Auto liability insurance, more than just a legal obligation
Auto liability insurance is more than just a legal obligation. The benefits for you are as follows.
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10% discount on your new insurance
Discover the conditions below
INSURANCE
Vehicle Third-Party Liability Insurance from AG
Auto liability insurance is a Belgian-law liability insurance policy from AG, distributed by BNP Paribas Fortis. The policy is valid for 1 year, at the end of which it will be renewed by tacit agreement for the same period, except where it is cancelled at least three months before the renewal date.
For a policy taken out or renewed by tacit agreement on or after 1 October 2024, you have until two months before the renewal date to cancel it. In addition, from the second year onwards, you can cancel the policy at any time. Cancellation will take effect at the end of a 2-month period starting the day after notice is given by registered mail or served upon us, or the day after we provide an acknowledgement of receipt.
Get a discount on your Car Insurance
Until 30 June 2025, you can benefit from several cumulative discounts, « except for Fully Insured Client » with « Welcome Gift » .
Fully Insured Client – 10%
Benefit from a 10% discount throughout the duration of your contract on Liability (RC) and Top Occasium coverage if you also have an active Top Habitation fire insurance contract with BNP Paribas Fortis
- an active Top Habitation fire insurance contract with BNP Paribas Fortis
- and at least one other AG insurance policy: Top Familial Liability, Providis Global Legal Protection, and/or Top Accidents ¹⁺².
Welcome gift – 10%
Enjoy a 10% discount for the first year of your contract if you don't meet all the "Fully Insured Client" conditions ¹⁺².
EcoBonus – 10%
To encourage low-CO2 mobility, you'll benefit from a 10% discount for the entire duration of your contract if your vehicle is electric or hybrid ¹⁺².
Security Bonus – 10%
Safety systems reduce the risk of accidents. That's why you'll benefit from a 10% discount if your vehicle has at least 2 driver assistance systems. For example, blind spot warning, emergency braking assistance, fatigue detector, etc.
KmBonus - up to 15%
The less you drive, the less risk you have of having an accident. If you drive less than 25,000 km/year, you can benefit from up to 15% off for electric and petrol cars and up to 10% for diesel cars, depending on the number of kilometres you drive¹.
¹ This offer is valid for new contracts and contract changes due to a vehicle change.
² This offer is valid for a bonus-malus between -2 and 8 and a maximum of 1 accident in the last 5 years, and for drivers aged 26 to 74. For the "Fully Insured Client" discount, at least one omnium insurance must also be included.
Why take out auto liability insurance?
Being insured for civil liability is compulsory in Belgium. This insurance will intervene:
- to compensate another road user who is a victim of an accident for which you are declared responsible
- to compensate your passenger if they are injured
Plus, you'll benefit from free extensions such as the -2 bonus-malus, RC Max, and immediate assistance.
Insure your mobility
In the event of an accident or a flat tyre, you'll benefit from immediate and free assistance (towing to the nearest garage) in all countries listed on your green card. In Belgium, you'll have a replacement vehicle for 24 hours.
Reach the lowest bonus-malus... and keep it for life
Your bonus-malus is calculated without taking into account accidents that occurred more than 5 years ago. Once you reach a bonus-malus of -2, you'll keep it for life (even if you have an accident in the future). And on top of that, you'll benefit from RC Max, which compensates the driver up to €250,000.
The scope of your protection
The main risks covered
compensation for material and bodily harm caused to others by any authorised driver of the vehicle in a traffic accident
compensation for bodily harm to vulnerable road users (cyclists, pedestrians, and motor vehicle passengers)
The main risks not covered
accidents caused intentionally*
driving under the influence of alcohol or drugs*
damage caused by drivers who do not hold a valid driving licence*
damage to the vehicle designated in the contract
The list of covered and non-covered risks above is not exhaustive
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To know the exact scope of the guarantees, refer to the general conditions of this product. To discover the main features of this insurance, you can consult the information document. You can also obtain these documents free of charge at an agency or via the Easy Banking Centre (02 433 41 30).
Learn more
Consult the following documents:
Not satisfied?
If you have a complaint, you can address it to BNP Paribas Fortis SA, Complaint Management Service JQABD, Montagne du Parc 3, 1000 Brussels, tel. 02 228 72 18, gestiondesplaintes@bnpparibasfortis.com or via www.bnpparibasfortis.be > Suggestions or complaints > online declaration form.
If the proposed solution does not satisfy you, you can address your complaint by post to the Insurance Ombudsman Service, Square de Meeûs 35, 1000 Brussels, BCE: 884.072.054, tel.: 02 547 58 71, info@ombudsman-insurance.be -
www.ombudsman-insurance.be.
GET A PERSONALISED SIMULATION
Calculate your auto insurance premium in 3 steps
1
Who are you?
Identify yourself using your card reader or Itsme.
2
Calculate your premium
Calculate your auto insurance premium with no obligation.
3
Confirm your request
Confirm your request immediately by phone with an expert or later at one of our agencies.
Read the information to the bottom of the page beforeSimulating your insurance
Discover our other insurances
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Auto Legal Protection insurance
Professionals will help you find an amicable solution in the event of a dispute. And if you end up in court, your legal fees will be covered.
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Top Omnium insurance
You're declared responsible for an accident or the third party is unknown, Top Omnium Insurance intervenes for damages to your vehicle. You'll also have a replacement vehicle during repairs.
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Top Assistance insurance
Top Assistance Insurance offers you complete protection in case of an accident, illness, or incident in Belgium or abroad.
Informations légales
AG Insurance (abbreviated as AG) SA – Bd E. Jacqmain 53, B-1000 Brussels - www.aginsurance.be - info@aginsurance.be - RPM Brussels – VAT BE 0404.494.849 - Insurance company approved under code number 0079, under the supervision of the National Bank of Belgium, Bd de Berlaimont 14, 1000 Brussels.
Intermediary: BNP Paribas Fortis SA – Montagne du Parc 3, B-1000 Brussels – RPM Brussels – VAT BE 0403.199.702, is registered under this number with the FSMA, Rue du Congrès 12-14, 1000 Brussels, and acts as a tied insurance agent, remunerated by commissions, for AG Insurance SA. BNP Paribas Fortis SA holds a stake of more than 10% in AG Insurance SA.
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