Insuring a second-hand car in Belgium

Updated on September 1, 202615 plans compared15 providers

In short

For a used vehicle the trade-off is between the annual premium and the amount the insurer would genuinely pay out. The older the car, the lower that amount, and at some point comprehensive cover stops making arithmetic sense.

Belgian insurers and their cover for used vehicles.
Provider	Plan	Price	Key points	View plan
CBC BanquePartner KBC	RC auto	€335/year	Compulsory third-party liability French-language brand of the KBC group Fully online sign-up	View plan
YuzzuCheapest AXA	RC auto	€270/year	Compulsory third-party liability Direct insurer, no branches Sign up and manage online	View plan
Belfius	RC auto	€281/year	Compulsory third-party liability Sign up online Managed in the Belfius app	View plan
ING	RC auto	€323/year	Compulsory third-party liability Sign up online Integrated with your ING account	View plan
Allianz	RC auto	€335/year	Compulsory third-party liability Network of independent brokers Vehicle assistance optional	View plan
Ethias	RC auto	€340/year	Compulsory third-party liability Belgian public insurer No intermediary	View plan
Fédérale Assurance	RC auto	€354/year	Compulsory third-party liability Mutual company: annual rebate to policyholders Network of advisers across Belgium	View plan
ACM Insurance	RC auto	€393/year	Compulsory third-party liability Subsidiary of Crédit Mutuel Sign up in a Beobank branch	View plan
Baloise	RC auto	€399/year	Compulsory third-party liability Broker network Modular range	View plan
Beobank	RC auto	€417/year	Compulsory third-party liability Distributed through Beobank branches Policy underwritten by ACM Insurance	View plan
Argenta	RC auto	€421/year	Compulsory third-party liability Distributed through Argenta branches Discount with an Argenta account and loan	View plan
AG	RC auto	€486/year	Compulsory third-party liability Belgium's largest insurer Network of brokers and banks	View plan
KBC	Assurance auto KBC	On request	Compulsory third-party liability Quote and sign-up fully online Breakdown assistance optional	View plan
DVV	Assurance auto DVV	On request	Compulsory third-party liability Network of DVV advisers Belfius group	View plan
Aedes	Assurance auto Aedes	On request	Compulsory third-party liability Belgian niche insurer Sign up through a broker	View plan

Prices and features surveyed on January 28, 2026. They may have changed since. Always check the offer on the provider’s website before signing up.

Estimating the compensable value

Belgian omnium contracts define how the payout is calculated: usually the purchase value with a monthly depreciation percentage applied after an initial period during which the value is guaranteed.

That depreciation clause is the whole economics of the product on a used car, and it varies substantially between insurers — the rate, the starting point and whether options and VAT are included.

For a car bought second-hand, check what the declared value is based on: the price you paid, the catalogue value when new, or an expert valuation. The three produce very different payouts.

Which guarantees stay worth buying

Third-party liability is compulsory and never optional. It covers what you do to others, and its cost is unrelated to your car's value.

Legal protection stays worth having whatever the car is worth: it funds the dispute, not the repair, and disputes with the other party's insurer do not become cheaper because your car is old.

Assistance becomes more useful as the vehicle ages, not less. A breakdown is more likely and towing costs the same regardless of what the car is worth.

Before you insure it, check what you bought

The Car-Pass is compulsory on any Belgian second-hand sale and documents the mileage history. An insurer may ask for it after a total-loss claim.

Declare any modifications. An unreported tow bar, LPG conversion or engine modification can reduce or void a payout, and these are common on the used market.

Check whether the vehicle has previously been declared a total loss. That status follows the car in Belgium and several insurers refuse omnium cover on it entirely.

Our verdict

Ask one question before renewing anything: what would you actually pay me if this car were written off tomorrow? Insurers will answer in writing. Set that figure against your annual premium plus franchise, and the decision between omnium and third-party makes itself.

Frequently asked questions

Is omnium worth it on a used car?

Only while the payout would meaningfully exceed the annual premium plus franchise. Ask the insurer in writing what they would pay today; as depreciation builds, that figure falls faster than the premium does.

How is the payout calculated?

Usually from a declared value with a monthly depreciation percentage applied after an initial guaranteed period. The rate, the starting point and whether options and VAT count all vary between Belgian insurers — it is worth comparing.

What value should I declare for a second-hand car?

That depends on the contract: some work from the price you paid, others from the catalogue value when new, others from an expert valuation. The three produce very different payouts, so check which one applies before signing.

Do I have to declare modifications?

Yes. An unreported tow bar, LPG conversion or engine modification can reduce or void a payout, and these are common on the used market. So is a previous total-loss declaration, which follows the car in Belgium.