It’s a good idea to run a car insurance simulation to get an idea of the prices charged by companies based on the vehicle you own or the car you’re planning to buy.
1. Don’t take the risk of driving without car insurance: it’s mandatory!
Belgian law requires all drivers to take out third-party liability insurance for motor vehicles . Failure to take out this insurance could expose you to serious penalties: you could be fined €6,000 and face up to six months in prison! What is the purpose of third-party liability car insurance? It is essential and mandatory insurance because civil liability coverage will be useful if you cause an accident to a third party. Any material or bodily damage caused to others will then be covered by your insurance company. It is therefore an insurance that protects others .
It’s worth comparing the prices offered by companies for auto liability insurance . You can also benefit from attractive discounts if you combine or bundle several insurance policies.
2. Compare prices… but especially the coverage!
Traffic is a place of danger, so you and your car need to be properly protected . The goal isn’t to pay as little as possible, but to receive the best compensation in the event of a claim while maintaining a competitive price.
All car insurance policies include a number of protections for yourself, your car, and other road users; these protections are called “guarantees.” Depending on your situation (your age, your car, your driver profile), some companies are more attractive than others.
3. Avoid taking unnecessary guarantees
In addition to the Civil Liability guarantee, several other insurance policies are offered by the majority of insurance companies to enable you to drive safely:
Comprehensive car insurance covers damage to your own vehicle. For example: theft, collision with animals, property damage, vandalism, hail, falling trees, etc. Comprehensive insurance is recommended for new vehicles.
Legal protection to support you in the event of a claim so that it is managed as best as possible: lawyers’ fees, legal costs, counter-expertise, etc. This is essential insurance to ensure that your claims are properly managed.
4. Obtain the necessary documents
To purchase car insurance, your broker will ask you to provide some supporting documents . Thanks to the digitalization of our services, you simply have to take a photo of these documents and send them to us by email. No need to scan, print, photocopy, etc.
We advise you to gather together as quickly as possible these various documents necessary for the subscription:
5. Do a simulation with a broker
Don’t be fooled by the prices you might find on certain comparison sites: the total amount of insurance depends on many factors that vary greatly depending on your profile.
Instead, run a simulation with an insurance broker , who will be able to give you a more precise estimate and quickly offer you an insurance contract for your car.
6. Find your new car insurance before your previous contract expires
If your vehicle is already insured and you want to change your insurance company, first check that your previous insurance has been correctly cancelled . Your Yago insurance broker will take care of the cancellation if you take out a new contract.
7. Don’t lie about your previous accidents
Never lie to your broker or insurer about your previous accidents.
If you already had a car, your insurance company will give you a document called a “Certificate of Claims”.
The claims certificate indicates the losses you have caused. Your broker or insurance company can find your claims certificate using the Datasur system . Hiding your claims history will only cause distrust and create a bad relationship with your broker or insurer.
8. Choose to receive your plates by post
If you use an online broker like Yago, you can have your license plates mailed to you. All you need to do is provide your national registration number, which can be found on the back of your ID card. If you use an online broker, your license plates will arrive within 48 hours
9. Find out about the claims processing time
Customer service should be a priority for your insurance company. Your broker will be able to better inform you about the quality of insurance companies and will help you move your case forward with them.
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