Extracted from source documents

FEDERALE Motor third-party liability (Verzekering Motorrijtuigen Ba)

Underwritten by FEDERALE Assurance / FEDERALE Verzekering · Belgium

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

Verified Aug 26, 2026 · Terms dated 2025-04Sources

24/7 helpline

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 / Legal Defence

€20K

Legal Protection is an optional guarantee reimbursing costs, investigations and fees up to EUR 20,000 per claim for criminal defence and for pursuing recovery actions related to the use of the insured vehicle, plus a specific contractual dispute cover against garages, cleaners and fuel stations within the same limit.

Clause Art. 108Page 34

Section: Dekking III Rechtsbijstand > Artikel 108 Voorwerp

De Verzekeraar neemt tot het beloop van 20.000 EUR per schadegeval, de kosten van allerlei stappen, onderzoeken en honoraria ten laste voortvloeiend uit: — de strafverdediging van een verzekerde...

Covered

Green Card / International Insurance Certificate

Covered

The insurance certificate (green card) is delivered as proof of MTPL cover and lists the countries for which the guarantee is granted, including all EU member states and a number of other listed non-EU countries.

Page 2

Section: Waar ben ik gedekt?

Burgerlijke Aansprakelijkheid, Bijkomende Risico's, Rechtsbijstand en Verzekering bestuurder: In alle landen van de EU, het Verenigd Koninkrijk, in de vorstendommen Andorra en Monaco, in Vaticaanstad, in Ijsland, Liechtenstein, Noorwegen, Servië, San-Marino, Zwitserland, Marokko, Tunesië en Turkije, en in Albanië, Bosnië-Herzegovina, Macedonië en Montenegro (= landen vermeld op het verzekeringsbewijs).

Covered

Roadside Assistance

Covered

FEDERALE Assistance Auto is a base guarantee, available 24/7, providing on-site repair and towing of the vehicle, transport of occupants, and a replacement vehicle for up to 5 days in case of accident, fire, theft, attempted theft or vandalism, for cars and vans (and light goods vehicles up to 3.5T for most services) registered in Belgium; without a prior phone call, reimbursement of self-organised costs is capped at EUR 200.

Clause Art. 117Page 38

Section: Dekking IV Federale Bijstand Auto > Artikel 117 Bijstand

In geval van een ongeval, brand, diefstal of poging tot diefstal, en daden van vandalisme in België en buiten België binnen 50 kilometers van de grens, die het aangeduide voertuig onbruikbaar maken op de plaats van de gebeurtenis, kan de verzekerde 24u/24 en 7 dagen/7 bellen naar het volgende nummer: 02/509 08 00.

Optional

Driver Accident Insurance

€500K

The optional Driver Insurance compensates the insured driver, or their heirs in case of death, for material damage resulting from bodily injury or death in a traffic accident involving the insured vehicle, up to EUR 500,000 (non-indexed) per claim, advances and interest included; moral damage is excluded and the insured driver must be domiciled in Belgium and at least 23 years old.

Clause Art. 123Page 40

Section: Dekking V De verzekering van de bestuurder > Artikel 123 Doel en omvang van de waarborg

De tussenkomst van de Verzekeraar is gedekt tot 500.000 EUR (niet-geïndexeerd) per schadegeval, voorschotten en intresten inbegrepen.

Passenger Accident Insurance

No limit stated

No standalone passenger-accident sum insured is described in the reviewed sources; transported persons are covered as third parties under the mandatory liability guarantee, and the optional Driver Insurance (Dekking V) covers only the driver, not other passengers.

Key conditions

Driver restrictions

The insurer has a right of recourse against the policyholder and/or insured driver where, at the time of the claim, the vehicle was driven by a person who had not reached the legally required minimum age, did not hold a valid driving licence, breached specific licence restrictions, or was subject to a driving ban in Belgium.

Claim notification deadline

Every claim must be reported in writing immediately and at the latest within 8 days of its occurrence to the insurer or to a person designated for that purpose in the contract.

Bonus-malus rules

Premiums follow an a posteriori personalisation scale from degree 0 to 22 (base premium level 100 corresponds to degree 14); a claim-free observed insurance period lowers the degree by one, while each claim raises it by five degrees; entry is normally at degree 14, or degree 11 for limited private/commuting use.

Territorial scope

Cover applies in all EU member states, the United Kingdom, Andorra, Monaco, Vatican City, Iceland, Liechtenstein, Norway, Serbia, San Marino, Switzerland, Morocco, Tunisia, Turkey, Albania, Bosnia and Herzegovina, North Macedonia and Montenegro (countries listed on the insurance certificate); FEDERALE Assistance Auto is limited to Belgium and within 50 km beyond the border.

Documents

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

Terms & conditions · PDF

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

Terms & conditions · PDF

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

Product information sheet · PDF

Policy specifics

Mandatory Third-Party Liability Coverage

Mandatory insurance in Belgium covering damage caused to third parties in traffic accidents where the policyholder is liable

Source

Section: Alles over de verzekering Burgerlijke Aansprakelijkheid Auto > Wat dekt de verzekering BA Auto?

Wanneer de bestuurder van je verzekerde auto – jijzelf of iemand anders – aansprakelijk is voor een verkeersongeval, vergoedt je BA de slachtoffers

Policy Renewal and Cancellation Requirements

Contract is valid for 1 year with automatic renewal unless cancelled at least 2 months before expiry; insurer must notify cancellation at least 3 months before expiry

Source

Section: Wettelijke Bepalingen

Het betreft een overeenkomst met een duur van 1 jaar, stilzwijgend verlengd voor dezelfde periode, behalve wanneer jij je er als verzekeringnemer ten minste 2 maanden voor de vervaldag van de overeenkomst tegen verzet. Als wij, als verzekeraar, ons willen verzetten tegen een stilzwijgende verlenging, dienen we dit te doen ten minste 3 maanden voor de vervaldag van de overeenkomst.

24/7 Roadside Assistance

Roadside assistance is included without additional premium for personal cars and vans; available 24 hours per day, 7 days per week

Source

Section: Alles over de verzekering Burgerlijke Aansprakelijkheid Auto > Is bijstand inbegrepen bij de verzekering BA Auto?

Ja. Bij een verkeersongeval kan je dag en nacht, 7 dagen per week , rekenen op bijstand zonder premietoeslag 2 .

Sources