Car insurance in Belgium
Affordable coverage for expats living in Belgium. All in English, all online.
Why get car insurance in Belgium?
Car insurance is legally required in Belgium. Without it, you cannot drive or register your car.
But beyond that: it protects you financially when things go wrong.
Car insurance is mandatory in Belgium
Before you can register your vehicle with the DIV (Vehicle Registration Service), you must have valid third-party liability insurance. Without proof of insurance, you cannot legally drive.
Accidents happen, even to careful drivers
Dense traffic, cyclists, narrow city streets, and unpredictable weather increase risk. Even if you’re not at fault, damage can quickly cost thousands.
Belgian claims can be expensive
In Belgium, liability claims for bodily injury can reach very high amounts. Proper coverage protects your savings and future income.
Benefits of Feather's car insurance
Transfer your no-claims bonus
Keep the discount you’ve earned
If you’ve driven claim-free in the EU, UK, US, Switzerland, or other eligible countries, you may be able to transfer your no-claims history to Belgium.
We help you understand what documentation is required and how Belgian bonus-malus work
Flexible coverage options
Choose what fits your car and budget
From legally required third-party liability to fully comprehensive coverage; we help you choose the right level of protection based on:
- Car age
- Financing/leasing requirements
- Parking situation
- Driving volume
Support in simple, clear English
No Dutch or French required
Belgian insurance is usually handled in Dutch or French. Through Feather, you get:
- English explanations
- Help understanding Belgian coverage types
- Assistance with documentation
- Support during claims
Need more guidance?
Talk to one of our insurance experts.
What are my coverage options?
Third-party liability (mandatory in Belgium)
✔ Covers bodily injury and property damage you cause to others
✔ Includes legal defense in liability cases
This is the minimum required to drive in Belgium.
Mini-Omnium (Partial Comprehensive)
Includes third-party liability, plus:
✔ Theft of your car
✔ Fire
✔ Glass damage (windshield, windows)
✔ Natural forces (storm, hail, flood)
✔ Animal collisions
Ideal for newer used cars where full comprehensive may be too expensive.
Full Omnium (Comprehensive)
Includes everything above, plus:
✔ Damage to your own vehicle after an accident
✔ Vandalism
✔ Single-vehicle accidents
✔ At-fault accidents
Recommended for new cars, leased vehicles, or higher-value vehicles.
Additional options
Additional options may include
✔ Legal protection
✔ Roadside assistance
✔ Replacement vehicle
✔ Driver protection coverage
(Exact options depend on your quote and vehicle profile.)
What isn't covered?
Commercial use
Private car insurance does not cover ride-hailing, delivery, or commercial transport.
Wear & tear or mechanical breakdown
Insurance does not cover breakdowns due to age, poor maintenance, or mechanical defects.
Intentional damage
Deliberate acts are excluded.
Driving under the influence
Damage caused while driving under the influence of alcohol or drugs is not covered.
Why Feather?
100,000+ happy customers
Experience peace of mind with insurance crafted by expats, for expats.
22,000+ claims processed
Fast and reliable service to get your money back in days, not months.
4.8 Star rating
Over 2,200 reviews can't be wrong.
English-speaking support
No need for translations—our team speaks your language.
All digital
Sign up, file claims, and manage your policy within your account.
Privacy First
We store your data in Europe; it remains private, secure, and GDPR compliant.
Don't take our word for it
Kind, prompt, and efficient
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Julio
Very transparent and quick
“More importantly, support is very responsive and will reach you at the earliest.”
Masood
Hassle-free insurance
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