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.
Category
Prix & bonus-malus
Omnium excess: do you pay it when the other driver is at fault?
Your omnium excess applies even when the other driver is liable. Two routes to avoid or recover it, real excess figures from five Belgian contracts, and the lines to read in your policy schedule.
Car insurance: pay monthly or annually in Belgium?
Paying car insurance monthly usually costs 3 to 7% more in Belgium, and a missed direct debit can suspend your cover. The cases, the legal delays and what to check.
Car insurance price rise in Belgium: three months to say no
Your car insurer raises the premium? Depending on the cause, you keep or lose the right to cancel. The three cases, the deadlines, six steps and the cover-gap trap.
Renegotiating car insurance in Belgium: price is not what moves
A Belgian insurer does not cut a premium, it sells you a different contract. Seven renegotiation levers ranked by the cover they cost you, a worked calculation on the omnium of an old car and the three lines never to touch.
Claims history certificate: the record that sets your premium
The claims history certificate is not your bonus-malus, it is the record it is calculated from. Contents, five-year window, carattest.be, the 15-day deadline, costly misclassifications and a ten-minute check.
English excess in Belgium: the threshold that decides whether your insurer pays everything, or nothing
An English excess is not deducted from your payout. It is a threshold: below it, you pay the whole repair bill. Real figures from Belgian contracts, the four excess clauses compared, and how to find yours.
Bonus-malus car insurance in Belgium: how it works and how to lower it
Bonus-malus in Belgium in 2026: the 0-to-22 scale, how it's calculated, its impact on your premium, the claims history certificate, and concrete tips to lower your level. A clear, jargon-free guide.