What should I look out for when buying car insurance or fleet insurance?

It is essential to have a good understanding of what each insurance covers and which options best suit your situation.

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Taking out car or fleet insurance is an important step in protecting yourself, your passengers and your vehicles. Whether you need single car insurance or fleet insurance, it is essential to have a good understanding of what each policy covers and which options best suit your situation. Read more about this type of insurance on our pages on the car insurance and fleet insurance.

What covers are available?

Car insurance is not only a legal requirement, but also a crucial factor in being able to travel carefree on the road. However, there are quite a few additional safeguards which are also very useful and thus worth looking into. Here are the main guarantees you can expect with car or fleet insurance:

Civil liability insurance (BA)

BA insurance is the only compulsory car insurance in Belgium. This insurance covers the damage you cause to others during an accident in which you are at fault. It is important to note that this insurance does not cover your own damages.

Comprehensive insurance

Small omnium:
It covers damage to your vehicle due to theft, fire, natural disasters, animal collisions and glass breakage.

Great omnium:
This one goes further and also covers damage due to the other party's own fault, hit-and-run and vandalism.

Breakdown insurance

This guarantee ensures that you are helped quickly in case of problems such as fire, theft, key loss, accidents, flat tyres and breakdowns. This insurance also offers a replacement car in most cases.

Driver accident insurance

In case of an accident, as a driver, you are not insured for your own injuries by default if you are at fault. Accident insurance provides cover for medical expenses, disability and death.

Legal expenses insurance

This insurance defends your interests in disputes, for example with garages or in case of criminal prosecution after a traffic offence. It is especially useful when the other party does not automatically compensate the damage, such as in accidents involving foreign vehicles.

Fleet insurance also offers unique benefits specifically tailored to business needs:

  • Favourable rates: By bundling all vehicles under one policy, you enjoy more favourable terms.
  • Less administration: With fixed rates for the entire fleet, regardless of driver, you save a lot of time and administrative hassle.
  • Annual monitoring: Your policy is updated annually based on the growth and changes within your business, so you are always optimally insured.


Whether you are an individual who needs a single car insurance policy or a business owner with a growing fleet of vehicles, it is crucial to have a good understanding of what each insurance policy covers. The right cover can protect you from unexpected costs and legal complications, giving you peace of mind on the road. Always make an informed choice and consider your specific needs before buying insurance. We will be happy to review this with you. Contact us via the contact form on our website or call us at 03/326.38.80.

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