You never drive alone with Materné by your side.

Protected, insured, and ready to hit the road.


Car insurance is not only required by law, it is also an insurance that allows you to hit the road worry-free. Compare your options at Materné.

Your car insurance, your faithful companion on the road

Car insurance is your key to worry-free driving, in addition to being a legal obligation. Think carefully about your mobility package and avoid literally standing still on the road. Thanks to our insurance solutions, you always stay on the move.

Why car insurance?

Legal obligation

A moment of inattention happens quickly... You collide and you are unfortunately at fault.
By law, you are obliged to compensate the damage to the other party through the compulsory basic insurance with the guarantee 'BA'.

Carefree on the road

There are many safeguards that contribute to a complete mobility package. Thus, your insurances ensure that you always go out on the road with peace of mind.

Driver's injuries not insured by default

In an accident where you (the driver) are at fault, your own injuries are not covered by default. Those of your passengers are. Think consciously about the additional guarantees so you don't have any unpleasant surprises.

What does car insurance cover?

Civil liability insurance

Civil Liability (BA) is the only compulsory car insurance in Belgium. This guarantee means that victims will always be compensated after an accident in which you are at fault.
Although BA insurance is compulsory, it is important to know that your own property and bodily harm are not covered by this insurance.

Comprehensive insurance

If you do not want to pay for repairs to your vehicle out of your own pocket, opt for comprehensive insurance. Small comprehensive insurance covers material damage to your vehicle by:

  • theft
  • fire
  • natural disasters
  • collisions with animals
  • glass breakage


Our large comprehensive goes further and provides cover for damage caused by your own fault, as well as damage to your vehicle caused by the other party's hit-and-run and vandalism.

The Breakdown Assistance

Breakdown insurance will save you a lot of stress when you are stranded by the roadside.
This guarantee ensures that you will be helped quickly with problems such as:

  • fire
  • theft
  • key loss
  • accidents
  • flat tyres
  • breakdown


Moreover, we will arrange a replacement car if necessary. With Materné by your side, you always stay mobile.

Driver accident insurance

Are you at fault in an accident? Your passengers are insured anyway. But you as the driver are not.

Accident insurance provides cover for your medical expenses and compensation in case of disability and death due to the accident.

Legal expenses insurance

Compulsory third-party insurance reimburses the other party, but what if you are the one who suffers damage?
You will not automatically be reimbursed by the other party's compulsory insurance.
Just think of damage caused by a non-Belgian counterparty, accidents involving discussions, etc. This is when you need legal aid.
This insurance can also go the extra mile. There is always someone on your side to defend your interests in disputes with garages, defence in criminal charges following traffic offences, etc.

Frequently asked questions

Discover the most frequently asked questions about this insurance. Over the years, we have collected this information and summarise it here. Easy, right?

Anyone with a valid driving licence may drive your vehicle occasionally. Agree in advance who will pay for damages if an accident happens. That way you avoid discussions.

Do you have a large comprehensive? Agree who pays the exemption in case of an accident (at fault).

An additional exemption is applied to a young driver at fault.

Will someone else become the main driver of the vehicle? Notify us so we can update the policy.

Comprehensive is always useful, regardless of the age of your vehicle. Already you choose how long you keep the comprehensive insurance.

This is because comprehensive insurance covers damage to your vehicle in the event of your own damage or an accident at fault, as well as fire, theft, animal collision, natural forces and glass breakage. The repair costs here add up quickly, not to mention an accident resulting in total loss.

You can also opt for a small comprehensive. There, only covers for own damage or at fault in an accident are dropped.

Materné will be happy to advise you in which coverage best suits your needs.

Additional discounts may be included in your policy if you drive few miles per year. Be sure to contact us to see if we can add this discount in your contract.

You may drive your vehicle in the countries listed on your insurance card.

Going to a country not listed here? Then contact Materné so we can see if an extension is possible.

This depends on your insurance contract. By default, only coverage assistance is provided after accidents, entitling you to a replacement car.

For assistance after a breakdown, your policy needs to be extended. Materné will be happy to check for you which coverage your contract provides.

Other solutions for optimal coverage

Take the uncertain as the sure thing and discover our insurance policies that perfectly match it.

Assistance insurance helps you in case of problems or emergencies. It offers help with breakdown assistance or medical assistance. Discover the possibilities at Materné.
Legal aid
Legal expenses insurance protects your business and/or family in various legal matters, depending on the cover you choose. Materné goes over your options.
Accident insurance protects you from the financial consequences of accidents or injuries. Materné will compare the options with you.

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