Sure Motor third-party liability (Nn Car Insurance)
Underwritten by NN Non-Life Insurance SA · Belgium
motor third-party liability insurance from Sure for the Belgium market, with online purchase and 24/7 assistance.
Verified Aug 26, 2026 · Terms dated 2023-01-01Sources
Unique selling points
NN's Assist'line and claims team are reachable 24 hours a day, 7 days a week for emergency roadside help and claims declarations.
Combining your NN Car Insurance with an NN Motorbike or Moped Insurance for the same usual driver earns a 40% discount on the Civil Liability cover of the two-wheeler.
Accepted mid-term policy changes are processed free of administration charges, with only the premium difference settled.
The optional Premium Pack adds a 10% extra payout on total vehicle loss and raises covered accessories to €2,500, well above the €1,000 standard limit.
The policy can be taken out entirely online via NN's digital sales flow, with the policy and terms delivered by e-mail upon acceptance.
Coverage limits
Liability limit (covers injury + property damage)
One combined sum for both bodily injury and property damage, not two separate limits.
Legal Defence / Legal Protection
Optional
Optional cover that pays lawyer, expert and court costs to defend the policyholder's interests, including when the at-fault third party's insurer defaults, and helps with traffic-offence proceedings and repair disputes; fines and penal settlements are excluded.
Section: Qu'est-ce qui est assuré ? > Assurances optionnelles
Protection juridique : prend en charge tous les frais de défense de vos intérêts, tels que les frais d'avocat ou de justice ;
Green Card / International Insurance Certificate
Covered
The insurance certificate proves cover for the Civil Liability (and Mini-/Omnium) guarantee in the countries listed on the card; policyholders are advised to keep it in the vehicle, especially when travelling abroad.
Section: Où suis-je couvert ?
Les couvertures « Responsabilité Civile » et « (Mini-)Omnium » sont valables dans les pays mentionnés sur la carte d'assurance.
Roadside / Breakdown Assistance
Optional
Optional breakdown assistance in Belgium and/or abroad, including a replacement vehicle if the car cannot be repaired on the spot; this is separate from the 'Service after a claim' assistance included by default for accidents in Belgium.
Section: De verzekeringen > De (optionele verzekering) Bijstand pech en buitenland
Als het voertuig niet ter plaatse hersteld kan worden, krijg je een vervangwagen voor de normale herstellingsduur.
Driver Accident Insurance (Driver+)
€1.5M
Optional Driver+ cover indemnifies medical costs or loss of income for incapacity to work when the driver is injured in an at-fault accident, up to 1,500,000 euros; death is also covered.
Section: Qu'est-ce qui est assuré ? > Assurances optionnelles
L'Assurance Conducteur+ : indemnise les frais médicaux ou la perte de salaire en cas d'incapacité de travail lorsque vous êtes blessé à la suite d'un accident en tort jusqu'à 1 500 000 euros. Un éventuel décès est également couvert ;
Passenger Accident Insurance
No limit stated
No dedicated passenger-accident sum-insured product is described; the closest optional cover, 'Assistance to persons', provides assistance and possible repatriation to the insured after an accident rather than a fixed indemnity for passengers.
Section: Qu'est-ce qui est assuré ? > Assurances optionnelles
Assistance aux personnes : assistance à l'assuré ; personnes en cas d'accident ainsi que rapatriement éventuel ;
Key conditions
Driver restrictions
The product is intended for natural persons aged 18 or over, residing in Belgium; acceptance and pricing depend on criteria such as the age, driving experience and claims/insurance history of the usual and occasional drivers.
Claim notification deadline
Claims must be reported as soon as possible and at the latest within 8 days from the moment the policyholder becomes aware of them.
Bonus-malus rules
Premium is based on the claims history of the last five years rather than a fixed bonus-malus scale.
SourcePage 4Section: Aanvang van de Motorrijtuigenverzekering > Is jouw voertuig reeds verzekerd?
Dit attest bevat een overzicht van de schadegevallen in de afgelopen vijf jaar.
Territorial scope
Civil Liability and (Mini-)Omnium cover are valid in the countries listed on the insurance/green card; other covers follow the general terms and conditions.
