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Insurance disputes in Belgium, by the numbers

What do people most often disagree with their insurer about, and how do complaints end? Figures compiled from the Insurance Ombudsman's annual reports, ministers' written answers in Parliament and our own customer-voice review, with the source right below each chart.

Where do you struggle most?

Topics of anonymous posts collected from Belgian forums, Reddit and review sites (2013–2026).

Not knowing what to do: 24%Not knowing what to do24%Claim refused: 16%Claim refused16%Contesting a traffic fine: 14%Contesting a traffic fine14%Late payment or reply: 9%Late payment or reply9%Disputing fault: 8%Disputing fault8%Billing and admin: 6%Billing and admin6%Premium increase: 6%Premium increase6%Low settlement offer: 5%Low settlement offer5%Policy cancelled: 5%Policy cancelled5%Dispute with the expert: 2%Dispute with the expert2%
Show table
Not knowing what to do24%
Claim refused16%
Contesting a traffic fine14%
Late payment or reply9%
Disputing fault8%
Billing and admin6%
Premium increase6%
Low settlement offer5%
Policy cancelled5%
Dispute with the expert2%

Source: LAC Insurance customer-voice review. Social media and forum data; not a representative survey.

9,429requests to the Ombudsman (2025)
56%resolved in the consumer's favour (2025)
88 daysaverage handling time (2025)

Requests to the Insurance Ombudsman, 2013–2025

Total requests (all actors).

02,5005,0007,50010,0002013: 4,8174,817132014: 5,0035,003142015: 5,1715,171152016: 5,6045,604162017: 6,1206,120172018: 6,4916,491182019: 6,7266,726192020: 7,6297,629202021: 7,2997,299212022: 7,8727,872222023: 8,3018,301232024: 8,3318,331242025: 9,4299,42925
Show table
YearRequests
20134,817
20145,003
20155,171
20165,604
20176,120
20186,491
20196,726
20207,629
20217,299
20227,872
20238,301
20248,331
20259,429

Source: Ombudsman des Assurances annual reports 2013–2025. ↗

Resolution rate of cases examined on the merits, 2014–2025

Cases resolved in the consumer's favour as a share of closed cases.

40%50%60%70%2014: 52%52%142015: 52%52%152016: 51%51%162017: 51%51%172018: 52%52%182019: 60%60%192020: 63%63%202021: 59%59%212022: 63%63%222023: 59%59%232024: 57%57%242025: 56%56%25
Show table
YearResolution rate
201452%
201552%
201651%
201751%
201852%
201960%
202063%
202159%
202263%
202359%
202457%
202556%

Source: Ombudsman des Assurances annual reports 2013–2025. ↗

Requests by type of insurance, 2025

The eight types of insurance with the most requests.

Traffic / vehicle: 1,697Traffic / vehicle1,697Fire / home: 1,386Fire / home1,386Health: 1,205Health1,205Life: 1,053Life1,053Legal expenses: 1,047Legal expenses1,047All risks: 504All risks504General liability: 362General liability362Assistance: 352Assistance352
Show table
Type of insuranceRequests
Traffic / vehicle1,697
Fire / home1,386
Health1,205
Life1,053
Legal expenses1,047
All risks504
General liability362
Assistance352

Source: Ombudsman des Assurances annual report 2025. ↗

Download the data (CSV)

Market and supervision figures

Official figures from ministers' written answers in Parliament and the FSMA Insurance Commission.

6,919,186compulsory motor liability contracts in force (2024)Chamber written Q&A bulletin QRVA 56 032, p. 136
€342.28average compulsory motor liability premium (2024)QRVA 56 032, p. 136
610,174motor liability claims reported; average payout €2,560.63 (FSMA, 2024)QRVA 56 032, p. 136
331,426people on the insurers' shared risk list (Datassur, 31.12.2024); 123,247 of 2024's new entries were for unpaid premiumsQRVA 56 027, p. 103
7,169proven insurance fraud files; €147.4m prevented or recovered (2024)QRVA 56 048, p. 197
5,841mortgage life insurance files where the Compensation Fund contributed (2023)FSMA Insurance Commission opinion C 2024/6
4,161,173comprehensive (omnium) motor contracts in force; average premium €449.80 (2024)QRVA 56 032, p. 136
385,058motor liability claims according to Assuralia; average payout €4,380 (2024)QRVA 56 032, p. 136
191,629legal-expenses insurance contracts meeting the 2019 Act (2023); about 15% of households have broad legal-expenses coverQRVA 56 006, p. 269
82,997flood damage claims in 2021; 12,057 in 2024 (Assuralia)QRVA 56 027, p. 56
~1,400drought damage claims (2.12.2021–31.12.2023); about 500 were paid, around €3.7m in totalQRVA 56 006, p. 83
€400–800mestimated insurance fraud that goes undetected each yearQRVA 56 048, p. 197
€1,749.8mrevenue from the tax on insurance contracts (2024)QRVA 56 016, p. 195