Your vehicle must be covered by a minimum mandatory insurance: Civil Liability (CL) coverage. Without this, the vehicle owner is exposed to fines, vehicle confiscation, or even imprisonment.
This coverage only compensates for damages caused to third parties. If the driver of the vehicle is at fault in an accident, it does not apply.
It therefore covers:
This mandatory insurance alone clearly does not sufficiently cover the numerous risks that people and vehicles face on the road: situations where the driver is at fault, theft, vandalism, collisions with animals or rocks, and so on.
In addition, in the event of damage to a vehicle, the impact on a business could be significant, potentially requiring immediate repair or replacement. This also applies to the safety of the employees driving and goods being transported.
By “vehicle” we mean any motorized land vehicle, such as a car, truck, machinery, or similar, that operates on public roads.
“Construction equipment” or “special construction vehicle” refers to any means of transport whose primary function, either in its initial construction or after alterations, is that of a tool. Examples include industrial equipment (diggers, bulldozers, compactors, graders, lifts, etc.), agricultural equipment, harvesters, and tool trailers.
The places where these vehicles are subject to the mandatory Civil Liability auto insurance are:
In addition to CL insurance, the following coverage is available:
Legal Protection insurance allows you to seek assistance from lawyers of your choice, and in the event of a dispute, it covers the costs of attorney fees, expert fees, court, and trial costs if you are liable. This insurance does not cover civil (compensation) or criminal penalties (fines) imposed on you. Typically, this type of coverage is used in cases following a road accident.
"Agricultural or forestry tractor” refers to any motorized, wheeled, or caterpillar vehicle with at least two axles whose function essentially lies in its traction power and which is specially designed to pull, push, carry, or operate tools, machines, or trailers intended for use in farming or forestry.
An agricultural tractor can tow multiple trailers as long as:
The places where these vehicles are required to have mandatory CL auto insurance are:
In addition to CL insurance, the following coverage is available:
Legal protection insurance allows you to seek assistance from lawyers of your choice, and in the event of a dispute, it covers the costs of attorney fees, expert fees, court, and trial costs if you are liable. This insurance does not cover civil (compensation) or criminal penalties (fines) imposed on you. Typically, this type of coverage is used in cases following a road accident.
A truck refers to any motor vehicle designed and built for transporting goods with a maximum authorised mass (MAM) over 3,500 kg.
In addition to the mandatory CL insurance, the following coverage options are available for your truck:
Partial comprehensive covers your vehicle against fire, theft, damage to windows, natural disasters, and animal collisions.
Fully comprehensive additionally covers accidental damage. Insurers also offer separate coverage options: fire-theft, broken glass only, vehicle repatriation, etc.
For trucks equipped with operational equipment, “Machine breakage” insurance can also cover material damage. In the event of a claim, the insurance company compensates the client for repair costs (determined by an auto expert in agreement with the repair shop). In cases of total loss, where the salvage value plus repair costs exceed the pre-accident value of the vehicle, the policyholder is compensated according to the contract terms.
With your “CL Auto” insurance, all your passengers are well covered. However, if you as the driver are also injured in an accident, Driver’s Insurance ensures you’re fully protected, even if you are at fault.
Legal protection insurance allows you to seek assistance from lawyers of your choice, and in the event of a dispute, it covers the costs of attorney fees, expert fees, court, and trial costs if you are liable. This insurance does not cover civil (compensation) or criminal penalties (fines) imposed on you. Typically, this type of coverage is used in cases following a road accident.
Assistance is available 24/7, providing support when you are ill or injured abroad and within Belgium. It also includes roadside assistance and towing if your vehicle breaks down or is involved in an accident.
Commercial vehicles such as vans, ATVs, motorhomes, agricultural tractors, tillers, caravans, and trailers are most often subject to CL insurance.
In addition to this insurance, the following coverage options are available:
In the event of a claim, the insurance company compensates the client for repair costs (determined by an auto expert in agreement with the repair shop). In cases of total loss, where the salvage value plus repair costs exceed the pre-accident value of the vehicle, the policyholder is compensated according to the contract terms.
With your “CL Auto” insurance, all your passengers are well covered. However, if you as the driver are also injured in an accident, Driver's Insurance ensures you’re fully protected, even if you are at fault.
Legal protection insurance allows you to seek assistance from lawyers of your choice, and in the event of a dispute, it covers the costs of attorney fees, expert fees, court, and trial costs if you are liable. This insurance does not cover civil (compensation) or criminal penalties (fines) imposed on you. Typically, this type of coverage is used in cases following a road accident.
Assistance is available 24/7, providing support when you are ill or injured abroad and within Luxembourg. It also includes roadside assistance and towing if your vehicle breaks down or is involved in an accident.
With IBA Partners, you, your staff, and your vehicle are covered all year round.