Documents
NN CAR Insurance - Insurance Product Information Document (IPID) - French (opens in a new tab)
Product information sheet · PDF
NN Mobility - General Terms and Conditions - French (opens in a new tab)
Terms & conditions · PDF
NN Car Insurance - Product Information Sheet - Dutch (opens in a new tab)
Other document · PDF
Policy specifics
Mandatory BA (Civil Liability) Coverage
BA (Burgerlijke Aansprakelijkheid/Responsabilité Civile) is legally mandatory in Belgium; covers damage caused to third parties by the insured vehicle
SourceSection: Is een autoverzekering verplicht?
Je bent wettelijk verplicht om een autoverzekering af te sluiten als je een auto hebt. Ook wanneer die alleen stilstaat. Je moet minstens een BA autoverzekering afsluiten, die beschermt anderen tegen schade die jij aanricht met je voertuig.
Third-Party Damage Coverage Only
BA insurance covers only damage caused to other persons' vehicles and belongings; own vehicle damage from accidents is not covered unless additional omnium coverage is purchased
SourceSection: Wat dekt mijn Sure autoverzekering? > BA autoverzekering
Je bent alleen maar gedekt voor schade die je moet je voertuig aan anderen toebrengt. Schade die niet door een ongeval is, is niet gedekt.
Vehicle Scope Beyond Passenger Cars
The IPID describes NN CAR Insurance as a complete cover for cars, minibuses and vans (private or mixed use), not only passenger cars, while the Dutch product sheet is titled specifically for cars ('voor wagens'); professional transport of goods or persons and professional leasing/rental are excluded.
SourcePage 1Section: De quel type d'assurance s'agit-il ?
NN CAR Insurance est une assurance auto complète pour votre voiture, minibus ou camionnette.
'Premium Pack' Add-on vs. 'Premium' Product Tier
The optional 'Premium Pack' rider (extending driver bodily-injury cover, BOB-driver cover, pet injury cover and, with Omnium, misfuelling/lost keys/10% total-loss top-up) is a distinct, separately selectable add-on from the 'NN Car Insurance Premium' product tier named in the general conditions; the two should not be conflated.
SourcePage 7Section: De verzekeringen > De (optionele verzekering) Premium Pack
Deze dekking biedt een uitbreiding op bepaalde standaard waarborgen en beschermt je op deze manier nog beter.
Essential and Premium Product Tiers
NN Car Insurance is offered in two selectable tiers, 'NN Car Insurance Premium' and 'NN Car Insurance Essential', each governed by its own general conditions; both tiers qualify for the NN Mobility risk-bundling contract.
SourcePage 3 sur 7Section: 4. Quels risques entrent en ligne de compte pour le regroupement ?
- NN Car Insurance Premium ou Essential
Minimum Age Requirement
The product is reserved for natural persons aged 18 or older with their main residence in Belgium (legal entities are also accepted per the IPID, provided the vehicle is not used for remunerated transport).
SourcePage 3Section: Wie kan deze verzekeringsovereenkomst sluiten?
De NN Car Insurance is bestemd voor natuurlijke personen vanaf 18 jaar.
Sources
- prdvzkcdn.blob.core.windows.nethttps://prdvzkcdn.blob.core.windows.net/img/insurance-documents/general-conditions/nl/Inlichtingenfiche%20NN%20Car%20Insurance.pdf#page=10(opens in a new tab)
- prdvzkcdn.blob.core.windows.nethttps://prdvzkcdn.blob.core.windows.net/img/insurance-documents/general-conditions/nl/Inlichtingenfiche%20NN%20Car%20Insurance.pdf#page=3(opens in a new tab)
- prdvzkcdn.blob.core.windows.nethttps://prdvzkcdn.blob.core.windows.net/img/insurance-documents/general-conditions/nl/Inlichtingenfiche%20NN%20Car%20Insurance.pdf#page=4(opens in a new tab)
- prdvzkcdn.blob.core.windows.nethttps://prdvzkcdn.blob.core.windows.net/img/insurance-documents/general-conditions/nl/Inlichtingenfiche%20NN%20Car%20Insurance.pdf#page=7(opens in a new tab)
- sure.behttps://www.sure.be/autoverzekering(opens in a new tab)
- sure.behttps://www.sure.be/wp-content/uploads/2023/06/NN-Mobility-Dispositions-generales.pdf#page=3(opens in a new tab)
- sure.behttps://www.sure.be/wp-content/uploads/2023/06/NN-Mobility-Information-produit-IPID.pdf#page=1(opens in a new tab)
- sure.behttps://www.sure.be/wp-content/uploads/2023/06/NN-Mobility-Information-produit-IPID.pdf#page=2(opens in a new tab)
Sure Motor third-party liability