Car accident in Belgium: what to do?
Car accident in Belgium: paper form or Crashform, the 8-day deadline to report, bonus-malus impact and recourse after a hit-and-run.
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20+ Belgian insurers under review — major groups and direct players
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Comparisons
The best Belgian car insurers ranked by real premium and cover — from third-party to full omnium.
ExploreGuides & advice
Bonus-malus, deductible, cancellation, claims: everything you need to know to choose well.
ExploreSimulators & quotes
Estimate your premium based on your profile and vehicle, then get an online quote.
ExploreYoung drivers
Recent licence or first car: the contracts that limit the young-driver surcharge.
ExploreCoverage types
Third-party, mini-omnium, omnium, breakdown assistance, legal protection: which cover for which need.
ExploreBelgium 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 %
0
Several years without a claim
lowest premium
11
First contract (reference)
base rate
14
After an at-fault claim
+ surcharge
22
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.
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€0
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Guides & advice
Guides & advice
Coverage types
Car breakdown assistance in Belgium: useful or duplicate?
Breakdown assistance is not compulsory in Belgium. Insurer, assistance provider or carmaker: where to get it, at what price, and when it overlaps.
Guides & advice
Car insurance abroad: where are you covered?
Does your Belgian car insurance cover you abroad? RC, omnium, assistance, excluded countries like Russia: what your green card really covers on a trip.
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