Professional Liability Insurance for your company vehicles
We provide coverage for material damage and personal injury to passengers and third partiesif you or your team cause an accident.
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Discover the conditions below
The professional liability car insurance* for your company cars, vans, trucks and motorcycles covers damage to people and property caused to third parties in the event of an accident. Your passengers or team members are protected.
You are legally required to insure your company vehicles for professional liability. But our insurance policies go beyond the minimum requirements: safe drivers can enjoy the lowest premium for life, as soon as their bonus-malus rating reaches -2**.
Are you a liberal professional, self-employed or a company manager? Talk to your insurance advisor for your company vehicles. Or call the Easy Banking Centre on 02 433 43 34 for a video call appointment.
* Professional liability vehicle insurance is a mandatory liability insurance under Belgian law from AG SA, distributed by BNP Paribas Fortis SA. It is a one-year contract with tacit renewal for the same period, unless terminated at least 3 months before the main deadline. For contracts taken out or tacitly renewed from 1 October 2024, you have until 2 months before the main deadline to terminate them.
** Only valid for company cars and vans under 3.5 tonnes.
At fault in an accident? This professional liability insurance for your company vehicles takes care of compensating the victims, including your passengers if they are injured.
Professional liability car insurance is mandatory in Belgium. But at BNP Paribas Fortis, this obligation** comes with other benefits: the RC Max guarantee is free and you benefit from the lowest premium for life as soon as your bonus-malus is -2. And you can also count on 24/7 assistance in the event of an accident or a flat tyre.
** Only valid for company cars and vans under 3.5 tonnes
Professional Liability Insurance for your company vehicles
We provide coverage for material damage and personal injury to passengers and third partiesif you or your team cause an accident.
Free 24/7 assistance
Got a flat tyre or been in an accident in Belgium or abroad? We'll repatriate your company vehicle to the garage and provide a replacement car for 24 hours.
RC Max free
RC Max covers physical injury to the driver up to €250,000. Free for good drivers, it protects you and your passengers for life, as soon as your bonus-malus reaches -2.
Drive less, pay less
If you drive fewer than 25,000 km per year, you can benefit from a 15% reduction**** on your premium. After all, driving less means reducing the risk of accidents.
EcoBonus: 10% discount
To promote energy-efficient mobility, we offer a 10% discount on Liability Insurance for the entire duration of your contract when you insure your electric or hybrid vehicle with us. This offer is available for any new subscription made before 30 June 2025*****.
** Only valid for company cars and vans under 3.5 tonnes: This offer applies exclusively to company cars and vans with a maximum weight of 3.5 tonnes.
** Motorcycles and company vehicles or vans under 3.5 tonnes: Note that motorcycles and company vehicles or vans under 3.5 tonnes are subject to different conditions.
**** Drive less, pay less: This offer is only valid for company cars and vans of the Tourism and Business type, when concluding a new contract or for a new vehicle taken out in an existing contract.
***** EcoBonus: 10% discount: This discount is granted for any subscription of a new Car Insurance for an electric or hybrid car, in which at least the RC guarantee has been taken out, or for a change of vehicle to an electric or hybrid car within the framework of an existing contract with the RC guarantee. The discount is applicable for the entire duration of the contract, but ends if the insured vehicle is replaced by a non-hybrid or non-electric car.
material damage and physical injury to third parties in the event of an accident caused by a driver with a valid driving licence
material damage to cyclists, pedestrians and passengers of a motor vehicle
free 24/7 emergency assistance in Belgium and up to 30 km beyond the border, if your journey stops due to an accident or a flat tyre.
accidents caused intentionally
driving under the influence of drugs or alcohol
damage caused by a driver without a valid driving licence
damage to company cars, vans and trucks designated in the contract.
The above list of covered and non-covered risks is not exhaustive. The exact scope of the guarantees can be found in the general conditions. To discover the main characteristics of this insurance, you can consult the information documents. To receive an offer, you can contact your advisor or call the Easy Banking Centre on 02 433 43 34.
Do not hesitate to consult these documents before signing your car insurance contract:
For any questions, you can, in the first instance, contact your advisor or consult article 21 of the general banking conditions.
You can send a complaint to BNP Paribas Fortis SA's complaint management department (Service de gestion des plaintes) (JQABD) at, Montagne du Parc 3, 1000 Bruxelles, by phone +32 2 228 72 18, by email gestiondesplaintes@bnpparibasfortis.com or on the website www.bnpparibasfortis.be > Suggestions or complaints > online declaration form.
If the proposed solution is not satisfactory, you can contact the Insurance Ombudsman Service (Service de l'Ombudsman des assurances) at, square de Meeûs 35, 1000 Bruxelles – BCE 884.072.054 –, by phone au +32 2 547 58 71, by email info@aginsurance.be or via the website www.ombudsman-insurance.be.
24/7 emergency assistance in case of an accident, claim declaration... Do you need us? Our team is here to help you!
If the repair of your company car, van, or truck is defective, you can benefit from Providis' expert legal advice as well as coverage of procedural and lawyer fees.
In the event of a breakdown or accident, we take care of the repair, transport to the garage and a replacement vehicle. And we bring everyone home! This is an assistance insurance policy for business vehicles of up to 3.5 tonnes.
An instalment loan, a financial or operational lease? Choose the formula that best suits your needs.
AG Insurance SA/nv – 53 Boulevard Emile Jacqmain, B-1000 Brussels – RPM/RPR Brussels – VAT BE 0404.494.849 – www.aginsurance.be – info@aginsurance.be. Accredited insurance company licenced under code number 0079, under the supervision of the National Bank of Belgium, 14 Boulevard de Berlaimont, B-1000 Brussels.
BNP Paribas Fortis SA/nv – 3 Montagne du Parc, B-1000 Brussels – RPM/RPR Brussels – VAT BE 0403.199.702, registered with the FSMA, 12-14 Rue du Congrès, B-1000 Brussels, under code number 025879 and acting as a contractually appointed insurance agent on behalf of AG Insurance SA/nv. BNP Paribas Fortis SA/nv holds a stake of more than 10% in AG Insurance SA/nv.
© 2024 BNP Paribas Fortis
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