Car insurance in Belgium

Updated on July 31, 202615 plans compared15 providers

In short

Only third-party liability cover is compulsory in Belgium for a motor vehicle: it pays for the damage you cause to others and never for your own car. Two optional levels sit above it. The mini-omnium adds a closed list of named risks, and the full omnium adds damage to your own vehicle including when you are at fault.

Our verdict

A Belgian motor premium depends more on your profile than on which insurer you pick: age, years since the licence, bonus-malus degree, postcode, and the power and value of the car. Two drivers can pay triple the difference at the same insurer. Ask for three quotes on strictly identical cover — any other comparison is meaningless.

Motor insurers listed on the Belgian market and the features they advertise.
Provider	Plan	Price	Key points	View plan
YuzzuCheapest AXA	RC auto	€270/year	Compulsory third-party liability Direct insurer, no branches Sign up and manage online	View plan
Belfius	RC auto	€281/year	Compulsory third-party liability Sign up online Managed in the Belfius app	View plan
ING	RC auto	€323/year	Compulsory third-party liability Sign up online Integrated with your ING account	View plan
CBC Banque KBC	RC auto	€335/year	Compulsory third-party liability French-language brand of the KBC group Fully online sign-up	View plan
Allianz	RC auto	€335/year	Compulsory third-party liability Network of independent brokers Vehicle assistance optional	View plan
Ethias	RC auto	€340/year	Compulsory third-party liability Belgian public insurer No intermediary	View plan
Fédérale Assurance	RC auto	€354/year	Compulsory third-party liability Mutual company: annual rebate to policyholders Network of advisers across Belgium	View plan
ACM Insurance	RC auto	€393/year	Compulsory third-party liability Subsidiary of Crédit Mutuel Sign up in a Beobank branch	View plan
Baloise	RC auto	€399/year	Compulsory third-party liability Broker network Modular range	View plan
Beobank	RC auto	€417/year	Compulsory third-party liability Distributed through Beobank branches Policy underwritten by ACM Insurance	View plan
Argenta	RC auto	€421/year	Compulsory third-party liability Distributed through Argenta branches Discount with an Argenta account and loan	View plan
AG	RC auto	€486/year	Compulsory third-party liability Belgium's largest insurer Network of brokers and banks	View plan
KBC	Assurance auto KBC	On request	Compulsory third-party liability Quote and sign-up fully online Breakdown assistance optional	View plan
DVV	Assurance auto DVV	On request	Compulsory third-party liability Network of DVV advisers Belfius group	View plan
Aedes	Assurance auto Aedes	On request	Compulsory third-party liability Belgian niche insurer Sign up through a broker	View plan

Prices and features surveyed on January 28, 2026. They may have changed since. Always check the offer on the provider’s website before signing up.

Third-party, mini-omnium and omnium: what each covers

Third-party liability — responsabilité civile, RC auto — is compulsory. It compensates others: drivers, passengers, pedestrians, property. It never covers your own vehicle, and it does not cover your own injuries when you are the driver at fault.

The mini-omnium, also called partial omnium, adds a closed list of named risks: typically theft, fire, glass breakage, natural forces and collision with an animal. The contents of that list vary noticeably between insurers, which makes it the single most useful point of comparison.

The full omnium adds material damage to your own vehicle, including when you are at fault, when no third party is identified, or when there is no third party at all — a bollard, a wall, leaving the road. It is the dearest formula and the relevant one on a recent or financed car.

One separate cover deserves attention: driver insurance. Without it, the driver at fault receives nothing for their own injuries. It is the most common gap in Belgian motor policies and it is discovered at the worst possible moment.

What actually moves a Belgian premium

The bonus-malus is the central mechanism of the Belgian market. It is a scale of degrees: each year without an at-fault claim moves you down, each at-fault claim moves you up several. Your degree follows you from insurer to insurer, evidenced by a claims history certificate issued by the previous one.

Age and years since the licence weigh heavily in the early years. A driver under twenty-five holding a recent licence pays structurally more, at every insurer, because the claims statistics for that group are what they are.

The postcode counts too. Traffic density and local claims frequency feed the tariff, and Brussels is generally more expensive than rural areas for the same driver and the same car.

The franchise, the excess you carry yourself, moves the premium in both directions. Raising it cuts the annual cost and increases what you pay after a claim. That is a cash-flow trade, not a saving.

The plate follows the person, not the car

Belgian registration works differently from most neighbouring systems. The DIV, the vehicle registration authority, issues the plate to you, not to the vehicle. Sell the car and you keep the plate; buy another and the same plate moves onto it.

The consequence for insurance is direct: the registration request goes through your insurer, which supplies the certificate the DIV requires. No insurance, no plate — the two procedures are joined.

You must be entered in the register of a Belgian commune to hold a Belgian plate. Someone arriving from abroad therefore registers at the commune first, then registers the vehicle, and there is a legal deadline for doing so once you are resident.

For driving abroad, your insurer issues the certificate of insurance historically known as the green card, which evidences cover in the countries listed on it. Check that list before a trip outside the usual area.

Frequently asked questions

Which car insurance is compulsory in Belgium?

Only third-party liability. It must cover any motor vehicle on the public road, including one that is parked and not being driven. Driving without it is a criminal offence, exposes you to heavy penalties, and leaves you personally liable for compensating everything you damage.

How does bonus-malus work?

It is a scale of degrees. Each year without an at-fault claim moves you down one degree and lowers your premium; each at-fault claim moves you up several. The degree follows you when you change insurer, on the basis of a claims history certificate that your previous insurer must provide on request.

Do I keep my licence plate when I change car?

Yes. In Belgium the plate is attached to the holder, not to the vehicle, and it moves with you from one car to the next through the DIV. The insurance certificate for the new vehicle is what allows the registration to be updated, so tell your insurer before you take delivery.

Can I change insurer during the year?

The general rule is cancellation at the annual renewal with the notice written into the contract. Early cancellation is possible in defined cases, notably after a claim or when the insurer changes the tariff. Check the general conditions of your own policy, since the periods differ between insurers.

Is the driver's own injury covered?

Almost never by default. Third-party liability compensates others, not the driver at fault. Without a separate driver cover, your own injuries are not indemnified when you caused the accident. This is the single most frequent gap in Belgian motor contracts and it costs nothing to check.