Updated September 28, 2026 · AssureCue Editorial Team
Belfius vs Gigasure
What sets them apart
| Compare |  Belfius |  Gigasure |
|---|---|---|
| Premium from | €8.50 | £36.35 |
| Insurance types | Home, Renters, Auto, Motorcycle, Van, Travel, Pet, Life, Income protection, Home emergencyCovers more | Travel, Van |
| Provider type | Insurer | Broker |
| Excess from | €325.93 | £0 to £10,000 |
| Claims channels | Mobile app, Belfius direct net, Online form, Phone, Assistance line 24 7 | App, Website |
| Monthly payments | Yes | Not confirmed |
| Cover limit | Not confirmed | Medical expenses trips abroad: GBP 10,000,000 (Core) to GBP 20,000,000 (Max) |
| Age range | Not confirmed | 18-75 single trip, 18-70 annual multi-trip |
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Key differences
- Belfius scores higher overall: 9.3 vs 8.9.
- Insurance types: only Belfius offers Home, Renters, Auto.
- Claims channels: only Belfius offers Mobile app, Belfius direct net, Online form.
- Claims channels: only Gigasure offers App, Website.
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.
Gigasure
Gigasure suits people in the UK who want travel or van cover alone rather than a full personal lines policy, and car hire excess cover starts at £36.35. It is a broker registered with the Financial Conduct Authority, so the selling firm is named, regulated and checkable.
Score breakdown
| Area | Belfius | Gigasure |
|---|---|---|
| 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. | 9.0HigherEntry price of £36.35 for car hire excess sits above the site median, which stands at €8.37. |
| Offer | 9.9Higher | 9.0 |
| Trust | 9.4Higher | 8.8 |
How they place
| Ranking | Belfius | Gigasure |
|---|---|---|
| Car insurance | 83 of 393 | 21 of 393 |
| Travel insurance | 92 of 291 | 31 of 291 |
| Van insurance | 8 of 38 | 3 of 38 |
Licences and countries
| Country | Belfius | Gigasure |
|---|---|---|
| Belgium | Not confirmed | |
| United Kingdom | Not confirmed |
Additional countries for Belfius: 1. Additional countries for Gigasure: 1.
What we checked
Belfius
- belfius.be: 10 facts, checked September 26, 2026
- en.wikipedia.org: 1 fact, checked September 26, 2026
Gigasure
- gigasure.com: 11 facts, checked September 26, 2026
Every fact side by side
| Fact | Belfius | Gigasure |
|---|---|---|
| Audience | Not confirmed | Seniors |
| Pricing model | Monthly | Not confirmed |
| Legal entity | Belfius Insurance NV | Gigasure Services Limited |
| Headquarters | Belgium | United Kingdom |
| Founded | 1996 | Not confirmed |
| Support channels | Email, Chat, Phone, Help centre | Email, Chat, 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.
Gigasure
Pros
- Excess on car hire excess cover runs £0 to £10,000, so a traveller chooses how much of the rental charge to carry instead of accepting a fixed figure.
- Claims are filed through the app and website and support runs on email, chat and phone, giving policyholders live and written routes inside the same provider.
- The FCA registration 1005421 sits on a broker, so the firm taking the instruction is named and checkable by the customer.
Cons
- The catalogue is travel and van, so anyone wanting home, motor or life in the same place has to move to another provider.
- On entry price Gigasure ranks 199 of 252 across the site, so the starting figure sits high in a list sorted from the lowest premium.
- The 5.1 overall score is a middling one, and its 5.1 cost part is the same, so the price case is the part that needs arguing.
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.
Gigasure
Who it suits
- Travellers inside the 18-75 single trip, 18-70 annual multi-trip bands, whether they are booking a single trip or an annual multi-trip policy.
- Anyone taking a car hire excess policy who wants the excess set themselves, with options running £0 to £10,000.
- Van owners who want travel and van held by the same broker, given the range is travel and van.
Who should look elsewhere
- Shoppers after auto, home or pet in the same place: Good Sam Insurance Agency lists auto, home and renters.
- Readers comparing a UK budget with another market: EuroAsia Insurance is priced at UZS 60,000 in Uzbek soum, which does not line up with a UK travel or van figure.
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 | Gigasure |
|---|---|---|
| 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.
Gigasure
What does Gigasure actually sell?+
Gigasure is a focused personal lines broker and its range is travel and van, travel and van, with nothing else sitting alongside them. A shopper after a full household bundle is looking at a different kind of provider. Both lines sit inside the same brand, which keeps quoting and claims in the same place.
How much does car hire excess insurance cost?+
The entry figure is £36.35 for car hire excess cover, and the excess a traveller accepts on that policy runs £0 to £10,000. How much of the rental company's charge you agree to carry is the decision behind the quote, so £36.35 reads as the floor of the price rather than a typical bill.