In Belgium, third-party liability car insurance is mandatory for any vehicle driven on public roads. But between basic liability cover, mini-omnium and full omnium, the differences in price and protection are significant. LC Credins, a digital broker based in Antwerpen, helps you choose the formula that fits your vehicle, your driver profile and your budget.
We work with several Belgian insurers to find a competitive premium while keeping solid coverage in case of an accident, theft or broken glass.
What this solution covers
- Third-party liability car insurance (mandatory): damage caused to others
- Mini-omnium: theft, fire, broken glass, natural disasters, collision with an animal
- Full omnium: damage to your own vehicle, even if you are at fault
- Driver protection: cover for your own bodily injuries
- Legal protection: defence of your interests after an accident
- Roadside assistance in Belgium and abroad, replacement vehicle
Who is it for?
Our offer is aimed at private individuals, young drivers, experienced drivers with a good no-claims record, families with several vehicles, and self-employed people who use their car for work. We also handle more difficult files, for example after several claims.
How we compare offers
As an independent digital broker, LC Credins is not tied to any insurer. For your car insurance, we put several offers side by side and compare them on objective criteria: scope of cover, insured amounts, deductibles, exclusions, waiting periods, claim-handling quality and total cost over time. You receive a simple, jargon-free summary with our reasoned recommendation. Our goal is twofold: to save you time and to help you achieve a real saving, without sacrificing the quality of your cover.
The process, step by step
1. Your request online
You fill in our quote form in a few minutes and attach your ID card, your driving licence, the vehicle registration certificate, your current contract and your claims history statement. No appointment is needed: everything is done online, at your own pace.
2. Analysis of your situation
An LC Credins advisor reviews your file, checks your actual needs, and contacts you if any information is missing. We only propose what is genuinely useful to you.
3. Comparing the offers
We approach several partner insurers and institutions, then compare cover, deductibles, exclusions and total cost — not just the advertised premium.
4. Signing and follow-up
You receive a clear recommendation, usually within 24 business hours. After signing, we remain your single point of contact for changes and claims.
Frequently asked questions
What is a claims history statement?
It is a document issued by your current insurer listing your claims history over the past five years. It is essential for setting a fair premium, and you can request it free of charge from your insurer.
Can I switch car insurance at any time?
Yes, at the annual renewal date of your contract, respecting the legal notice period. We check the renewal date and notice period for you and handle the cancellation formalities.
Is omnium cover useful for a second-hand car?
For a vehicle older than five or six years, a mini-omnium often offers the best value for money. We calculate with you whether full omnium cover is still worthwhile compared with your car’s value.
How long does it take to receive a quote?
Once your file is complete, you usually receive a compared proposal within 24 business hours.
Do you insure young drivers?
Yes. We specifically search for insurers offering acceptable terms for drivers under 26 or those who recently obtained their licence.
Ready to save?
Free, no-obligation quote, reply within 24 business hours.