preneur d'assurance

Le preneur d'assurance peut résilier le contrat à la fin de chaque période d'assurance mais au plus tard deux mois avant la date de son échéance.

Subrogation Rights

When Ethias pays compensation for damage caused by a third party, Ethias is subrogated into the insured's rights and claims against the liable third party. Ethias can pursue recovery of paid compensation from the responsible party.

SourceClause Art. 34 §6Page 24

Section: Titre 1 - Responsabilité civile > Chapitre 2 Sinistre > Article 34 Prestation de l'assureur en cas de sinistre

L’assureur qui a payé l’indemnité est subrogé, à concurrence du montant de celle-ci, dans les droits et actions de l’assuré contre les tiers responsables du dommage.

Sources