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.
Category
Formules & garanties
Expired roadworthiness test: will your car insurance pay?
Expired roadworthiness test and an accident in Belgium: third-party liability pays the victim, then your insurer can claim money back if it proves a causal link. Omnium follows its own exclusions.
Car insurance excess in Belgium, cover by cover
Car insurance excess on liability, own damage, glass or for a young driver: where to find it in a Belgian policy, cover by cover, and what can change it.
Mechanical breakdown insurance: omnium won't pay
Omnium excludes wear and manufacturing defects. Legal guarantee, manufacturer warranty, extended warranty: who pays for a breakdown in Belgium, and what to check first.
What does mini-omnium cover? Cover and exclusions read
Theft, fire, glass, natural forces, animals: what a Belgian mini-omnium pays, what Ethias's conditions exclude, and how to check your own policy.
At fault, not at fault or shared fault: who pays in Belgium?
At fault, not at fault, shared fault: three statuses that decide who repairs your car, whether a deductible applies and whether your malus moves. A table by cover level and the clauses of three Belgian policies.
Driver insurance in Belgium: what does it pay?
Compulsory liability insurance never pays your own injuries when you are at fault. Driver insurance does. Cover, limits, exclusions and traps read in four Belgian policies.
Increase in risk in Belgian car insurance: what to declare, and by when?
A move, a new main driver, a change of use: an increase in risk must be declared during the contract. Insurer deadlines, reduced payouts, clauses to read.
Business use car insurance in Belgium: the real line
The commute stays private; a sales round, paid delivery and renting out the car do not. What Belgian policies say, and what an undeclared use really costs.
Insurer subrogation in Belgium: who your insurer can pursue
Subrogation against the party at fault, recourse against you: the two Belgian mechanisms, the cases in the 2018 royal decree and the 31,000 euro cap.
Car vandalism in Belgium: which insurance covers it?
Scratches, graffiti, slashed tyres, a smashed window: in Belgium, vandalism is normally paid under full omnium. Policy by policy, the exclusions and deductible to read first.
Non-running car in Belgium: do you still have to insure it?
Car parked, broken down or being restored: is third-party liability insurance still compulsory in Belgium? Suspension, private garage, public road and DIV plate: the cases and what to do.