Which vehicles are subject to an insurance obligation?
Principle
You can drive with a motor vehicle on public roads, on land open to the public and on land that is not public but open to a certain number of people who have the right to use it - only with valid civil liability insurance (article 2 of the law of 21 November 1989). In other words, it is mandatory to take out civil liability car insurance.
Definition of "motor vehicles"
"Motor vehicles" are (translation) "vehicles intended to travel on the ground and which can be operated by mechanical force, ...". (Article 1 of the law of 21 November 1989).
The term "mechanical force" refers to both energy produced by an engine and energy produced by other mechanical means. However, it does not refer to muscular force.
The insurance obligation, therefore, extends to any means of transport that drives autonomously if you travel on the public highway, on land open to the public or to a certain number of people.
Exceptions
You do not need to take out civil liability car insurance for motor vehicles whose mechanical force does not exceed 25 km/h except for class A mopeds. Liability for motor vehicles with an autonomous speed of up to 25 km/h can be covered by civil liability family insurance / private life insurance.
Always take out compulsory civil liability insurance for your vehicle!
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Summary table |
Insurance
Motor vehicle
Moped class A
Mechanical force ≤ 25km/h except moped class A
Mechanical force ≥ 25km/h
Civil liability car mandatory
x
x
Civil liability family recommended
x
Risks in the event of non-insurance for civil liability car
Disputes and Complaints