Vehicle

Comfort Auto

Insurer : AXA Belgium

Vehicle insurance for commercial vehicles. As a self-employed person or SME, put together your own insurance for your new car, used car, motorcycle, van or truck. Read the information document about the product and the general terms and conditions before you sign up. You can obtain the general terms and conditions at your ING branch.

  • Insurance tailored to your vehicle and your budget

    Choose how you are insured: through civil liability (mandatory by law), comprehensive or mini comprehensive (2 examples of the possible options).

  • Assistance included in your third-party insurance

    In the event of an accident in Belgium, you can count on towing your car and on a replacement vehicle, day and night.

  • A large network of approved garages and reliable partners

    Benefit from extra services such as a lower excess payments and faster assistance.

In Belgium, the Civil Liability Car Insurance is compulsory by law for anyone who wants to hit the road. This mandatory insurance for your vehicle covers the material and physical damage you cause to third parties in the event of an accident. At AXA, the Civil Liability (BA) Auto insurance includes a number of very useful benefits (see "what is covered by Comfort Auto?"). You can also supplement them with one of our comprehensive formulas.

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 claims in error. The premium can change each year according to the number of claims in error and the number of claim-free years.

The Professional Car Insurance includes the following basic cover:

  • Civil liability (mandatory by law) with the following covers, among others:
  • first aid in the event of a road accident (breakdown service, continuation of the journey, etc.).
  • Euro+: the same compensation for bodily injuries sustained as a result of a legal accident in Western Europe as would be obtained in Belgium.


Of course, there are additional safeguards for even broader protection:

  • omnium (or omnium 24+ for second-hand vehicles) to cover:
  • fire;
  • glass breakage;
  • collision with animals;
  • forces of nature;
  • theft and attempted theft;
  • material damage
  • mini-omnium:
  • fire;
  • glass breakage;
  • collision with animals;
  • forces of nature;
  • and theft and attempted theft.
  • safety of the driver
  • assistance 24/7 as a supplement to first aid that is already insured under Civil Liability
  • legal aid.

The main exclusions for this insurance product are :

  • For the civil liability guarantee: the bodily injury of the liable driver and the damage to the insured vehicle, damage to the insured vehicle,...
  • For the warranty material damage: the damage resulting from a lack of maintenance of the vehicle, ...
  • For the legal aid guarantee: the fines resulting from an infringement, ...
  • In covers other than civil liability: damage resulting from an intentional act committed by the insured, a serious fault of the insured (such as drunkenness or betting),
  • Etc.

Please read the information document about the product (FR) and the general terms and conditions before signing. You can obtain the general terms and conditions at your ING branch.

Day and night assistance. Need help after a traffic accident in Belgium or up to 30 km across the border? Day and night and every day of the week, you can count on assistance, e.g. towing your car and a replacement vehicle. We are also at your service in the event of fire, theft or attempted theft of the vehicle. Also for trucks and motorcycles You can also compile the insurance for your motorcycle yourself: from the compulsory civil liability insurance to additional options such as driver safety, assistance or legal assistance. Do you have a truck ? Then choose Global Truck Insurance (GTI).


You can also compile the insurance for your motorcycle yourself: from the compulsory civil liability insurance to additional options such as driver safety, assistance or legal assistance. Do you have a truck? Then choose Global Truck Insurance (GTI).


Insurance and conflict of interest: you can read the general information on insurance and the description of the conflict of interest policy, including benefits, of ING Belgium SA/nv and of the insurer. To do so, go to www.ing.be and go to "Rates and Regulations > Information and Regulations > Insurance".

  • Consult the General Terms and Conditions before subscribing.
  • Contact your ING banker.
  • Subscription only possible at your ING branch.

Contact us :

  • ING Complaint Management, Cours Saint-Michel 60, 1040 Brussels.
  • Call +32 2 547 61 012 or
  • mail to complaints@ing.be.

This complaint will be forwarded to AXA who will handle your complaint.


If the dispute is not resolved in this way, you can contact the bank dispute ombudsman Ombudsfin, North Gate II. Boulevard du Roi Albert II 8,1000 Brussels. Call +32 2 545 77 70 or e-mail ombudsman@ombudsfin.be.

Comfort Auto is an insurance subject to Belgian law. It is offered to you, subject to acceptance by :

Insurance intermediary 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.


Insurer AXA Belgium, S.A. of insurances authorised under n° 0039 to practise 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.: 02 678 61 11 - Fax: 02 678 93 40 - CBE no.: VAT BE 0404.483.367 RPR Brussels 7.06.5833 - 0616.


Reporting a claim

Accident? Go to www.axa.be/myaxapro (FR) and report the claim.

Do you prefer another way?

- Accident? Download the declaration form complete it and email it to claims.corporate.property@axa.be. Or call +32 2 550 05 55 for assistance

- Do you need legal assistance? Download this document, complete it and email it to declaration@lar.be.

Changing your policy

Go to www.axa.be/myaxapro (FR) or send an email to portfolio.corporate@axa.be stating what you'd like to change.

Terminating your policy

Go to www.axa.be/myaxapro (FR) or download the termination form, complete it and email it to portfolio.corporate@axa.be.