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.
Quelle Assurance Auto
Blog 2026
Independent guides, comparisons and reviews from Quelle Assurance Auto.
Blog
65 articlesFormules & garanties
Sinistres & démarches
Theft from your car: does home insurance pay in Belgium?
A bag, a laptop, a child seat stolen from the car: the omnium pays for the window, almost never the contents. Five Belgian policies read to see who covers what, and on which conditions.
Formules & garanties
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.
Compagnies & comparatif
Yuzzu car insurance: formulas, exclusions and status
Mini omnium, omnium essentium, full omnium: what Yuzzu car insurance covers, the exclusions in its 2026 sheet, and what changed since AXA Belgium began carrying the risk.
Formules & garanties
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.
Formules & garanties
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.
Compagnies & comparatif
Ethias car insurance: four omnium formulas compared
Mini Omnium, Mini Omnium Plus, Omnium, Omnium Plus: excesses, month-by-month depreciation, shared exclusions and personal conditions, read from Ethias's information sheet.
Formules & garanties
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.
Prix & bonus-malus
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.