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Certificate and certificate of insurance

Verified 28 June 2019 - Directorate for Legal and Administrative Information (Prime Minister)

All motor land vehicles must be insured with, at least, the civil liability guarantee. An insurer shall issue to the owner of a vehicle which undertakes a contract a certificate of insurance and a certificate of insurance. The certificate of insurance must be affixed visibly to the vehicle, while the certificate of insurance must be capable of being presented to the police in the event of a check. It exists since the 1to January 2019 a file of insured vehicles.

It constitutes a presumption of insurance (without however being an absolute proof of guarantee) and can be consulted by the police or the gendarmerie during a road check.

It must be displayed in such a way that it can also be consulted in the absence of the driver on the following vehicles:

  • a motor vehicle with 2 or 3 wheels, registered or not (e.g. motorcycle or scooter, including less than 50 cm1),
  • or special vehicle or a utility, less than 3.5 tons.

Failure to affix an insurance certificate or to affix an invalid certificate shall be punishable by a fine of €35..

Where to affix the certificate?

  • For a 2 or 3 wheel: at the front, near the front fork of the vehicle (e.g. on the front mudguard).
  • For a car or utility: at the bottom right of the windscreen (inside the vehicle).

Various display systems are possible: transparent cover, self-adhesive plastic film, ...

The certificate must always be displayed, even if the vehicle is parked or stored. The front shall always be visible from the outside of the vehicle.

FYI  

it is not mandatory to affix the insurance certificate to trailers.

Certificate Entries

It shall include the following information:

  • Name of insurer
  • Subscriber Number
  • Vehicle registration (or engine number if not subject to registration)
  • Effective start and end dates.

It constitutes a presumption of insurance (without however being an absolute proof of guarantee) and must be able to be presented to the police or gendarmerie authorities during a road check.

Failure by the driver of a vehicle not subject to the obligation to affix the insurance certificate to the certificate of insurance shall be punishable by a fine of €35..

In addition, if the driver has not been able to present an insurance certificate during a road test, he must go to the 5 days at the police or gendarmerie with the valid document. Failure to present the insurance certificate in the 5 days is punished by a fine of €135..

Statement of attestation

It shall contain, in addition to the particulars of the certificate:

  • the address of the insurer,
  • the name, given names and address of the subscriber.

Your contract will renew

If you already have a contract, the documents are delivered to you

  • or on the occasion of a usual deadline,
  • by a special consignment.

If your insurer has not sent you these documents in one of these frameworks, you can send a formal notice of sending the certificate and the certificate, by registered mail with acknowledgement of receipt.

If he still does not respond to your request, you can then contact the mediator of your insurance company by mail. You will find his details in the booklet of the general conditions of your contract.

Referring to the Insurance Ombudsman

You have a new contract

If you subscribe to a new contract, your insurer issues you a provisional certificate and certificate.

It sends you the final documents within 15 days.

If your insurer has not sent you these documents within this period, you can send a formal notice of sending the certificate and the certificate, by registered mail with acknowledgement of receipt.

If he still does not respond to your request, you can then contact the mediator of your insurance company by mail. You will find his details in the booklet of the general conditions of your contract.

Referring to the Insurance Ombudsman

In case of loss or theft of the certificate or certificate, you must urgently report it to the police in order to obtain a receipt that will allow you to circulate legally while waiting for the issue of a duplicate.

You must then report the loss to your insurer and ask them to issue you a duplicate of the lost document.

If your insurer has not sent you these documents within 15 days, you can send a notice of sending a duplicate of the certificate and the certificate, by registered mail with acknowledgement of receipt.

If he still does not respond to your request, you can then contact the mediator of your insurance company by mail. You will find his details in the booklet of the general conditions of your contract.

Referring to the Insurance Ombudsman

This is a file containing information on all vehicles for which an automobile insurance contract has been concluded.

In particular, it enables law enforcement to identify drivers who do not have an insurance contract more quickly during checks.

FYI  

the insurer of a driver who is found responsible for the occurrence of an accident may not refuse to compensate the victim on grounds relating to the validity of the contract. He must compensate the victim before turning against the person responsible for the accident.