In Belgium, civil liability car insurance is legally required for anyone who wants to drive on the road. This mandatory insurance covers the bodily injury and material damage you cause to third parties in the event of an accident.
Comfort Auto includes this compulsory civil liability cover and goes a step further by offering additional practical benefits, so you’re better protected when something goes wrong.
Depending on your needs, you can also extend your cover with one of the comprehensive options, to protect your vehicle, the driver, or your mobility more broadly.
See “What does Comfort Auto cover?” to discover what’s included and which options are available.
"},"title":"What is Comfort Auto and who is it for?"},{"richBody":{"value":"Your contract has a term of one year. On each annual expiry date, the contract is automatically renewed for a further period of one year, unless you terminate it at the latest 3 months before the expiry date.
The premium of the cover is personalized on the basis of your claim history. It takes into account the number of claim-free years and the number of at-fault accidents. The premium can change each year according to the number of claims in error and the number of claim-free years.
"},"title":"How long does the contract run, and how is the premium calculated?"},{"richBody":{"value":"The Professional Car Insurance includes the following basic cover:
You can extend your coverage with additional options for broader protection, depending on your needs:
Omnium (or Omnium 24+ for second‑hand vehicles)
Covers damage to your own vehicle, including:
Mini‑Omnium
A lighter option covering:
Driver protection
Provides financial protection for the driver in case of bodily injury.
24/7 Assistance
Round‑the‑clock assistance, complementing the first aid already included in Civil Liability coverage.
Legal protection
Support and legal assistance if you need to defend your rights after an incident.
"},"title":"Which additional options can extend my coverage?"},{"richBody":{"value":"You can rely on 24/7 assistance, every day of the week.
If you need help after a traffic accident in Belgium or up to 30 km across the border, assistance is available day and night. This includes, for example:
You can also count on assistance in case of fire, theft or attempted theft of your vehicle.
"},"title":"What kind of assistance can I count on?"},{"richBody":{"value":"Yes. This insurance isn’t limited to cars.
You can put together your motorcycle insurance yourself, from the mandatory civil liability cover to optional protections such as driver cover, assistance or legal protection.
For trucks, you can choose Global Truck Insurance (GTI), a solution specifically designed for professional truck use.
"},"title":"Is this insurance also available for motorcycles and trucks?"},{"richBody":{"value":"If you’re not entirely satisfied with the distribution or management of this insurance product, help is available.
You can contact the Complaints Department or the Ombudsman, who are there to review your situation and support you.
If your complaint concerns your AXA Comfort Auto Insurance, you can contact AXA directly:
They will examine your request and follow up with you as quickly as possible.
"},"title":"How can I submit a complaint if I’m not satisfied?"},{"richBody":{"value":"Depending on your situation, several simple options are available.
Online (recommended):
Report your claim via the AXA portal:
https://myaxapro.corporate.axa.be/fr
Alternative options:
Legal assistance needed?
Download the legal assistance declaration form (PDF – FR), complete it and email it to:
📧 declaration@lar.be
General information about the insurance policies and details on the conflicts‑of‑interest policy, including benefits, are available from AXA Belgium, the insurance company.
You can find this information on the AXA Belgium website or obtain it through ING.
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Comfort Auto is an insurance subject to Belgian law. It is offered to you, subject to acceptance by:
"}},{"componentType":"paragraph","richBody":{"value":"ING Belgium SA/nv, an insurance broker registered with the FSMA under the code number 0403200393. Registered office: Avenue Marnix 24, B-1000 Brussels - RPR Brussels - VAT BE 0403.200.393 - www.ing.be - BIC: BBRUBEBB - IBAN: BE45 3109 1560 2789.
"},"title":"Insurance intermediary"},{"componentType":"paragraph","richBody":{"value":"AXA Belgium, S.A. of insurances authorised under n° 0039 to practice the life and non-life branches (KB04-07-1979, BS 14-07-1979) at the National Bank of Belgium, located at Boulevard de Berlaimont 14, B-1000 Brussels - Main office: Place du Trône 1 - B-1000 Brussels (Belgium) - Website: www. axa.be - Tel.: +32 2 678 61 11 - Fax: +32 2 678 93 40 - CBE no.: VAT BE 0404.483.367 RPR Brussels 7.06.5833 - 0616.
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