Yuzzu NV/SA
Yuzzu
Yuzzu is a motor third-party liability insurance for the Belgium market with online purchase and 24/7 assistance.
Direct payment
Yuzzu (acting for AXA Belgium) settles compensation directly with injured third parties or their subrogated payers within the statutory deadlines; the insurer is then subrogated into the victim's rights against any liable party. For the optional BOB designated-driver cover, material damage is settled directly through insurer-approved garages.
Geographic scope
Belgium, with third-party liability cover extended to all countries shown on the insurance certificate.
Cover applies in Belgium and any country listed on the certificate of insurance; a supplementary bodily-injury top-up applies in Andorra, Denmark, Germany, Finland, France, Greece, Ireland, Italy, Liechtenstein, Luxembourg, Monaco, the Netherlands, Norway, Austria, Portugal, San Marino, Spain, Vatican City, the United Kingdom, Sweden and Switzerland.
Unique selling points
- A designated-driver (BOB) extension pays up to 10,000 EUR material damage, up to 100,000 EUR bodily injury for the volunteer driver, plus a taxi voucher home, when a sober driver takes the wheel after an outing.
- A foreign-accident top-up tops up bodily-injury compensation to the more favourable Belgian legal standard, up to 500,000 EUR per insured person, across a defined list of Western European countries.
- Accident towing and a replacement vehicle for the normal repair duration at an approved garage are included in the premium, with no separate assistance option needed for that scenario.
- A 24/7 assistance and info line is available to organise towing, replacement vehicles and other assistance services at any time.
- The optional Legal Protection guarantee is handled independently by the specialised firm Legal Village, covering legal costs up to 25,000 EUR per claim so the insured's defence is not managed by the same entity paying out third-party claims.
Coverage limits
Bodily injury liability - unlimited
unlimited
There is no indemnity limit for damage resulting from bodily injury caused by the insured vehicle to third parties, in line with the mandatory minimum conditions for Belgian motor liability insurance.
Material damage liability - capped at 100 million EUR
€100,000,000
Compensation for material (property) damage caused to third parties is capped at 100,000,000 EUR per claim, a limit indexed under article 3 of the Belgian law of 21 November 1989 on compulsory motor liability insurance.
Legal protection (Traffic Legal Assistance) - optional, up to 25,000 EUR
€25,000
Only in Rechtsbijstand Verkeer, Protection Juridique Circulation
An optional Legal Protection guarantee, managed independently by Legal Village SA, covers legal costs (lawyer, bailiff, expert fees) up to 25,000 EUR per claim for civil recovery, criminal defence and 'weak road user' recourse claims; contractual disputes (e.g. EV charging point installation, car-wash disputes) are capped at 5,000 EUR per claim in the current edition. This is separate from the statutory defence-cost cover under the compulsory liability guarantee, where the insurer pays lawyer and expert fees for defending the insured's own liability even beyond the indemnity limits.
Green card / international motor insurance certificate
No limit stated
The reviewed sources do not specify a separate green-card fee or value; third-party liability is confirmed valid in all countries listed on the insurance certificate.
Accident roadside assistance (included) plus optional breakdown, replacement vehicle and abroad modules
Covered
Only in Titre VII - Services d'assistance inclus (included), Titre V - Assistance Panne en Belgique (optional), Titre V - Assistance Vehicule de remplacement en cas d'accident (optional), Titre V - Assistance a l'etranger (optional)
Included in the premium: if the vehicle is immobilised after an accident in Belgium (or up to 50 km beyond the border), towing to a garage of choice is organised and paid, occupants' return home/onward travel is covered up to 125 EUR, and a replacement vehicle is provided for the normal repair time when the repair is entrusted to an insurer-approved garage; self-organised towing is reimbursed up to 200 EUR (up to 500 EUR if towed directly following a police-ordered F.A.S.T./SIABIS+ intervention). Separately selectable optional modules (Title V) exist for breakdown assistance in Belgium, an accident replacement vehicle beyond the included cover, and assistance abroad for the vehicle and persons.
Driver accident cover (All Drivers formula) - optional, 500,000 EUR
€500,000
Only in Formule Tout Conducteur, Formule Alle Bestuurders
Optional guarantee compensating the driver's own patrimonial loss in case of death or bodily injury in a traffic accident, regardless of fault, up to 500,000 EUR per claim including interest, after deduction of third-party payer benefits; listed as an optional cover on the product's insurance information document.
Passenger bodily injury cover - included, unlimited
unlimited
Passengers transported by the insured vehicle are protected third parties under the compulsory liability guarantee; their bodily injury compensation is unlimited, unlike the driver's own bodily injury, which is excluded from the base liability guarantee and only covered under the separate optional driver-accident guarantee.
Key conditions
Territorial scope
Third-party liability is valid in Belgium and every country listed on the insurance certificate; a foreign-accident bodily-injury top-up to the more favourable Belgian compensation standard applies in a defined list of Western European countries.
Green card rules
No separate green-card fee or specific value is stated in the reviewed policy documents; the insurance certificate serves as proof of cover in the countries it lists.
Driver restrictions
The vehicle must be driven by a person holding a valid driving licence appropriate to the vehicle and meeting the legally required minimum age; the insurer has a recourse right against the policyholder/insured if the vehicle was driven by an underage, unlicensed, licence-restricted or disqualified driver, unless this results only from a purely administrative formality.
Claim notification deadline
Claims must be reported in writing immediately and at the latest within 8 days of occurrence, though a later report is accepted if made as soon as reasonably possible; theft, attempted theft, vandalism or key theft under the optional casco guarantees must be reported within 24 hours.
Bonus-malus rules
Premiums for liability, material damage and total-loss cover are personalised each year based on the number of years with a claims-free attestation (scale from 100% at 5+ years to 150% at 0 years) combined with the number of at-fault claims and claims-free years over the last 5 years (a combined grid ranging from 100% up to 550% of the base premium).
Policy specifics
Unlimited bodily injury coverage
Third-party liability covers unlimited bodily injury to victims (passengers and third parties)
SourceLimited material damage coverage
Third-party liability covers material damage to third-party property with limits established by Belgian law
SourceInsurer recourse for driving under influence
Insurer retains right of recourse against the insured driver when driving under influence
SourceMaterial damage liability capped at 100 million EUR
Third-party liability covers material damage to third-party property up to 100,000,000 EUR per claim, a limit indexed under Belgian law, unlike bodily injury which is unlimited.
SourceTwo distinct legal-cost coverages exist
Statutory defence-cost cover (lawyer/expert fees to defend the insured's own civil liability) is included under the compulsory liability guarantee, even beyond indemnity limits; this is distinct from the separately selectable optional 'Legal Protection / Rechtsbijstand Verkeer' guarantee (25,000 EUR cap, 5,000 EUR for contractual disputes), which is managed independently by Legal Village SA.
SourceTerritorial scope and European coverage
Coverage applies in Belgium and listed countries on insurance certificate; Yuzzu Europa guarantee extends protection across Europe
SourceInsurer and underwriting arrangement
Yuzzu is mandated underwriter for AXA Belgium; claims handled by AXA Belgium as the underlying insurer
SourceContract duration and renewal
Insurance concluded for one year with automatic renewal possibility
Source