A BOB cover is a specific cover within a car insurance that offers additional protection to the driver responsible for the safe transport of passengers likely to be under the influence of alcohol. The BOB must be a third party who transports the driver of the car, in a state of drunkenness, to the driver’s home or hospital. These covers generally offer protection in the event of damage to property and personal injury and aim to limit the financial consequences of accidents.
"},"title":"What is a BOB guarantee?"},{"componentType":"paragraph","richBody":{"value":"The BOB cover only applies when the normal driver of the car is in a state of drunkenness (or injured) and a third party drives him/her directly to his/her home (or hospital), and this third party subsequently suffers damage on the journey.
"},"title":"When does the BOB cover apply?"},{"accordionList":[{"alignedImage":{"position":"right"},"richBody":{"value":"The BOB guarantees within car insurance on the Belgian market are designed to protect drivers who act as understated drivers. The BOB cover covers damage caused by the third party at fault, even if the driver does not have their own comprehensive or third-party liability insurance. For most insurers, a maximum of 25,000 is set.
"},"title":"What does the BOB Guarantee cover?"}],"componentType":"accordion"},{"componentType":"paragraph","richBody":{"value":"With the BOB guarantee, you opt for safety and liability. It’s a guarantee that not only protects your vehicle, but also your commitment to driving safety.
Go for security, go for the BOB Guarantee!
"},"title":"Why choose the BOB Guarantee?"},{"componentType":"cta","textLink":{"text":"More info? Discover ING Car Insurance","url":"/en/individuals/insurance/insure-my-car/third-party-liability-car-insurance"}}]},"hasMacro":false,"id":"6cf737f5-a5c6-4f96-9d3c-0f967fdeb998","localeString":"en-GB","mainHeaderZone":{"backLink":{"textLink":{"text":"Insuring my car","url":"/en/individuals/insurance/insure-my-car"}},"componentType":"editorialHeader","coreHeader":{"body":"In a world where road safety is becoming increasingly important, it is essential to take steps to protect yourself and others. The BOB cover is an essential aspect of car insurance in Belgium. These covers are specifically designed to protect drivers who act as “BOBs”, i.e. the driver who ensures that others return home safely after an evening. Find out how the BOB Guarantee can help you drive safely and responsibly.","headerImage":{"extension":"svg","original":"https://assets.ing.com/m/786501d6836a17d7/original/AutoSalon_Bob.svg","transformBaseUrl":"https://assets.ing.com/transform/54d9e989-6ab6-45f4-80b4-f6cf9109e2f4/AutoSalon_Bob","type":"image","width":1080},"subtitle":"Planning a birthday party or New Year’s reception? And did you drink too much during the evening? In this case, you can use the Bob guarantee.","title":"The BOB cover: safely and responsibly!"},"date":"2025-01-02","readingTime":0},"publishDate":"2026-03-26T16:06:48.550+01:00"}}