Yes, this insurance is legally required for every vehicle that drives on public roads.
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Civil liability car insurance
Driving a car? Then third-party car insurance (BA) is legally required in Belgium. But beyond this obligation, this insurance mainly offers peace of mind. You are protected against the financial consequences of damage you cause to others with your vehicle.
What is a civil liability car insurancee?
A third-party car insurance (Civil Liability Auto) is the basic insurance required for any vehicle participating in traffic.
This insurance covers damage you cause with your car to third parties, including both:
- Bodily injury (for example, injuries)
- Material damage (such as damage to another vehicle or property)
What are the benefits?
Covers damage you cause to third parties with your vehicle
Covers both physical and material damage
Covers passengers in your vehicle in the event of an accident
Covers you in Belgium and usually also abroad (green card)
Who is this insurance for?
A third-party car insurance is mandatory for:
- Mandatory for every car, van, or other motorized vehicle
- Individuals as well as companies
Without valid third-party car insurance, your vehicle cannot be registered and you are not allowed to drive.
What is covered and what is not?
What is covered?
- Damage to third parties in an accident where you are at fault
- Personal injury to other road users
- Damage to vehicles, buildings or other property
- Injury to passengers in your vehicle
- Defence of your interests in the event of a claim (limited)
What is not covered?
- Damage to your own vehicle
- Your own personal injuries (unless you have supplementary cover)
- Intentional damage
- Damage caused whilst under the influence of alcohol or drugs
- Damage not covered by the terms of the contract
How much does this insurance cost?
The premium for third-party liability car insurance depends on several factors:
- Your age and driving experience
- Your claims history (bonus-malus)
- The type and power of your vehicle
- Usage (private, professional, number of kilometers)
- Your place of residence
A safe driving style and claim-free history usually result in a lower premium.
"Thanks to your mediation as a broker, my car is as good as new again."
The S. family from Berlaar
Our promise to you
Personal & committed
a tailor-made partner
Everyone has a different life situation, different plans, and different risks. That’s why we first listen to your story. Whether it’s about your home, family, mobility, or financial future, we provide advice tailored to what matters most to you. Together, we help you make informed decisions and build protection that fits your life, today and in the future.
Expertise & experience
already 80 years in insurance
With over 80 years’ experience, we help you make the right choices in an increasingly complex insurance landscape.Our specialists analyse your needs and provide clear, independent advice tailored to your situation. We help you make confident decisions, choose the right protection, and look to the future with greater certainty.
Security & peace of mind
protection for today and tomorrow
We look beyond individual insurance policies and provide cover that evolves alongside your life. As your life changes, we make sure your protection changes with it. If a claim or unexpected event occurs, our specialists support you from start to finish, helping you find the right solution with confidence.
Would you like to receive a quote?
Every driver and every car is different. That’s why personal advice is essential.
Van Dessel helps you with:
- Choosing the right basic coverage
- Adding extra options(such as comprehensive or legal assistance)
- Optimizing price and protection
Request a free quote with no obligation and hit the road with peace of mind.
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