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INSURANCE

Third-party liability insurance for mopeds

IN PRACTICE

A legally required insurance

Do you want to ride a moped or microcar? Before hitting the road, don't forget to take out third-party liability insurance (TPL). It's a legal requirement.

YOUR BENEFITS

Comprehensive coverage

Your moped insurance covers damages caused to third parties in the event of an accident for which you are responsible, as well as bodily injuries to your passenger, whether you are at fault or not.

MORE INFORMATION

Contact us

To take out TPL insurance for your moped, make an appointment at your BNP Paribas Fortis agency or call the Easy Banking Centre on +32 2 433 41 30. The premium will be calculated based on the desired coverage.

The Top Moped Insurance policy is a Belgian third-party liability insurance product from AG, distributed by BNP Paribas Fortis. This is a one-year contract that renews tacitly for the same period, unless you terminate it at least three months before the main expiry date.

For contracts taken out or tacitly renewed from 1 October 2024, you can terminate them up to two months before the main expiry date. From the second year of insurance onwards, you can cancel the contract at any time.

Termination will take effect two months from the day after the deposit of the registered letter, notification, or acknowledgement of receipt.

EcoBonus -10%

To encourage the choice of low-CO2-emission mobility, you will receive a 10% discount throughout the duration of your contract if your moped or microcar is electric.

This offer is valid for all new contracts and contract modifications following a change of moped or microcar.

What mopeds or microcars does the moped insurance cover?

Mopeds or microcars with a maximum of 50 cc or 4 kW:

  • Class A: 2- or 3-wheeled vehicles that cannot exceed 25 km/h.
  • Class B: 2- or 3-wheeled vehicles that cannot exceed 45 km/h.
  • Light quadricycle/microcar: vehicle up to a maximum of 425 kg that does 45 km/h maximum.
  • For 4-wheeled mopeds with a closed cabin for the driver and passengers, accessible from a maximum of 3 sides, the maximum net power or continuous rated power cannot exceed 6 kW.

Do you have a moped with more than 50 cc? In that case, you will need motorcycle third-party liability insurance.

Third-party liability insurance for mopeds, more than just a legal obligation

Discover the many benefits of AG's third-party liability insurance for mopeds.

Immediate assistance

Have an accident or a flat tyre? Simply call Teleclaims on 0800 96 050 to receive assistance, 24/7. The insurance covers, among other things, the towing of your damaged moped up to 30 km beyond the Belgian border.

Replacement vehicle

If you have an accident or a flat tyre in Belgium or up to 30 km past the border, you are entitled to a replacement vehicle for 24 hours or until Monday if the accident occurs on a Friday or at the weekend.

Expand your coverage

In addition to third-party liability insurance, you can also insure damages to your moped after an accident, bodily injuries, or benefit from extra assistance. Discover all the options below.

Scope of your coverage

The main risks covered

  • Compensation for damages caused to a third party by an authorised driver

  • Immediate assistance in the event of immobilisation following an accident or flat tyre, up to 30 km beyond the Belgian border

  • Compensation for vulnerable road users, including the moped passenger or a pedestrian

The main risks not covered

In the first two cases, the insurance company compensates for the damages caused to third parties but seeks recourse against the person responsible for the accident.

  • Accidents caused intentionally

  • Accidents related to driving under the influence of alcohol, under the effect of drugs, or without a valid driving licence

  • Accidents caused by a moped whose characteristics do not match the insured vehicle (power, for example)

Discover the complete list of covered and non-covered risks

  • You will find the exact extent of the guarantees in the general conditions. To discover the main characteristics of this insurance, consult the information document. You can obtain it free of charge at an agency or via the Easy Banking Centre (02 433 41 30).

    To receive an offer, you can contact your agency or call the Easy Banking Centre.

Want to know more?

You will find additional information in the documents below:

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.

Privacy protection

The personal data communicated by the policyholder is processed by AG Insurance SA.

Learn more

REQUEST INSURANCE

Your insurance in 3 steps

1

Appointment

Make an appointment with a BNP Paribas Fortis advisor.

2

Offer

Discuss your insurance needs for your moped with your advisor and receive an offer.

3

Signature

Sign your contract, register your moped. You can then take to the road with peace of mind.

To learn more or receive an offerMake an appointment

Discover the other guarantees of the moped insurance

  • Top Omnium Cyclomoteur insurance from AG

    This is the complementary insurance that covers material damages to your moped or microcar according to the chosen formula: in the event of an accident, theft, and/or vandalism.

    Discover the Top Omnium Cyclomoteur

  • Accident Coverage from AG

    Protect yourself, your family, and your loved ones against the financial consequences of an accident occurring in your private life as a driver or passenger of the designated vehicle in the contract.

    Discover Accident Coverage

  • Cyclomoteur Assistance from AG

    Breakdown, accident, lost keys… With this complementary insurance, you can count on professional assistance 24/7.

    Discover Cyclomoteur Assistance

Make a claim

Are you a victim of a road accident or have you caused damages to a third party? Our specialists are by your side and will guide you step by step.

To the Claim Declaration page

Legal information

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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