Company car or lease car: which car insurance in Belgium?
Who insures a company or leased car in Belgium, what the lessor's omnium really covers, who pays the excess, and how to recover your claim-free years when the contract ends in 2026.
Simulateur Assurance Auto
Blog 2026
Independent guides, comparisons and reviews from Simulateur Assurance Auto.
Blog
42 articlesProfils conducteurs
Comparatifs assureurs
Insurance Broker or Direct Car Insurance: Which Should You Choose in Belgium?
Broker, tied agent or direct insurer: what the distribution channel really changes for the price, the duty of advice and the claims handling of your Belgian car insurance in 2026.
Garanties & formules
How do you report a car insurance claim in Belgium and get paid?
Reporting deadline, European accident statement, assessment, write-off, statutory payment deadlines: the full procedure for reporting a car claim in Belgium and securing the payout due in 2026.
Garanties & formules
Which optional cover should you add to your car insurance in Belgium?
Driver cover, legal expenses insurance, roadside assistance: what these three add-ons really cover in Belgium, their observed prices and which ones earn their premium line in 2026.
Profils conducteurs
Car insurance for high-malus or dropped drivers: what are your options in Belgium?
Refused by insurers, heavily penalised or dropped after a claim in Belgium? The Tariff Bureau, the Datassur RSR file, insurers that accept high-risk profiles and the method to find a reasonable premium in 2026.
Prix & primes
How to switch car insurance in Belgium: cancellation, notice period and the right method
Switching car insurance in Belgium in 2026: since October 2024 you can cancel at any time after the first year with two months' notice, no registered letter required. Notice periods, the claims history certificate, avoiding a coverage gap and paying less.
Profils conducteurs
Pay-per-kilometre car insurance in Belgium: who is it really worth it for?
How pay-per-kilometre car insurance works in Belgium, the mileage at which it becomes worth it, which insurers offer it and the traps to check before signing in 2026.
Prix & primes
The car insurance deductible: how does it work in Belgium?
The car insurance deductible explained for Belgium: fixed amount, percentage or English deductible, which cover it applies to, why a high deductible lowers the premium, and how to reduce or remove it in 2026.
Prix & primes
Cheap car insurance in Belgium: how to find the lowest price?
Cheap car insurance in Belgium: average prices in 2026 (liability, mini-omnium, omnium), why the same profile pays double, pay-per-kilometre formulas for low-mileage drivers, and the method to lower your premium without cutting your cover.