P&V Motor third-party liability (Pv Auto Ba)
Underwritten by P&V Assurances SCRL · Belgium
motor third-party liability insurance from P&V for the Belgium market, with online purchase and 24/7 assistance.
Verified Aug 26, 2026 · Terms dated 2018-12-01Sources
Unique selling points
P&V's car legal protection (via Arces) has won the Decavi award for best Car Legal Protection in Belgium for 12 consecutive years.
Combining BA with other P&V policies (home, family, etc.) can bring a total premium discount of up to 40%.
A no-extra-cost 'BOB' guarantee is built into the BA cover: if a sober designated driver causes an accident with the insured's car, the policy still covers the damage.
Digital tools let customers pay and sign online so cover can start immediately, with policy documents sent by e-mail the same day.
A dedicated 24/7 assistance line (02 229 00 11) covers the vehicle, the family and the individual, not just breakdown/accident towing.
Coverage limits
Liability limit (covers injury + property damage)
One combined sum for both bodily injury and property damage, not two separate limits.
unlimited
Legal protection (Protection juridique)
€125K
Optional legal protection guarantee (Title 2), managed by Arces, covering legal fees, expert and lawyer costs up to EUR 125,000 including VAT per claim; sub-guarantees such as insolvency of third parties, advance of funds, penal bail and vehicle repatriation are capped at EUR 25,000 including VAT.
Green card / international insurance certificate
Covered
Every BA policy automatically includes an insurance certificate (the former 'green card', now a white document) proving cover in Belgium and in every non-crossed-out country listed on it; no separate premium applies for this certificate.
Section: In welke landen ben ik gedekt door mijn BA-verzekering auto?
Op uw verzekeringsbewijs staat de lijst met de landen waar uw autoverzekering geldig is.
Roadside assistance (Assistance)
Optional
Optional Assistance guarantee (Title 5), run via P&V Assistance/IMA Benelux, covering breakdown, accident and theft assistance: roadside repair, towing, vehicle transport/repatriation, replacement vehicle and occupant transport/hotel costs, subject to service-specific sub-limits (e.g. towing reimbursed up to EUR 250 in Belgium / EUR 400 abroad when P&V Assistance was not called in advance).
Driver protection (Protection du conducteur)
€1.3M
Optional guarantee (Title 3) covering the insured driver's own bodily injury or death; under the 'common law' (Droit commun) formula total indemnities are capped at EUR 1,250,000 per claim, indexed annually; a flat-rate ('Formule forfaitaire') alternative sets its own capital sums in the special conditions.
Passenger accident cover
unlimited
Passengers carried in the insured vehicle are treated as third parties and are compensated, without any indemnity ceiling for bodily injury, whenever the insured driver is held liable for the accident; the liable driver's own bodily injury is excluded from this liability cover (a separate optional Driver protection guarantee applies to the driver).
Section: Burgerlijke aansprakelijkheid auto > Wat dekt de verzekering burgerlijke aansprakelijkheid?
Ook uw eigen passagiers zijn gedekt voor letselschade.
Key conditions
Driver restrictions
Third parties remain covered regardless of who was driving, but the insurer has recourse against the policyholder and/or the insured if, at the time of the claim, the vehicle was driven by someone below the legal minimum age, without a valid driving licence for that vehicle, in breach of licence restrictions, or disqualified from driving in Belgium.
Claim notification deadline
Every claim must be reported in writing immediately and at the latest within 8 days of its occurrence, though the insurer cannot invoke a late declaration if it was made as soon as reasonably possible.
Bonus-malus rules
P&V applies an a-posteriori personalisation (bonus-malus) scale running from degree -2 (lowest premium level, 54% of base) to degree 22 (highest, 200% of base); a new policyholder normally enters at degree 11 (adjusted for driving experience and recent at-fault claims), the degree drops by 1 for each claim-free observed year and rises by 5 degrees per at-fault third-party-liability claim.
