Best Car Insurance Belgium

Best Car Insurance Belgium

Discover the Best Car Insurance Providers in Belgium

Photo by Vlad Deep on Unsplash
PUBLISHED ONNovember 27, 2023

Are you planning on renting a car in Belgium on your next travel and looking for rental insurance? While most car rental companies offer basic insurance options, further coverage might be wise for your adventure.

When you visit big cities like lively Brussels or charming Bruges, having full car insurance protects you from surprises. Beyond the convenience, it could also save you from a driver surcharge often imposed by public transport.

Whether you’re looking for term rental deals or just a one-off, having the right insurance can provide peace of mind.

So buckle up, let’s embark on a journey to find the best car insurance providers in Belgium!

Understanding the Car Insurance in Belgium

First, you want to understand that many rental agencies in Belgium offer one or several types of insurance. Most common options include Collision Damage Waiver (CDW), Theft Protection (TP), and Third-Party Liability Insurance (TPL).

Let’s go over what each of them covers:

1. Collision Damage Waiver (CDW) – This type of insurance covers the cost of damage to the rental car in case of an accident, theft, or vandalism.

2. Theft Protection (TP) – As the name suggests, TP protects against any loss or damages caused by theft or attempted vehicle theft.

3. Third-Party Liability Insurance (TPL) – TPL covers any damages or injuries to third parties caused by the rental vehicle.

These policies usually have a deductible, so you must pay a set amount before your insurance starts covering costs. Understanding how to obtain insurance in Belgium is crucial for a hassle-free experience.

Factors to Consider When Choosing a Car Insurance Provider

When renting a car in Belgium, there are several factors you should pay attention to to make an informed decision. Let’s delve into these key considerations:

Coverage Options

Almost all car insurance providers in Belgium allow you to pay with credit and debit cards. However, the coverage options can vary greatly among providers. Some rentals include basic insurance in the price, while others charge extra for more coverage. Be sure to consider the nature of your trip, the value of the vehicle, and the level of risk you are comfortable with when deciding on coverage.

Premium Costs

The cost of car insurance is heavily influenced by insurance regulations in Belgium, so the average price can vary. While it may be tempting to go for the lowest price, remember that it doesn’t always mean the best value. Cheaper insurance plans usually have high deductibles, less coverage, or big fees for additional features. Make sure to compare prices, understand what is included, and ask about any potential hidden costs.

Customer Service

Excellent customer service should not be overlooked. Some providers use customer service for advertising, promising quick and efficient responses. However, ensure they can assist when needed, especially in emergencies. It’s also important to determine whether they require any advance notice for changes in your rental agreement.

Claims Process

The claims process is another crucial factor. Top car insurance companies ensure filing claims is easy and hassle-free. Some may even have dedicated apps or online portals to facilitate claims submission and tracking.

Reputation and Reviews

Before deciding on a provider, it’s wise to check their reputation. Customer reviews give important info on their service quality and trustworthiness. Look for consistency in positive feedback and how the company handles negative reviews or complaints.

Discounts and Special Offers

Lastly, always look out for discounts and special offers. Some providers may offer lower rates for longer rental periods, advance booking, or loyalty programs. These offers can significantly reduce your overall rental costs.

Our Top Car Insurance Picks

We’ve listed our top choices based on key factors to help you pick the best car insurance for your Belgium trip.

AG Insurance

AG Insurance, a pillar of Belgian insurance, offers competitive car insurance with customizable coverage. Known for being reliable, it focuses on quick claims processing and making customers happy, offering help for theft and roadside emergencies. Positive reviews attest to its longevity and commitment to customer service.


Ethias offers clear, affordable car insurance and rewards for safe driving. It’s known for clear communication, quick claims processing, and extra services like legal help to improve customer experience.

DVV Verzekeringen

DVV Verzekeringen, a trusted name, offers competitive premiums and personalized car insurance solutions. Clients appreciate its clear communication, helpful online resources, and rewards for safe driving, leading to a great customer experience.

Axa Belgium

Axa Belgium, a global giant, provides diverse and competitive car insurance options. It’s known for being financially stable and rewarding safe driving with perks; it has easy-to-use online tools. Additional services like breakdown assistance and accessory coverage cater to modern drivers’ needs.

