Car insurance in Belgium explained
Welcome to Belgium! This beautiful country has a lot to offer to all ex-pats and foreigners. So, what about driving your car and exploring the roads and famous places in the country?
But, have you got car insurance yet? If not, then quickly read this guide, and explore all details of car insurance in Belgium.
List of car insurers in Belgium
We have listed the most reliable insurance companies in Belgium below while using the following criteria:
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KBC is a top-notch quality Belgium car insurance. KBC is ex-pat-friendly and provides the best coverage on all car damages. |
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DVV is a multiple award-winning car insurance – great benefits and service |
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Belfiusdirect: you can get kilometer car insurance with other traditional car insurances with this issuance. |
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Different types of car insurance in Belgium
In Belgium, you can get your hands on a few different types of car insurance policies, depending on your requirements, budget, preferences, etc. So, now, let’s find out crucial information about different car insurances in this country.
1. Third-party liability insurance
Like most other countries, you should opt for third-party liability insurance is as a bare minimum in Belgium. You must accept auto insurance once you get a car in Belgium, no matter whether it is old or new. As the name implies, it is third-party insurance, so, here, if someone gets injured by you, it covers only that price. If you are the cause of the accident, third-party insurance covers the cost of death, injury, car damage, etc. But, remember, this liability insurance will not cover any of your costs, no matter how injured you are. So, it is the perfect insurance for occasional drivers.
2. Semi comprehensive insurance
If you want car insurance that can provide you with more protection than just third-party liability insurance, semi comprehensive insurance is a good option to consider. With this car insurance, along with getting third-party coverage, you can get your costs covered. Generally, semi or part-comprehensive car insurance covers the cost of your car if it goes through glass breakage, damage caused by a natural disaster, collision with animals, breakage, theft or attempted theft, fire, etc. However, if you are responsible for the damage, it may not cover your cost.
3. Fully comprehensive insurance
For all ex-pats looking for top-notch safety in their car in Belgium, fully comprehensive insurance is the best for you. It is the best car insurance in Belgium, where all costs of the damage to your car, injury, death, etc., get covered when the insured car is at fault. It covers almost all costs like semi-comprehensive insurance. Furthermore, it covers the costs caused by vandalism, filling up with the wrong type of fuel, and more.
Other car insurances in Belgium
- Legal assistance: Each time an accident occurs, drivers tend to end up in conflict. So it is when you need the help of legal assistance. Whether it is your fault or not, if you opt for legal assistance, the insurer will make sure that you will get all damage costs covered.
- Driver accident insurance: In Belgium, third-party liability insurance only covers the damage cost caused by you. As a result, no matter how injured you get, it is not going to cover any of your damages. So, if you own a car in Belgium and you drive it, you should get driver accident insurance so that all your medical expenses will get covered.
- Roadside assistance and personal assistance: This insurance comes into play when you are stuck on a road due to an accident. Additionally, personal assistance insurance makes sure to cover the medical expenses you face while traveling on the road.
All you need to apply for car insurance in Belgium
Once you get settled in Belgium and get a car, now, it’s time to apply for Dutch insurance in Belgium. Like in other countries, you too have to follow a few processes, and you need a few documentations for getting car insurance. The process is straightforward, and once your application gets approved, you will get the result within a few weeks. Additionally, most car insurance companies in Belgium offer online applications as well. So, apply online, wait for a few days, and make your car insured.
Let’s look at what you need to apply for car insurance Belgium:
- Your identification proof tells you whether you are eligible for owning and driving a car.
- Belgium address proof
- Vehicle registration certificate
Which one to choose?
If you are looking for car insurance in Belgium, getting distracted by so many offers and companies in the market is pretty normal. But, you should select one only after reading all its terms and conditions, depending on your requirements, preferences, and, of course, the price. For instance, if you are a regular driver, opt for more secure insurance like fully comprehensive driver insurance, etc. But on the other hand, third-party liability insurance can work for you if you drive your car occasionally.
When it comes to price, take advantage of a car insurance Belgium calculator or a car insurance simulator Belgium. After evaluating everything in detail, now, you can select a trusted, reputed, and good car insurance company and an insurance policy.