NewB SCE (European Cooperative Society with limited liability)
NewB
NewB is a motor third-party liability insurance for the Belgium market with no online purchase and 24/7 assistance.
Direct payment
The insurer pays compensation directly to injured third parties or their beneficiaries for amounts due under the mandatory liability cover, without requiring the policyholder to advance the funds.
Geographic scope
Belgium and Green Card countries
Cover extends to Belgium and all countries listed on the insurance certificate (green card), typically the EU plus a number of additional European and neighbouring countries.
Unique selling points
- Simplified, transparent pricing with fewer underwriting questions than the market average, promoting solidarity among policyholders.
- Modular product letting customers choose only the coverages they need (RC, Omnium, Driver Safety, Legal Protection) instead of a fixed bundle.
- Fast claims handling via the Aedes Group, with a guaranteed response within 2 hours of notification.
- Backed by Monceau Générale Assurances, a French mutual insurer supporting NewB's cooperative and ethical insurance model since 2015.
- Free 24/7 vehicle assistance (towing and breakdown service) included automatically with the mandatory liability cover.
Coverage limits
Bodily Injury Liability
unlimited
Bodily injury liability is unlimited under the mandatory Belgian motor third-party liability cover.
Property Damage Liability
€100,000,000
Property damage liability is capped at €100,000,000 per claim, indexed every five years to the Belgian consumer price index.
Legal Protection
€75,000
Optional legal protection cover reimburses legal defence costs up to €75,000 (VAT included) per claim, covering criminal defence, civil recourse, and contractual or administrative disputes related to the insured vehicle.
Green Card / Insurance Certificate
Covered
The insurance certificate (green card) proves the existence of the mandatory liability cover and specifies the countries in which the guarantee applies (EU member states plus additional listed countries).
Roadside Assistance
Conditional
Vehicle assistance (breakdown service and towing) is included free of charge with the RC cover for accidents, fire, theft or vandalism occurring in Belgium or within 30 km beyond its borders; broader assistance (including mechanical breakdown and coverage abroad in numerous European countries) is available as an optional extension.
Driver Safety / Personal Accident (Driver)
€100,000
The optional Driver Safety cover compensates the insured driver for bodily injury: €15,000 in case of death, up to €100,000 for permanent invalidity above 20% (proportional to the degree of invalidity), up to €2,500 for medical costs over 3 years, plus €500 for clothing and €500 for veterinary expenses.
Passenger / Vulnerable Road User Accident Cover
unlimited
Passengers and other non-driver road users injured in an accident involving the insured vehicle are compensated for bodily injury under the mandatory indemnification of vulnerable road users (Article 29bis of the Law of 21 November 1989), regardless of fault.
Key conditions
Territorial scope
Cover applies to accidents occurring in Belgium and in any country shown on the insurance certificate (green card), which generally includes all EU member states plus countries such as Andorra, Monaco, Switzerland, Norway, Iceland, Serbia, North Macedonia, Morocco, Tunisia and Turkey, depending on the certificate in force.
Green card rules
The green card (certificate of insurance) is issued once cover takes effect and must be returned to the insurer when cover ends; theft of the designated vehicle, non-replacement of the vehicle, or non-payment of the premium can lead to suspension of cover and invalidation of the certificate.
Driver restrictions
The main driver must hold a valid Belgian driving licence of at least category B; the insurer has a right of recourse against the policyholder or insured if, at the time of the claim, the vehicle was driven by a person who did not meet the minimum age, held no valid licence, was disqualified from driving, or breached specific licence restrictions.
Claim notification deadline
Any claim must be reported in writing immediately and at the latest within 8 days of its occurrence.
Bonus-malus rules
Premiums are adjusted at each annual renewal through an a posteriori personalisation mechanism combining the main driver's years of driving experience (from a 100% premium level for 0-4 years down to roughly 30-46% for 30+ years, depending on the guarantee) and the number of at-fault claims in the previous 5 years (from 100% with no claims up to 450% with 5 or more claims).
Policy specifics
Civil Liability (Mandatory)
Third-party liability insurance is mandatory in Belgium and covers bodily and material damages caused to third parties for which the insured is responsible
SourceOmnium Coverage (Partial or Full)
Optional coverage for damages to the insured vehicle itself from fire, theft, vandalism, accident-related damage, and mechanical defects
SourceDriver Safety Coverage (Optional)
Optional coverage for bodily injuries of the driver and passengers in case of accident
SourceLegal Protection (Optional)
Optional coverage for legal defense, civil claims, contractual disputes related to the insured vehicle, administrative disputes, insolvency of third parties, and advance payment for vehicle or bodily damages
SourceAssistance Coverage (Included with RC)
Included with civil liability: breakdown service and towing on Belgian territory and within 30 km; optional extended assistance including replacement vehicle abroad (max 5 days), mechanical defect assistance, fuel assistance, key loss/theft assistance
SourceAnnual Contract Duration
Contracts are annual agreements with automatic tacit renewal each year unless cancelled by either party with at least 3 months notice before the anniversary date
SourceSimple and Transparent Pricing
NewB uses simplified pricing with fewer underwriting questions compared to market practice and limited segmentation to promote solidarity among policyholders
SourceModular Coverage Selection
Policyholders can select from four separate coverage options: Civil Liability (mandatory), Omnium, Driver Safety, and Legal Protection. Customers choose only the coverage they need
SourceClaims Management by Aedes
Aedes Group (based in Namur and Oudenaarde) manages claims. Guarantees response within 2 hours of claim notification and handles necessary communications within 2 days
SourceInsurer: Monceau Générale Assurances
NewB acts as agent for Monceau Générale Assurances, a French mutual insurance group supporting NewB since 2015. Monceau is a C-cooperator of NewB confirmed by the General Assembly
Source