Belfius review
Updated September 28, 2026 · AssureCue Editorial Team · Facts checked September 26, 2026
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Our verdict
Belfius is a Belgian insurer writing home, pet, vehicle and life cover itself, with a lowest premium of €8.50. It suits households that want one provider and monthly terms; anyone who needs health cover alongside these should weigh Good Sam Insurance Agency instead.
Key facts
- Best for
- One Belgian insurer for household policies, paid monthly rather than in one payment.
- Premium from
- €8.50 (Source, checked September 26, 2026)
- Insurance types
- Home, Renters, Auto, Motorcycle, Van, Travel, Pet, Life, Income-protection, Home-emergency (Source, checked September 26, 2026)
- Provider type
- Insurer (Source, checked September 26, 2026)
- Monthly payments
- Yes (Source, checked September 26, 2026)
- Excess from
- €325.93 (Source, checked September 26, 2026)
- Claims channels
- Mobile-app, Belfius-direct-net, Online-form, Phone, Assistance-line-24-7 (Source, checked September 26, 2026)
- Legal entity
- Belfius Insurance NV (Source, checked September 26, 2026)
- Headquarters
- Belgium (Source, checked September 26, 2026)
- Founded
- 1996 (Source, checked September 26, 2026)
- Support channels
- Email, Chat, Phone, Help-centre (Source, checked September 26, 2026)
- Pricing model
- Monthly
- Official website
- belfius.be
Pros and cons
Pros
- One insurer writes home, renters and auto, so several household policies sit with a single provider.
- Claims can be opened through mobile app, belfius direct net and online form, from a mobile app to phone and an assistance line.
- The underwriting company, Belfius Insurance NV, has traded since 1996.
Cons
- Support runs on email, chat and phone only, with no counter service in the list.
- Health cover does not appear in home, renters and auto, where Good Sam Insurance Agency lists it.
- Cost pulls the overall score down to 2.8, and the cost part reads 2.8.
Who it suits
- Belgian households wanting home, renters, vehicle and pet policies from one insurer, given home, renters and auto.
- Pet owners and renters who would rather pay a monthly premium than settle it in one go.
Who should look elsewhere
- Households that need health cover: Good Sam Insurance Agency lists it and home, renters and auto does not.
- Buyers chasing the lowest entry price, since bunq quotes €0 against €8.50.
- Readers who want a non-euro quote alongside this one, where Euroasia Insurance starts at UZS 60,000.
How your money is protected
Belfius is an insurer rather than a broker, so the cover is written and paid by the same company the customer contracts with. It is licensed in Belgium by the National Bank of Belgium under 0037. Premiums and claims both sit with that licensed insurer for the life of the policy, which keeps the counterparty a single name in Belgium.
The company behind it
The insurer behind the policies is Belfius Insurance NV, headquartered in Belgium and founded in 1996. Customer help runs on email, chat and phone, which keeps most conversations remote rather than branch-based. The company operates under its National Bank of Belgium licence, 0037, so the name on the premium is the name that pays the claim.
How Belfius compares
9.3 vs 9.4
9.3 vs 9.4
9.3 vs 9.4
9.3 vs 9.4
9.3 vs 8.8
9.3 vs 8.7
9.3 vs 9.0
9.3 vs 9.4
9.3 vs 9.3
9.3 vs 8.9
9.3 vs 8.9
9.3 vs 8.9
9.3 vs 9.3
9.3 vs 8.6- 9.3 vs 9.3
9.3 vs 9.3Max Life Insurance
9.3 vs 9.3
9.3 vs 9.3
9.3 vs 9.3
9.3 vs 9.2
9.3 vs 9.2
9.3 vs 9.2
9.3 vs 9.2
9.3 vs 9.2
9.3 vs 9.2
9.3 vs 9.1
9.3 vs 9.1
9.3 vs 8.9
9.3 vs 8.9
9.3 vs 8.8
9.3 vs 8.8
9.3 vs 8.6- 9.3 vs 8.4
- 9.3 vs 8.2
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e-Insure Taiwan
Bao Minh
AXA BE
Where Belfius is available
- Available
- Belgium
- Licence in Belgium
- National Bank of Belgium (0037), checked September 26, 2026
Countries from the brand (Source, checked September 26, 2026)
Frequently asked questions
What does Belfius cover cost to start?+
The lowest premium quoted is €8.50, which places Belfius at 128 of 252 on starting price across the brands tracked here. The median starting premium is €8.37, so the entry point sits near the middle of the market rather than the floor.
Can I pay monthly instead of settling the premium in one go?+
Yes. Monthly payments are available, and monthly lists monthly as the only model, so a home or pet premium is spread across the year. The trade-off is that the whole policy is paid over time rather than settled in a single payment.
What kinds of policy can I buy from Belfius?+
The retail book runs across home, renters and auto. Home and renters cover sit alongside auto, motorcycle and van policies, plus travel, pet, life, income protection and home emergency cover, so one household can hold several policies with a single provider.
Who supervises Belfius as an insurer?+
Belfius writes the cover itself rather than placing it with another insurer, and it is licensed in Belgium by the National Bank of Belgium under 0037. That licence ties supervision to the same legal entity that issues the policy and pays the claim.
How do I report a claim?+
Claims can be started through mobile app, belfius direct net and online form. A mobile app, the belfius direct network, an online form and phone lines all take reports, and a separate assistance line is listed for urgent cases, so a claim can be opened without visiting an office.
How do I get help with a policy?+
Support runs on email, chat and phone. Email, chat, phone and a help centre are all listed, so a policy question can be put in writing or handled in a live conversation. The list is remote only, with no counter service in it, which suits customers comfortable managing policies online.
Is there an excess to pay on home cover?+
The lowest excess listed for home cover is €325.93. The excess is the part of a claim a policyholder pays first, and the insurer settles only what sits above it, so a smaller excess lowers the cash a customer has to find after a loss.
Which company issues the policy I hold?+
Policies are issued by Belfius Insurance NV, based in Belgium and founded in 1996. A single named legal entity means the contract, the premium and the claim all sit with the same company rather than a panel of underwriters, which simplifies a complaint.
Sources
- en.wikipedia.org/wiki/Belfius checked September 26, 2026
Backs: Founded
“Founded 1996”
- belfius.be/retail/nl/producten/verzekeringen/schade/index... checked September 26, 2026
Backs: Claims channels
- belfius.be/site/retail/nl/producten/verzekeringen checked September 26, 2026
Backs: Insurance types
- belfius.be/site/retail/nl/producten/verzekeringen/huisdieren checked September 26, 2026
Backs: Provider type, Pricing model, Monthly payments, Premium from, Support channels
“Uw prijs: vanaf 8,5/maand (100/jaar)”
- belfius.be/site/retail/nl/producten/verzekeringen/woning/... checked September 26, 2026
Backs: Excess from, Headquarters, Legal entity, Licences
“Belfius Insurance NV, Karel Rogierplein 11 - 1210 Brussel, Belgie”
Compiled from 5 source pages, checked September 26, 2026. We did not open an account.
Belfius
One Belgian insurer for household policies, paid monthly rather than in one payment.