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INSURANCE

Vehicle Third-Party Liability Insurance from AG

IN PRACTICE

More than an obligation

This compulsory insurance covers material damage or bodily injury caused to others in an accident for which you are responsible.

YOUR BENEFITS

Good drivers, get rewarded for life!

As soon as you have achieved bonus-malus -2, you will benefit from this for life, meaning you also pay the lowest possible premium.

MORE INFORMATION

Calculate your premium and apply for your third-party liability insurance

Calculate the premium for your vehicle third-party liability insurance. An adviser will finalise your application.

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 » .

15% for the duration of your contract

Get a 15% discount on your vehicle insurance for the Third-Party Liability and Top Omnium (Top Occasium) covers for the duration of your contract, as a fully insured client, if you also have an active Top Home contract with BNP Paribas Fortis and at least one other active insurance contract such as: Top Family, Providis Global Legal Protection and/or Top Accidents 

This offer applies to:

  • new contracts and changes to contract following a change of vehicle, which include third-party liability cover and at least one omnium guarantee;
  • a bonus-malus between -2 and 8, with a maximum of only 1 accident at fault during the last 5 years;
  • drivers between the ages of 26 and 74.

10% during the first year of your contract

Get a 10% discount in lieu of a Welcome Gift during the first year of your contract, if you do not fulfil the conditions to get a 'Full Client' discount for the duration of your contract.

This offer applies to:

  • new contracts and changes to contract following a change of vehicle;
  • third-party liability insurance. If you also buy omnium insurance (Top Omnium, Top Occasium), the 10% discount also applies to this insurance;
  • if the main driver has a bonus-malus between -2 and 8, with a maximum of 1 single accident at fault during the last 5 years, and is between the ages of 26 and 74.

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.

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.

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.

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

  • immediate assistance: if you're immobilised due to an accident (including a flat tyre) in Belgium or abroad, you can call a free assistance service, 24/7

  • 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

  • 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).

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

  • 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.

    Discover Auto Legal Protection insurance

  • 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. 

  • Top Assistance insurance

    Top Assistance Insurance offers you complete protection in case of an accident, illness, or incident in Belgium or abroad.

    Discover this insurance

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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