Federale Insurance / Federale Assurance-Verzekering, Mutual Insurance Association
FEDERALE
FEDERALE is a motor third-party liability insurance for the Belgium market with no online purchase and 24/7 assistance.
Direct payment
As a mandatory third-party liability insurance, FEDERALE pays compensation directly to injured third parties rather than to the policyholder; under the assistance guarantee, towing and repair costs are settled directly with the approved service provider within the limits and conditions of that guarantee.
Geographic scope
Belgium
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.
Coverage limits
Bodily Injury Liability
unlimited
Bodily injury caused to third parties is compensated without any indemnity limit, in accordance with the mandatory Belgian MTPL law of 21 November 1989.
Property Damage Liability
€100,000,000
Property damage caused to third parties is covered up to EUR 100 million per claim, an amount indexed annually in accordance with article 3 of the law of 21 November 1989.
Legal Protection / Legal Defence
€20,000
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.
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.
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.
Driver Accident Insurance
€500,000
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.
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
Territorial scope
Cover extends to 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); roadside assistance is limited to Belgium and within 50 km of the border.
Green card rules
The green card / insurance certificate proves cover in each listed country; when a claim occurs abroad in a country on the certificate, the cover applied is that of the local compulsory motor insurance law, but the insured may never be deprived of the broader cover Belgian law would grant.
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.
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
SourcePolicy 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
SourceBonus-Malus Rating System
Good drivers are rewarded with rate reductions through a bonus-malus system; drivers with no claims in past 5 years and at least 1 year driving experience qualify for CombiSave discount when combined with other Federale products
Source24/7 Roadside Assistance
Roadside assistance is included without additional premium for personal cars and vans; available 24 hours per day, 7 days per week
Source