We will run through the options for properly insuring your car and all the extras.
This allows you to choose the car insurance that best meets your needs. After all, choosing the right insurance package can save you a great deal of money.
Fully comprehensive cover is appropriate when you buy a new car and if you are still paying off a loan for your vehicle. It allows you to avoid the risk of paying off a vehicle that you no longer own due to an accident. Fully comprehensive cover is therefore advisable for drivers who travel long distances and so are extremely dependent on their vehicle.
Limited comprehensive cover is ideal for slightly older or second-hand vehicles. The value of the vehicle is generally not (or no longer) high enough to require fully comprehensive cover.
Civil liability car insurance is a legal obligation. Any vehicle that travels on public roads must be covered by this legally required liability insurance. Even if you decide not to take out fully or limited comprehensive cover because your car is too old or you think the price is too expensive, the cheaper civil liability insurance is a must.
Civil liability car insurance is legally required and compensates any victims in the event of a road accident. This compensation may cover both material damage (to the vehicle) and bodily injury (to people).
Please note: you are not permitted to drive on roads without a civil liability car insurance policy.
Civil liability car insurance covers the following items:
You drive through a red light and cause an accident. Or you failed to give way, resulting in an accident. The damage to the vehicle you collided with and the bodily injury to both the other party and the passengers in your own vehicle is insured in both examples.
Civil liability car insurance also provides reimbursement when you are not at fault. if you have an accident involving a cyclist, for example. Any vulnerable road user who falls victim to a traffic accident has a right to compensation for their bodily injury, even if they were responsible for the accident. This applies specifically to pedestrians, cyclists and any passengers in the vehicle apart from the driver. The accident must have happened on a public road or in a publicly accessible place.
Does your vehicle have a tow bar?
Damage caused by a manoeuvre involving your trailer with a maximum load capacity of under 800 kg is automatically covered. Load capacity refers to the mass of the trailer when loaded. If the maximum load capacity of your trailer is greater than 800 kg, you must include it separately under the civil liability insurance of the vehicle you use to tow it.
If you are involved in an accident for which you are not responsible in Belgium, the following assistance will be provided:
What is not covered by civil liability car insurance?
The civil liability car insurance policy will never pay for damage to your own car. Only comprehensive cover will automatically compensate you for damage to your own vehicle.
Your civil liability car insurance policy will not pay your medical expenses if you are injured. It is advisable to take out additional driver insurance to cover this.
You can supplement your civil liability car insurance policy (which is required by law) with limited comprehensive cover in order to receive better protection.
Limited comprehensive cover insures your vehicle against fire, theft, glass breakage and natural forces. This means that it covers additional risks beyond just road accidents.
You can also count on a free replacement vehicle after any accident.
This refers to damage to your vehicle resulting from fire, explosion, lightning strike and flameless combustion. Please note: you should inform your insurer in advance if you transport flammable products.
This covers theft of the vehicle, only options or components, damage or write-off due to theft and damage or write-off as a result of attempted theft.
The theft cover is invalid if:
Objects you leave in your vehicle (e.g. laptop, mobile phone or sat nav) are never insured against theft.
What happens if your stolen vehicle cannot be found?
The replacement or repair of the windscreen, side windows, rear window and sunroof are all covered.
This refers to damage caused by natural forces such as flooding, earthquake, hailstorms, snow pressure or collisions with animals.
Fully comprehensive cover reimburses all damage, even if you are personally responsible for it. The insurer will pay out the value of the vehicle if it is completely written off.
The fully comprehensive cover almost always includes an excess or deductible. This amount may vary from insurer to insurer. The excess is the amount that the insurer will not pay and that you will have to settle. This may be a fixed amount, or a percentage of the insured value of your vehicle. The excess is determined when your contract is underwritten.
Every driver who takes out civil liability insurance receives a green card. This card proves that your vehicle is insured.
The green card contains the following information:
The green card or insurance card is a document that you are legally required to keep on board your vehicle at all times.
You must be able to present your green card during a police inspection. If you do not have this document with you then you risk being fined. For the police, it serves as proof that you have taken out the minimum insurance required by law.
In the event of an accident, you will need your green card in order to complete the accident claim.
In order to drive on the public highway, your vehicle must be registered with the DIV (Dienst voor Inschrijving van Voertuigen, or vehicle registration service). You will receive a registration certificate when you register.
How to get a registration certificate
You can apply for a registration certificate by completing the pink form, which you can obtain in one of several ways:
How to register your vehicle
You can do this via MyVanbreda.
New number plates normally cost around 50 euros. However, when you register your vehicle online via MyVanbreda, you receive both number plates for free.
You never know when you might become the victim of an accident. That's why you should make sure that you have an accident claim form in your vehicle at all times.
This is because you are obliged to complete an accident claim in the event of an accident. This allows you to provide a detailed description of the circumstances of the accident. You only need to complete one accident claim for all the vehicles involved.
How to complete the accident claim form
Because an accident is often a confusing and emotional experience, we recommend that you fill in some of the information in advance:
You will still need to add some more information to the claim form after the accident. This information allows the insurers to determine who is liable.
Add the following information to the top section of the accident declaration form:
You should add the following information in the column concerning you:
Draw a clear sketch of the circumstances of the accident. Use the correct proportions, specify the obstacles on the road, and indicate where the cars first collided.
Once you have completed the accident claim form, you should check to make sure that the other party has also completed everything correctly.
The claim form is the same everywhere in Europe. Naturally, it is written in the local language(s).