As part of upcoming budget reforms, the Belgian federal government has announced an adjustment to the tax applied to non-life insurance products.
IMPORTANT
This market-wide measure will take effect as from April 1, 2026 and will have a direct - though limited - impact on the total cost of your AG insurance policies.
A change in taxation, not in your coverage
The tax on non-life insurance premiums, currently 9.25%, will be increased to 9.60%.
It's important to highlight that this change is:
- a decision made by the public authorities
- entirely independent of insurers
- unrelated to the scope or quality of your covers
Your covers, sums insured and policy terms and conditions remain exactly the same.
Which insurance products are affected?
The revised non-life insurance tax rate applies to:
- occupational accident insurance and healthcare insurance
- third-party liability insurance
- motor and fleet insurance
- fire insurance and property damage insurance
Life insurance and savings solutions are not subject to this specific tax, although they may be covered by other tax rules.
What does this mean for you in practice?
As the tax is calculated on the net premium, the increase automatically results in a higher total amount payable, even when the technical premium itself remains unchanged.
Example:
| Net annual premium | €100.000 |
| Tax at 9.25% | €9.250 |
| Tax at 9.60% | €9.600 |
| ➡️ Annual difference: +€350 | |
Questions? We're here to help.
Our teams closely monitor regulatory and tax developments that may affect your AG insurance policies.
We’re here to help you anticipate changes, understand their practical impact and keep your coverage aligned with your needs, handled clearly and transparently.
👉 If you have any questions or would like a personalised analysis, your regular AG contact will be happy to assist you.