Independent guides, comparisons and reviews from Quelle Assurance Auto.
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.
Broker, agent, bank or direct insurer: who must analyse your needs before selling you car insurance in Belgium, what Article 284 says and how to keep proof of it.
Twelve brands, how many licensed insurers? NBB code, classes, solvency ratio and complaints: the four checks that separate a big name from a direct insurer in Belgium.
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.
Five on-board documents are mandatory in Belgium. A forgotten paper means a fine at worst; an expired inspection or an invalid licence opens a claim back from your insurer.
Belfius Car is sold through branches, with three levels of omnium cover. Partner garage, capped assistance, exclusions: the settings that decide real protection.
Good-faith mistake or lie: Belgian law does not apply the same penalty. Voidness, proportional reduction, cancellation, and how to check your own declarations.
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.
Second driver on a Belgian car insurance policy: when to declare them, what an omission costs under RC (€250 or everything), the young-driver deductible and the history they build.
