Independent guides, comparisons and reviews from Quelle Assurance Auto.
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.
Vehicle age, insured value, existing damage, roadworthiness test: why cover for a used car in Belgium is decided before you sign, and what to check.
Theft, fire, glass, natural forces, animals: what a Belgian mini-omnium pays, what Ethias's conditions exclude, and how to check your own policy.
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.
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.
Account, car loan, package discount: what a Belgian bank can and cannot require for your car insurance, which insurer carries the policy and which clauses to read.
High malus, refused or surcharged: what third-party cover from the Bureau de Tarification includes, its official file conditions, and the exclusions to read before signing.
Insured value too low on your omnium: every payout shrinks in the same proportion, even a small repair. The Belgian rule, three contracts read and how to declare the right figure.
At ING the bank distributes and NN Non-Life Insurance insures. Cover levels, a fixed excess of 400 to 800 euros, missing exclusions and questions to ask before signing.
