Insuring a Vehicle in Belgium

Information on the different types of car insurance available in Belgium, plus details on premiums, claims and cancelling an insurance contract...

In Belgium, it is the car and not the driver that is insured. All vehicles must have at least third party insurance to cover any physical harm or damage to a third party or their property. Proof of insurance must be carried at all times, and there are penalties for drivers of vehicles without valid insurance.

Car Insurance

Car insurance in Belgium is relatively expensive as it is subject to VAT. The premium depends on various factors, such as the make and model of car, its power and its age, as well as the age and driving history of the driver. Some companies have differing premiums according to the age, gender and place of residence of the driver.

Belgian car insurance has a system of no-claims bonuses, known as the Bonus-Malus system: annual rates may increase if a claim is made when an accident was the driver's fault; if the driver has no accidents, the rates will decrease. A no-claims bonus accumulated in another country may be transferred to a Belgian insurance policy, as long as the driver obtains written evidence from the present or previous car insurance company.

  • For information on how the Belgian car insurances works: Click here (in French)
Types of Insurance
  • Third Party Liability Insurance (Responsabilité Civile/wetteligjke aansprakelijkheids verzekering): This provides cover against damage to third party property resulting from an accident and is obligatory
  • Part Comprehensive (Mini Omnium/Mini Casco): This is third party and fire cover
  • Fully Comprehensive (Maxi Omnium/Volledig Casco): This policy covers virtually everything

In the event of an accident

Use the Accident Report Form (Constat Amiable/Europees aanrijdingsformulier), obtained from the insurance company. Both parties must sign this form. Take the name, address and insurance details of all parties involved and any witnesses and the registration numbers of the vehicles. Drivers have up to one week to send the form to their insurance company.

An excess is often payable for a claim, depending on the car's value.

Cancelling a Car Insurance Contract

In Belgium, three months' written notice must be given when cancelling car insurance. It is possible to have a clause inserted into the policy allowing short term cancellation, for example, for those who are obliged to transfer out of Belgium for employment reasons.

The Green Card

Belgian insurers automatically provide a Green Card which extends normal insurance to other European countries. The Green Card must be kept in the car at all times.

Further Information
Do you have a suggestion to improve this page? click here...

Content Sponsor

Citibank International Personal Bank Singapore

For over two decades, Citibank IPB Singapore has helped international clients diversify and...
Find out more...

Free Removals Quotes with Best Global Movers

Get free quotes from up to 6 removal companies and save up to 70%! Click here to get your quote.
Find out more...

Moneycorp

If you need to send money overseas Moneycorp, the exchange experts, can help you make your money...
Find out more...

Content Sponsor

Citibank International Personal Bank Singapore

For over two decades, Citibank IPB Singapore has helped international clients diversify and... Find out more...

CIGNA

Moving abroad? Get top quality international health insurance from CIGNA Global Health Options.... Find out more...

Cwm Cadno Boarding Kennels

Allow your pet to travel comfortably with our door to door road and air pet transport service.... Find out more...

Postcards

What's On

Concert - The National Orchestra of Belgium

Ilan Volkov (conductor) - Håkan Hardenberger (trumpet). Programme: Antonin Dvorak, The Noon Witch, op. 108, H.K. Gruber, Concerto for Trompet and...

More Details

Essentials

Public Holidays in Brussels

Key information about the national public holidays in Belgium as well as local public holidays in Brussels

Read More...

Useful Tools

Get Listed

If your business or non-profit organisation is based within Brussels, you can list it in the Business Directory free of charge

Read More...

Useful Tools

Online Translation

Use our simple translation tool to translate from almost any language to any other.

Read More...
X

Welcome to AngloINFO Brussels

Everything you need for life in Brussels - local information you can trust
The AngloINFO Brussels Business is available for franchising

Do you dream of having your own, profitable, easy-to-operate business? AngloINFO might be the solution!

Now in its fifteenth year of business, AngloINFO is the world's leading network of expat information websites - with over three million monthly visitors from around the world.
We have an established network of 88 local websites in 41 countries with many more in development.

Our 54 local franchisees are the key to our success and come from a huge range of backgrounds, ages and nationalities. The common factor is a passion for success.