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Third party insurance for motor vehicles

Fleet

All vehicles put into service in Belgium have to be insured. This also applies to the passenger cars, lorries and vans in your fleet.

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Contact: Tom Maes
  • FleetLiability

    L'assureur de protection juridique DAS annonce de nouveaux tarifs.

    La compagnie d'assurance DAS appliquera une augmentation des primes pour les nouveaux contrats à partir du 01.07.2022. En outre, la société annonce...
    03 June 2022
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  • Legal expenses Vehicles

    FleetHuman Capital

    Legal expenses insurance is not compulsory by law. Depending upon the option chosen, insurance for your vehicle fleet covers the reimbursement of the costs and fees of lawyers involved in the legal proceedings initiated because of a traffic accident. The legal expenses will never be followed up with compensation for the physical or material damage you incur.

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    Traffic accidents are always questions of facts about which there is a dispute more often than not. In such cases, legal proceedings are generally in the offing. In order to avoid the additional costs these proceedings would create (on top of any compensation), you are well-advised to take out legal expenses insurance. Legal expenses insurance for your vehicle fleet enables you to identify and defend your rights in the event of a disagreement. A conflict between you and your insurance company as well. When does legal expenses insurance apply? Your legal expenses policy covers all the costs incurred by your legal counsel and the latter's fees, provided this involves proceedings instituted for a traffic accident. The policy is particularly relevant when a liable third party refuses to provide compensation (or is insolvent), or when a dispute arises because of liability. Choose an independent insurer The conflict often occurs between your company and your own car insurance company. When the latter claims you are responsible for an accident and you do not agree, you are recommended to enlist the aid of a completely independent lawyer: someone not paid by your car insurance company.

  • Individual pension commitment (IPC)

    Human Capital

    The legislative authority allows self-employed persons or company managers the opportunity to save for their pensions in a tax-efficient way, amounting to up to 80% of your last income. A PSPSE (private supplementary pension for the self-employed) may be insufficient. That is where an individual pension commitment comes to the rescue.

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    The individual pension commitment system is quite straightforward: your business sets a premium aside every month for your private pension. The premium and the resulting capital enjoy a tax-efficient treatment, so you can build up a very welcome pension savings pot year after year. Advice about making a choice How much you pay every month or year into your IPC and how you reach such a decision are vital questions for the health of you company at the present time and for your personal prosperity upon retirement. ADD will help you choose between: The tax optimisation of your premium (based on your income and your career plans) capital accumulation according to the death grant for heirs Smart extensions for extra security Your IPC is an excellent vehicle for covering other risks. For example, you may include an unfitness for work guarantee in your retirement scheme. And with an additional premium waiver guarantee  you need have no financial worries during this period of unfitness for work.