Reviewed from source documents

P&V Assurances - P&V Verzekeringen CV

P&V

P&V is a motor third-party liability insurance for the Belgium market with online purchase and 24/7 assistance.

Last verified Aug 26, 2026Reviewed by: Boleron EUTerms & conditions: 2018-12-01Underwritten by: P&V Assurances SCRL
Online purchase24/7 helpline

Direct payment

As a third-party liability (BA) policy, P&V indemnifies injured third parties directly; the company also has the right (but not the obligation) to pay compensation to the injured party itself when its interests coincide with the insured's, and it advances legal-protection costs (lawyers, experts, bail) rather than requiring the policyholder to pay first.

Geographic scope

Belgium (nationwide)

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.

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

Bodily injury liability

unlimited

There is no indemnity limit for damages resulting from bodily injury caused to third parties by the insured vehicle.

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Property damage liability

€100,000,000 – €129,000,000

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Legal protection (Protection juridique)

€125,000

Only in Protection juridique - Titre 2

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.

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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.

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Roadside assistance (Assistance)

Optional

Only in Assistance Accident, Assistance Vol, Assistance Panne

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).

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Driver protection (Protection du conducteur)

€1,250,000

Only in Droit commun, Formule forfaitaire

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.

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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).

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Key conditions

Territorial scope

Cover is granted for accidents occurring in any country for which cover is confirmed on the insurance certificate; outside Belgium the cover follows the compulsory motor insurance law of the country where the accident occurred, unless Belgian law grants broader protection.

Green card rules

The insurer issues an insurance certificate (replacing the former green card, now a white document) listing the countries where cover applies; countries crossed out on the certificate are not covered unless a temporary extension is requested from the insurer.

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.

Where to buy

P&V car insurance product page
Online premium calculator and quote request

Documents

General Terms and Conditions 'P&V Auto' (Dutch, 12-2018)

Terms & conditions

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General Terms and Conditions 'P&V Auto' (French, 12-2018)

Terms & conditions

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Insurance Product Information Document - P&V Auto (French)

IPID

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P&V car insurance product page

Other document

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P&V dossier: what is BA car insurance?

Other document

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Policy specifics

Third-party bodily injury and death

Coverage for bodily injury or death caused to third parties by the insured vehicle

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Third-party material damage

Coverage for material damage to vehicles, property, and other assets owned by third parties caused by the insured vehicle

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Passenger coverage for bodily injury

Third-party liability insurance covers passengers in the insured vehicle (except the driver when liable) for bodily injury

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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

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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)

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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

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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

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Premium payment obligation

Premium (including taxes and contributions) must be paid by the stated premium due date

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Duty 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

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Premium 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

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Insured vehicle definition

Any motor vehicle capable of moving on public roads by mechanical power is subject to mandatory BA insurance; includes attached trailers

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