Updated September 29, 2026 · AssureCue Editorial Team
Belfius vs Emergency Assist
What sets them apart
| Compare |  Belfius |  Emergency Assist |
|---|---|---|
| Premium from | €8.50 | £19.32 |
| Insurance types | Home, Renters, Auto, Motorcycle, Van, Travel, Pet, Life, Income protection, Home emergency | Breakdown, Van, Motorcycle |
| Provider type | Insurer | Broker |
| Excess from | €325.93 | £0 |
| Claims channels | Mobile app, Belfius direct net, Online form, Phone, Assistance line 24 7 | Phone, Email |
Same on both: Monthly payments (Yes).
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Key differences
- Belfius scores higher overall: 9.3 vs 8.7.
- Founded is lower at Belfius: 1996 vs 2017.
- Insurance types: only Belfius offers Home, Renters, Auto.
- Insurance types: only Emergency Assist offers Breakdown.
- Claims channels: only Belfius offers Mobile app, Belfius direct net, Online form.
- Claims channels: only Emergency Assist offers Email.
- Support channels: only Belfius offers Email, Chat.
Our verdict on each
Belfius
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.
Emergency Assist
Emergency Assist suits drivers, riders and van owners seeking breakdown protection with the option to pay in instalments. Premiums start at £19.32 for cover that stays focused on roadside needs, with claims and support arranged for straightforward help when disruption hits.
Score breakdown
| Area | Belfius | Emergency Assist |
|---|---|---|
| Cost | 8.7The starting premium of €8.50 is close to the site median of €8.37, and the lowest home excess listed is €325.93. | 9.1HigherCost reflects excess of £0 at point of claim. |
| Offer | 9.9Higher | 8.6Offer centres on breakdown, van and motorcycle for roadside needs. |
| Trust | 9.4Higher | 8.5Trust rests on 579333 authorisation. |
Where each is licensed and available
| Country | Belfius | Emergency Assist |
|---|---|---|
| Belgium | Not confirmed | |
| United Kingdom | Not confirmed | Financial Conduct Authority 579333 |
Additional countries for Belfius: 1. Additional countries for Emergency Assist: 1.
What we checked
Belfius
- belfius.be: 10 facts, checked September 26, 2026
- en.wikipedia.org: 1 fact, checked September 26, 2026
Emergency Assist
- emergencyassistltd.co.uk: 11 facts, checked September 29, 2026
How they place
| Ranking | Belfius | Emergency Assist |
|---|---|---|
| Car insurance | 83 of 393 | 32 of 393 |
| Motorbike insurance | 34 of 120 | 16 of 120 |
| Van insurance | 8 of 38 | 4 of 38 |
Every fact side by side
| Fact | Belfius | Emergency Assist |
|---|---|---|
| Pricing model | Monthly | Monthly |
| Legal entity | Belfius Insurance NV | Emergency Assist Ltd |
| Headquarters | Belgium | United Kingdom |
| Founded | 1996Lower | 2017 |
| Support channels | Email, Chat, Phone, Help centreCovers more | Phone, Help centre |
Pros and cons
Belfius
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.
Emergency Assist
Pros
- Premiums start at £19.32 on a monthly basis
- Monthly payments available with support via phone and help centre
- Claims contact through phone and email for direct help
Cons
- Support runs on phone and help centre only
- Claims run through phone and email only
Who each suits
Belfius
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.
Emergency Assist
Who it suits
- Drivers seeking phone based breakdown help
- Van and motorcycle owners wanting monthly terms
- Shoppers comfortable buying through a broker
Who should look elsewhere
- Shoppers wanting Hiscox for a different premium starting at $29.16
- Shoppers wanting andsafe for a different premium starting at €3.63
Current offers
Belfius
Current offer
First period offer
2 months discount on the first year premium of Belfius Home fire insurance for tenants: 2 months off the 1st year premium
New Belfius Home tenant home policy signed between 15 June and 18 October 2026 inclusive, subject to acceptance of the application by Belfius Insurance NV
Source, checked September 26, 2026
Bonus
Media option of the fire insurance refunded in year 1 when combined with a Proximus package: 1st year of the Media option paid back (cashback)
Sign a Belfius Home home policy plus a Beats Flex+ telecom package between 15 June and 18 October 2026 inclusive; see campaign regulations
Source, checked September 26, 2026
First period offer
Under-35 discount on the first year premium of new Belfius Home policies: Exclusive discounts on the first year premium
All new Belfius Home home policies subscribed in a branch or via the Belfius Mobile app or Belfius Direct Net, subject to acceptance of the risk by Belfius Insurance NV
Source, checked September 26, 2026
Country by country
| Country | Belfius | Emergency Assist |
|---|---|---|
| Belgium | Yes | No |
| United Kingdom | No | Yes |
Questions about each
Belfius
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.
Emergency Assist
How much does Emergency Assist breakdown cover cost?+
Premiums start at £19.32 for Saver breakdown cover. The plan is sold on a monthly basis, with Monthly payments available to spread the cost. Exact pricing depends on vehicle and cover selected, so check the quote before purchase.
Is there an excess to pay on a claim?+
The Saver plan carries excess of £0, so there is nothing extra to pay toward an approved claim. That structure keeps callouts simple at the roadside. Always confirm the excess wording in the policy documents before relying on cover.