P&V Group

P&V Group is customer-centric and offers competitive car insurance with loyalty discounts. It’s known for great service and quick claim handling, offering an easy online experience. Extra services like legal help and glass repair show they care about drivers’ needs.

Tips to Save on Car Insurance in Belgium

  • Opt for a Higher Deductible: Choosing a higher deductible can lower your premium. While it means paying more out of pocket in case of a claim, it can significantly reduce your monthly insurance costs.
  • Bundle Your Policies: Bundling your car and home insurance with one company can save you money through discounts. Bundling is a practical way to maximize savings.
  • Maintain a Good Driving Record: Safe driving keeps you secure on the road and helps maintain a favorable insurance premium. Insurers often reward drivers with clean records at lower rates.
  • Choose a Car with Lower Insurance Costs: The type of car you drive influences your insurance premium. Opt for a vehicle with lower insurance costs by considering safety ratings, repair costs, and theft rates.
  • Ask About Discounts: Inquire with your insurance provider about available discounts. Get discounts if you’re a good student, drive safely, or have multiple policies. Understanding and leveraging these discounts can significantly reduce your overall insurance expenses.

Moving forward, let’s talk about some of Belgium’s most basic car rental requirements.

To rent a car in Belgium, you must meet the following requirements:

1. Age: You must be at least 21 to rent a car in Belgium, although this can vary by car category. Be aware that drivers under 25 may incur a young driver surcharge.

2. Driver’s License: A valid driver’s license for at least one year is necessary. If you have a non-EU/EEA license but also carry a valid International Driving Permit (IDP) in Belgium, you’re allowed to drive in the country for up to six months.

3. Seatbelts: Seatbelts are mandatory for all passengers in the vehicle.

Whether exploring a Belgian city or heading to the capital, following these guidelines and having a guide for driving in Belgium will ensure a smooth car rental experience. Remember, the best car rental in Belgium is the one that offers comprehensive rental services tailored to your travel needs.

Additional Tips: Guide to Renting a Car in Belgium

Together with your car insurance, here are some additional tips to consider when renting a car in Belgium:

Opt for Off-Peak Time of Rental

Time of rental plays a significant role in car rental prices in Belgium. Try to avoid peak tourist seasons or public holidays. Rental prices can escalate during these periods due to high demand. Similarly, weekdays are often cheaper than weekends for car rentals.

Plan Your Pickup and Dropoff Locations Wisely

Consider your pickup and dropoff locations. Central spots and airports, such as Brussels Airport, provide a range of car rentals, from luxury to affordable options. However, car rentals at train stations may come with an additional service fee. Explore rental locations wisely to find a balance between convenience and cost.

Consider Driving Restrictions in Western and Eastern Europe

If you travel across Western Europe to countries like France, Germany, the Netherlands, or even Eastern Europe, be aware that some car rental companies may have restrictions or additional insurance requirements for cross-border driving. Always check with your rental company in advance.

Choose Your Car Wisely

Opting for smaller, economy cars can significantly reduce rental costs. Many car rental companies offer luxury cars for a more comfortable, premium experience. Make sure to compare prices and benefits before deciding.

Early Booking

Early booking can help you secure the best deals, especially for luxury car rentals. Rental companies often offer attractive discounts for advance bookings, so you can book early if you have firm travel plans.

Check for Additional Rental Options

Many car rental companies offer additional rental options, such as GPS, child seats, or additional drivers, at extra charges. While these can add comfort and convenience to your journey, evaluate if they are necessary for your trip and worth the additional cost.

Understand Your Fuel Policy

Car rental companies often have different fuel policies. Some may require you to return the car with a full tank, while others may allow you to return it empty but charge for a full fuel tank at their rates. Understand your rental companies’ fuel policy to avoid unexpected charges.

Closing Thoughts

Getting car insurance is one way of ensuring your travel in Belgium is not only compliant with the law but also financially protected. Research and compare different car insurance options to find the one best suits your needs and budget.

Additionally, consider these tips when renting a car in Belgium to maximize savings and have a hassle-free experience on the road.

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