Starting from 1 July 2026 something will change in the taxes on certain insurance policies in Belgium. That may sound complicated, but it is actually quite simple. In this article, we explain step by step what is changing and what this concretely means for you.
What are insurance taxes?
When you take out an insurance policy (for example, for your car, home, or family liability insurance), you pay a premium. This premium consists of two parts:
- an amount for the insurance coverage itself
- and a tax paid to the government → this is called the insurance tax
Similar to the VAT you pay on a purchase in a shop.
What changes from 1 July 2026?
The federal government has decided to increase the insurance tax on non-life insurance policies. te verhogen.
In concrete terms:
- The tax will increase from 9,25% to 9,60%
- This change will take effect on 1 July 2026
This is a government decision. Insurers have no influence over it.
Which insurance policies will be affected?
The increase applies to most standard non-life insurance policies, such as:
- car insurance
- home insurance (property insurance)
- family liability insurance
- and other non-life insurance policies
Important: not all insurance policies are affected (such as certain life insurance policies), but most everyday insurance policies are.
