Wear and tear in car insurance: three mechanisms, one word
In Belgian car insurance, wear and tear is not one deduction. Two real depreciation scales compared, the wear exclusion, and where to read the clause in your policy.
Category
Formules & garanties
Legal protection car insurance: three Belgian policies read
Intervention threshold, cover limit, third-party insolvency, exclusions, legal costs award: three Belgian legal protection policies for cars, read line by line before you sign.
Hail damage car insurance in Belgium: are you covered?
Hail is only paid under a natural forces guarantee: mini omnium, full omnium or an add-on to liability cover. Policy by policy, the exclusions and deductible to read before the storm.
Policyholder, insured, driver: who is who on a Belgian policy
Policyholder, insured, beneficiary, driver: four roles a Belgian car policy keeps apart. Who is covered under RC and omnium, who appears on the accident report and who takes the malus.
False declaration in car insurance: void or reduced?
Good-faith mistake or lie: Belgian law does not apply the same penalty. Voidness, proportional reduction, cancellation, and how to check your own declarations.
Car breakdown cover in Belgium: two policies taken apart
Vehicle age, repeat breakdowns, a tow truck you call yourself, the replacement car: the clauses that really separate two Belgian breakdown assistance policies.
Specific conditions car insurance: what to check?
General conditions, specific conditions: which one prevails, what to check first, and why the declared habitual driver changes everything. The ten-minute method for Belgium.
Glass cover in Belgium: what the guarantee actually includes
Windscreen, side windows, glass roof: the list is closed. Headlight lenses, rear lights and mirrors usually sit outside it. The real scope, policy by policy.
Forfeiture of cover: when a Belgian insurer can refuse to pay
Forfeiture, exclusion and nullity are three different sanctions in Belgian law. The two tests of article 65, the 2025 Cassation ruling, and how to read your policy.
Electric car insurance in Belgium: which cover should you choose?
Electric car insurance in Belgium in 2026: price, battery cover, charging cable and wallbox, breakdown assistance. The clear guide to choosing the right cover.
Mini-omnium or full omnium: which car insurance to choose in Belgium?
Mini-omnium or full omnium in 2026: coverage differences, price, deductible and vehicle age. The clear guide to choosing the right car insurance plan in Belgium.