Best car insurance in Belgium in 2025
- How does car insurance work in Belgium?
- What does car insurance cover?
- What are the usual exclusions of car insurance?
- How much does car insurance cost in Belgium?
- Best auto insurance pans in Belgium
- How to lower the cost of your car insurance?
- FAQ
Did you know that in Belgium, car insurance is not only highly recommended but a legal requirement for every vehicle owner? Driving uninsured can result in fines, license suspension, or even criminal prosecution, while a single at-fault accident could leave you personally liable for thousands of euros in damages. The realities of unpredictable weather, dense traffic in urban centers, and a high frequency of theft and vandalism mean most Belgian drivers face heightened daily risks.
Basic car insurance, known locally as “RC Auto,” covers liability to third parties only, leaving your own car repairs or theft uncompensated unless you opt for more comprehensive coverage. Differences in policies can be significant: exclusions for uninsured drivers, minimum legal limits, and deductibles matter just as much as price. That’s why comparing options is more than just a smart move—it’s essential for securing adequate financial protection and peace of mind.
HelloSafe’s mission is to provide an independent, transparent, and up-to-date comparison of Belgium’s leading car insurance offers, so you can make confident, informed decisions tailored to your needs and budget.
How does car insurance work in Belgium?
Car insurance in Belgium is mandatory for every vehicle owner and serves to protect both drivers and potential victims in case of an accident. The basic policy, called “RC Auto,” covers third-party liability for bodily injury and property damage, but does not include damage to your own car. Drivers can choose from a wide range of additional options such as comprehensive (omnium), partial omnium, and roadside assistance, with flexible reimbursement levels and coverage for theft, fire, vandalism, or natural disasters.
Choosing the right policy helps you stay compliant with Belgian law while tailoring protection to your driving habits, journey frequency, and budget. Many insurers offer solutions with international coverage, specific deductibles, and options that address urban, rural, or long-distance travel. Having a well-adapted car insurance plan gives peace of mind and real financial security on Belgian roads and beyond.
What does car insurance cover?
In Belgium, basic car insurance, known as “RC Auto” (civil liability), is a legal requirement and covers bodily injury and property damage caused to third parties in an accident. This basic coverage does not pay for damage to your own vehicle or for theft, fire, vandalism, or natural disasters. Optional add-ons include partial omnium (covering risks like theft, fire, broken glass, and natural forces) and full omnium (comprehensive), which also includes collision and own damage even if you are at fault.
Reimbursement is generally based on repair costs or the calculated value of the vehicle at the time of the claim, minus any deductible (franchise) outlined in your contract. Waiting periods are rare for car insurance, but deductibles and specific exclusions may apply depending on your chosen options and insurer.
| Type of cover | Basic legal coverage (RC Auto) | Partial omnium (Mid-range) | Full omnium (Comprehensive) |
|---|---|---|---|
| Bodily Injury (to others) | ✅ | ✅ | ✅ |
| Property Damage (to others) | ✅ | ✅ | ✅ |
| Uninsured/Underinsured Motorist (UM/UIM) | ❌ | ❌ | ❌ |
| Theft | ❌ | ✅ | ✅ |
| Vandalism | ❌ | Optional | ✅ |
| Natural Disasters | ❌ | ✅ | ✅ |
| Fallen Objects | ❌ | ✅ | ✅ |
| Animal Collisions | ❌ | ✅ | ✅ |
| Broken Glass | ❌ | ✅ | ✅ |
| Collision (driver at fault) | ❌ | ❌ | ✅ |
| Collision (not at fault) | ✅ (to others) | ✅ (to others) | ✅ (to others + own damage) |
| Medical Payments (driver/passengers) | ❌ (Optional, extra) | Optional | Optional |
| Personal Injury Protection (PIP) | ❌ (Optional, extra) | Optional | Optional |
| Roadside Assistance | ❌ (Optional, extra) | Optional | Optional |
| Rental Reimbursement | ❌ (Optional, extra) | Optional | Optional |
| Gap Insurance | ❌ (Optional, extra) | Optional | Optional |
| Custom Parts & Equipment Coverage | ❌ (Optional, extra) | Optional | Optional |
| Ride-sharing Coverage | ❌ (Optional, rare) | Optional | Optional |
| New Car Replacement/Better Car Replacement | ❌ | ❌ | Optional |
| Accident Forgiveness | ❌ (rare) | ❌ | Optional/rare |
What are the usual exclusions of car insurance?
