No. The third-party liability car insurance only covers damage to third parties, notyour own injuries as the driver.
Solutions
Driver's insurance
An accident can happen in an instant. But did you know that a standard third-party car insurance does not cover your own injuries as a driver? With a driver's insurance, you protect yourself against the financial consequences of an accident, even if you are at fault yourself.
What is a driver's liability insurance?
A driver’s insurance is an additional policy to your car insurance that covers your own bodily injury as the driver of a vehicle.
While the third-party liability (BA) car insurance only covers damage to third parties, this policy ensures that you are also protected in the event of:
- An at-fault accident
- An accident without an opposing party
- An accident where liability is unclear
The insurance covers medical expenses, loss of income, permanent disability, and death.
What are the benefits?
Covers your own bodily injuries as a driver.
Covers medical expenses after an accident.
Covers loss of income in case of incapacity for work.
Covers compensation in case of permanent disability or death.
Who is this insurance for?
A driver's insurance is relevant for:
- Anyone who drives a car regularly
- Commuters and frequent drivers
- Self-employed individuals who rely on their income
- Families who want extra protection in case of accidents
Especially if you are often on the road, this insurance is more than just a luxury.
What is covered and what is not?
What is covered?
- Medical expenses following a road traffic accident
- Temporary incapacity for work
- Permanent disability
- Death (compensation for surviving relatives)
- Rehabilitation and recovery costs
What is not covered?
- Accidents caused by the influence of alcohol or drugs
- Intentional damage or reckless behaviour
- Damage not covered by the terms of the contract
- Unreported risks or uses
How much does this insurance cost?
The premium of a driver's insurance depends on:
- Your age and profile
- Your driving behaviour and claims history
- The type of vehicle you drive
- The chosen coverages and insured amounts
The cost usually remains limited, especially compared to the potential financial impact of a serious accident.
"Thank you for the prompt and correct handling of my damage claim."
Family V. from Ranst
Our promise to you
Personal & committed
a tailor-made partner
Everyone has different circumstances, plans and priorities. That's why we start by listening to your story. Whether it's your home, family, mobility or financial future, we provide advice tailored to what matters most to you.
Expertise & experience
already 80 years in insurance
With more than 80 years of experience, we help you make the right choices in an increasingly complex insurance market. Our specialists analyse your needs and provide clear, independent advice, so you can look ahead with confidence.
Security & peace of mind
protection for today and tomorrow
We look beyond individual insurance policies and provide protection that evolves with your life. If the unexpected happens, you can count on a trusted partner to guide you from claim to solution.
Would you like to receive a quote?
Do you want to be sure that you are well protected in traffic yourself?
Van Dessel helps you:
- Choose the right coverage
- Tailor the insured amounts to your situation
- Optimallysupplement your car insurance
Request free advice or a quote and hit the road with peace of mind.
Insights for individuals
16 April 2026
2 min.
9 + 1 tips for completing an accident report form
An accident never happens at a convenient time. It often occurs unexpectedly and requires quick…
11 June 2025
2 min.
New procedure for cancelling license plates: from August 1st, the DIV will…
From 1 August 2025, the way in which license plates are deregistered in Belgium will change. From…
06 June 2025
2 min.
What changes in compensation for personal injury cases?
When an incident results in physical injury, the Indicative Table serves as a crucial guide for…
24 October 2024
3 min.
Well insured on the way to school
More than a million children head to school every day. This leads to considerable traffic…
Need help? Contact us.
Didn't find the answer to your question or would you like to discuss your situation with a specialist? Our colleagues are happy to assist you.
Prefer faster help? Check out our frequently asked questions.
Our experts
