Bonus-malus level: 11 is not 100%, 14 is
Bonus-malus level in Belgian car insurance: the pre-2004 scale line by line, the grids insurers use now, and how to read the premium percentage behind your own level.
Choisir votre assurance auto en toute sérénité
Comparatif indépendant, classements et simulateur — tout pour choisir la bonne assurance auto en Belgique, sans jargon et sans lien commercial.
What we compare
- Prime annuelle
- Type de couverture
- Franchise
- Assistance
- Bonus-malus
- Service sinistres
By topic
Formules & garanties
RC, mini-omnium, omnium complète : quelle couverture pour quel besoin.
Profils conducteurs
Jeune conducteur, senior, malussé, second véhicule : l'assurance adaptée à chaque profil.
Compagnies & comparatif
AG, Ethias, AXA, Belfius, KBC, Yuzzu : forces et faiblesses de chaque assureur belge.
Prix & bonus-malus
Comprendre le tarif, le bonus-malus, la franchise et faire baisser sa prime.
Sinistres & démarches
Déclarer un sinistre, remplir un constat, résilier ou changer d'assurance.
How we compare
Six criteria, every policy
Annual premium, cover type, excess, roadside assistance, bonus-malus and claims service — the same six for every insurer, no exceptions.
Exclusions first
No recommendation is published before the policy exclusions have been read. That is where two identically priced policies actually differ.
No commercial ties
No insurer can buy a place in the ranking. The comparison is free and earns no introducer commission.
Guides and analysis
Prix & bonus-malus
Formules & garanties
Car insurance exclusions in Belgium: law vs your insurer
Car insurance exclusions in Belgium: the six closed exclusions of liability cover, the insurer's recourse capped at €31,000, and three omnium lists read line by line.
Profils conducteurs
Senior car insurance in Belgium: premium, refusal, lifetime cover
Age alone is not a lawful reason to refuse you, but it weighs on premiums and renewal. Lifetime cover, health and omnium: the clauses to read before 60.
Stay informed
Once a month: what changes in Belgian policies, premiums and regulation.