In Belgium, car insurance often excludes damages that result from intentional acts, such as deliberately causing an accident or vandalising your own vehicle. Claims related to general maintenance or wear and tear, as well as issues arising from driving under the influence of drugs or alcohol, are also not covered. Most policies do not compensate for loss or damage to personal belongings left inside the car, or for accidents caused by unauthorised or unapproved drivers. Coverage is limited by stated policy limits, and insurers will not pay above those thresholds; there may also be exclusions if you drive outside permitted territories or under non-standard conditions. Always check your contract for specific exclusions, waiting periods, or non-covered risks.
| Exclusion type | Example | Good to know |
|---|---|---|
| Intentional Acts | Deliberately crashing your car | Insurance never covers intentional or fraudulent damage. |
| Vehicle Condition & Use | Lack of maintenance, wear and tear, or racing | Regular breakdowns and track use are always excluded from standard policies. |
| Legal/Administrative | Unauthorised drivers or driving under influence | No cover if an unlisted driver or intoxicated driver causes an accident. |
| Legal/Administrative | Exceeding policy coverage limits | Any cost above your policy maximum is your own responsibility. |
| Vehicle Condition & Use | Personal belongings stolen from car | Standard motor insurance excludes personal effects (see home insurance). |
| Geographical/External | Driving outside covered region | Damages abroad may not be covered unless otherwise agreed in your contract. |
How much does car insurance cost in Belgium?
Car insurance pricing in Belgium is influenced by several factors, including the age of the driver, their driving record, the type of coverage selected, the deductible, and the risk profile of their residential location.
Insurers assess risk based on previous claims, accident history, and any recorded traffic violations, with younger or less experienced drivers often paying higher premiums due to increased perceived risk.
Premiums tend to rise after an at-fault claim or when drivers accrue fines for offences such as speeding or reckless driving.
Choosing full coverage over liability-only insurance, opting for a lower deductible, living in cities with higher theft or accident rates, or insuring a newer or high-performance car can all substantially increase the premium.
Premiums are always quoted in euros (€) and are adjusted annually or at renewal to reflect changes in risk, cover additions (such as roadside assistance or legal protection), and driver history.
| Driver's Age | Coverage Level | Monthly premium (low-risk location, €) | Monthly premium (high-risk location, €) |
|---|---|---|---|
| 25 | Liability only | €65 | €90 |
| 25 | Full coverage | €120 | €175 |
| 45 | Liability only | €40 | €55 |
| 45 | Full coverage | €82 | €122 |
| 65 | Liability only | €38 | €50 |
| 65 | Full coverage | €77 | €110 |
Best auto insurance pans in Belgium
Best for everyday commuting (school/work)
Ethias “Mini Omnium” offers an ideal solution for daily commuters, providing compulsory liability coverage with the option to include glass breakage and legal protection. The plan is well-suited for those regularly navigating busy urban areas or highways, thanks to rapid roadside assistance and an efficient digital claims process. Premiums are competitive for both new and experienced drivers, and reimbursement for third-party damages can reach up to €100 million, ensuring peace of mind on your daily journeys.
Best for families with multiple vehicles
AXA Belgium “Maxi Omnium” enables families to insure multiple vehicles under a single policy, simplifying administration and unlocking multi-car discounts. Coverage includes liability, full comprehensive protection (damage, theft, natural disasters), and optional legal aid, with reimbursement for comprehensive claims often capped at the vehicle’s market value. This product stands out for its flexibility, strong customer service, and easy online management—ideal for households managing several drivers and vehicles.
Best for tight budgets
Corona Direct “Kilometerverzekering” bases premiums on actual kilometers driven, making it one of Belgium’s most affordable options for low-mileage users. This formula includes mandatory liability insurance and allows optional add-ons such as legal assistance or window damage. It’s perfect for those seeking to control costs, with the reassurance of up to €100 million in third-party liability coverage, and is especially competitive for infrequent drivers.
Best for expats or international drivers
Allianz “MotorOmnium” is well-known for tailored solutions for expats, offering service in multiple languages and easy document handling for those with foreign driving licenses. This fully comprehensive plan covers liability, comprehensive damage, theft, and has strong support for cross-border claims, including Green Card coverage for travel within the EU. Designed for international mobility, it delivers extensive benefits and a digital-friendly process appreciated by globally mobile clients.
Best for senior drivers
Baloise “Baloise Car” offers bespoke rates for experienced and senior drivers, recognising their lower claim frequency and careful driving habits. Premiums can be adjusted for lower mileage and additional safety features, and the plan covers third-party liability, own vehicle damage, and roadside assistance. With special focus on customer guidance and excellent claims support, Baloise Car ensures security and flexibility for older motorists.
Best for students or young drivers
Yuzzu “Drive” is designed for younger drivers, providing basic but robust liability coverage with accident and glass breakage as affordable add-ons. The product rewards safe and claim-free driving with annual discounts and features a streamlined online quote process. Parents can often co-insure a vehicle to keep premiums manageable, and third-party liability limits can reach €100 million, offering solid protection for first-time drivers.
Best for self-employed or business use
KBC Autoverzekering “Professional” caters to self-employed drivers with flexible formulas that adapt to private and professional usage. It covers mandatory liability, damage, theft, and offers optional breakdown support and legal defense, with business interruption benefits available. The policy is notable for its rapid claims turnaround, digital claim tracking, and tailored pricing—useful for freelance professionals and small business owners.
How to lower the cost of your car insurance?
Reducing your car insurance premiums in Belgium is possible with a few practical strategies:
- Compare offers: Use our HelloSafe comparison tool at the top of the page to quickly review and secure the best car insurance deals available in Belgium.
- Increase your deductible: Opting for a higher deductible will lower your annual or monthly premium, but make sure you can cover that amount in case of a claim.