Territorial scope
Cover applies in Belgium and in every country listed on the insurance certificate (the former 'green card', now a white document); a country that is crossed out on the certificate is excluded unless a temporary extension is requested from the insurer.
Documents
General Terms and Conditions 'P&V Auto' (Dutch, 12-2018) (opens in a new tab)
Terms & conditions · PDF
General Terms and Conditions 'P&V Auto' (French, 12-2018) (opens in a new tab)
Terms & conditions · PDF
Insurance Product Information Document - P&V Auto (French) (opens in a new tab)
Product information sheet · PDF
P&V car insurance product page (opens in a new tab)
Other document · PDF
P&V dossier: what is BA car insurance? (opens in a new tab)
Other document · PDF
Policy specifics
Third-party bodily injury and death
Coverage for bodily injury or death caused to third parties by the insured vehicle
SourceSection: Wat dekt een BA-verzekering auto?
Schade berokkend aan de tegenpartij: voertuig, gebouw, openbare weg enz. Ja
Third-party material damage
Coverage for material damage to vehicles, property, and other assets owned by third parties caused by the insured vehicle
SourceSection: Wat dekt een BA-verzekering auto?
Schade berokkend aan de tegenpartij: voertuig, gebouw, openbare weg enz. Ja
Passenger coverage for bodily injury
Third-party liability insurance covers passengers in the insured vehicle (except the driver when liable) for bodily injury
SourceSection: Burgerlijke aansprakelijkheid auto > Wat dekt de verzekering burgerlijke aansprakelijkheid?
Ook uw eigen passagiers zijn gedekt voor letselschade.
Weak road user protection
Belgian law mandates that BA insurance covers bodily and clothing damage of pedestrians, cyclists, and other vulnerable road users regardless of fault
SourceSection: Dekt de BA-verzekering auto altijd alle schade die ik veroorzaak met mijn voertuig?
Bij een ongeval is de verzekeraar van het voertuig ook verplicht om de lichamelijke schade en de kledijschade van de zwakke weggebruiker terug te betalen, ongeacht de aansprakelijkheid.
Geographic coverage validity
BA insurance covers the insured vehicle in Belgium and all countries listed on the insurance certificate (former 'green card', now a white document)
SourceSection: In welke landen ben ik gedekt door mijn BA-verzekering auto?
Op uw verzekeringsbewijs staat de lijst met de landen waar uw autoverzekering geldig is.
Stolen vehicle liability exclusion
If the insured vehicle is stolen and the thief causes an accident, the thief's liability is not covered by the BA insurance, and the vehicle owner is not liable
SourceSection: Wie is gedekt voor de veroorzaakte schade?
Als uw voertuig wordt gestolen en de dief een ongeval veroorzaakt, wordt de aansprakelijkheid van de dief niet gedekt door deze verzekering. Uiteraard bent u zelf ook niet aansprakelijk, maar u moet de diefstal wel aangeven bij de politie.
Contract duration and renewal
Insurance contract is for one year with automatic silent renewal unless either party cancels at least 3 months before contract expiry
SourcePremium payment obligation
Premium (including taxes and contributions) must be paid by the stated premium due date
SourceDuty of disclosure of risk information
Policyholder must accurately declare all circumstances known to them that must reasonably be considered material to risk assessment when concluding the contract
SourcePremium adjustment mechanism at renewal
Commercial premium may vary at annual renewal based on the relationship between risk level and claims history; P&V calculates new premium annually
SourceInsured vehicle definition
Any motor vehicle capable of moving on public roads by mechanical power is subject to mandatory BA insurance; includes attached trailers
SourceSection: Voor welke voertuigen moet ik een BA-verzekering auto afsluiten?
Elk voertuig dat door een mechanische kracht kan voortbewegen op de openbare weg, moet worden gedekt door een BA-verzekering auto, behalve voertuigen die door hun mechanische kracht niet sneller rijden dan 25 kilometer per uur.
Sources
P&V Motor third-party liability