Independent comparison · Belgium

Drive insured.
Pay the fair price.

Third-party, omnium, young driver or pay-per-kilometre. Compare 20+ Belgian insurers in minutes and save up to 40 % on your premium. Free, neutral, no commitment.

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20+ Belgian insurers under review — major groups and direct players

What do you want to compare?

One need, one colour,
the right cover.

Pick your area. We analyse the Belgian market for your profile and keep only the contracts that are truly worth it.

Comparisons

The best Belgian car insurers ranked by real premium and cover — from third-party to full omnium.

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Guides & advice

Bonus-malus, deductible, cancellation, claims: everything you need to know to choose well.

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Simulators & quotes

Estimate your premium based on your profile and vehicle, then get an online quote.

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Young drivers

Recent licence or first car: the contracts that limit the young-driver surcharge.

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Coverage types

Third-party, mini-omnium, omnium, breakdown assistance, legal protection: which cover for which need.

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Belgium special

The Belgian bonus-malus, finally decoded

In Belgium, your premium does not hang on a sticker price: it depends on your level on the 0–22 scale. Understanding this mechanism is knowing where you can save.

-2

Exemplary driver

−50 %

Several years without a claim

lowest premium

First contract (reference)

base rate

After an at-fault claim

+ surcharge

Several at-fault claims

up to ×2

Understand the bonus-malus →Each claim-free year = −1 level · one at-fault claim = +5 · your level follows you if you switch insurer.

Tool · Savings estimator

How much could you save?

Slide the sliders to match your situation. We estimate the gap between your current premium and the best offer available for your profile.

Current premium / month70 €

Annual mileage15,000 km

Estimated yearly saving

€0

by switching from your current premium to the best offer available for your profile.

840 €

Current premium / year

554 €

Best offer

See my real offers →

The journal

Advice to pay less

All articles

Comparisons

AG Insurance or KBC: which car insurance to choose?

AG Insurance or KBC for your car insurance in Belgium? Deductibles, total loss, discounts and distribution: the verdict for your profile.

9 min read · 12 August 2026

Comparisons

Best hybrid car insurance in Belgium

Insuring a hybrid in Belgium: green discounts (AXA and Ethias up to -20% below 100 g CO2/km), emissions threshold, omnium and 2026 tax rules explained.

9 min read · 2 July 2026