- Drive safely: Keeping a clean driving record helps you avoid penalties and unlocks safe driver discounts from most insurers.
- Bundle insurance policies: Combining your car insurance with home or family insurance through the same provider can earn you significant multi-policy discounts.
- Choose your car wisely: Selecting a model with high safety ratings, low theft rates, and modest repair costs will usually result in more affordable premiums.
- Limit your annual mileage: Inform your insurer if you use your car less frequently, as many Belgian insurers offer lower rates to low-mileage drivers.
- Install approved anti-theft devices: Fitting your vehicle with a recognized alarm or tracking system can make you eligible for further discounts.
- Pay annually instead of monthly: If you’re able, paying your premium in a single annual payment often works out cheaper than monthly instalments.
FAQ
What types of car insurance are available in Belgium?
In Belgium, you can choose between third-party liability (compulsory), partial omnium (fire, theft, glass, forces of nature), and full omnium (comprehensive) policies. Each option offers different levels of protection based on your needs and the value of your vehicle.
Is car insurance mandatory in Belgium?
Yes, by law, every vehicle on public roads must at least have third-party liability insurance. This covers injuries and damages caused to others, but not your own car’s repairs after an accident you cause.
Can I transfer my car insurance if I sell my car?
You can usually transfer your car insurance to a new vehicle if you are the policyholder, but you should inform your insurer of the change as soon as possible. Premiums may be adjusted depending on the new car’s characteristics.
How is the car insurance premium calculated in Belgium?
Premiums are influenced by factors like your age, driving history, vehicle type, postal code, and the coverage options you select. Safer drivers and less expensive or lower-risk vehicles usually receive lower premiums.
What happens if I drive without insurance in Belgium?
Driving without valid car insurance is illegal and can result in heavy fines, the seizure of your vehicle, and even disqualification from driving. Any damages caused in an accident would need to be paid out of pocket.
Does Belgian car insurance cover me abroad?
Most Belgian car insurance policies include coverage across the EU and other countries listed on your international insurance card (green card). Always check with your insurer before driving outside Belgium to confirm specific territorial limits.
What should I do after a car accident in Belgium?
After ensuring everyone's safety, complete the European Accident Statement with the other party and notify your insurer promptly. Your insurer will guide you through the claims process and tell you which documents to submit.
Can I drive someone else’s car with my insurance policy?
Standard third-party coverage follows the insured vehicle, not the driver, so you cannot rely on your own policy when driving another car. Additional policies or "any driver" coverage may be available, so check with your insurer.
Are there discounts available for Belgian car insurance?
Yes, insurers may offer discounts for drivers with no-claim records, certain security devices, or if you combine multiple insurance policies. Be sure to ask your insurer what discounts apply to your situation.
How can I cancel my car insurance in Belgium?
You can cancel your car insurance by sending written notice to your insurer, usually observing a notice period of three months before the contract's annual renewal date. It’s important to arrange new coverage before canceling if you still own and use a vehicle.
What types of car insurance are available in Belgium?
In Belgium, you can choose between third-party liability (compulsory), partial omnium (fire, theft, glass, forces of nature), and full omnium (comprehensive) policies. Each option offers different levels of protection based on your needs and the value of your vehicle.
Is car insurance mandatory in Belgium?
Yes, by law, every vehicle on public roads must at least have third-party liability insurance. This covers injuries and damages caused to others, but not your own car’s repairs after an accident you cause.
Can I transfer my car insurance if I sell my car?
You can usually transfer your car insurance to a new vehicle if you are the policyholder, but you should inform your insurer of the change as soon as possible. Premiums may be adjusted depending on the new car’s characteristics.
How is the car insurance premium calculated in Belgium?
Premiums are influenced by factors like your age, driving history, vehicle type, postal code, and the coverage options you select. Safer drivers and less expensive or lower-risk vehicles usually receive lower premiums.
What happens if I drive without insurance in Belgium?
Driving without valid car insurance is illegal and can result in heavy fines, the seizure of your vehicle, and even disqualification from driving. Any damages caused in an accident would need to be paid out of pocket.
Does Belgian car insurance cover me abroad?
Most Belgian car insurance policies include coverage across the EU and other countries listed on your international insurance card (green card). Always check with your insurer before driving outside Belgium to confirm specific territorial limits.
What should I do after a car accident in Belgium?
After ensuring everyone's safety, complete the European Accident Statement with the other party and notify your insurer promptly. Your insurer will guide you through the claims process and tell you which documents to submit.
Can I drive someone else’s car with my insurance policy?
Standard third-party coverage follows the insured vehicle, not the driver, so you cannot rely on your own policy when driving another car. Additional policies or "any driver" coverage may be available, so check with your insurer.
Are there discounts available for Belgian car insurance?
Yes, insurers may offer discounts for drivers with no-claim records, certain security devices, or if you combine multiple insurance policies. Be sure to ask your insurer what discounts apply to your situation.
How can I cancel my car insurance in Belgium?
You can cancel your car insurance by sending written notice to your insurer, usually observing a notice period of three months before the contract's annual renewal date. It’s important to arrange new coverage before canceling if you still own and use a vehicle.
