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Vehicles recording in Belgium

Vehicles recording in Belgium . Advantages and weaknesses of the system in place. Plan of the presentation. Insurance Registration The Belgian Information Center The premium fixing Bureau (BT auto) The detection of uninsured vehicles. In practice. Example: new car 

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Vehicles recording in Belgium

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  1. Vehicles recording in Belgium Advantages and weaknesses of the system in place.

  2. Plan of the presentation • Insurance • Registration • The Belgian Information Center • The premium fixing Bureau (BT auto) • The detection of uninsured vehicles

  3. In practice • Example: new car  • 1. insurance (compulsory for the owner of the vehicle, as soon as the vehicle goes on the public road or on a (private) place that is accessible to the public  contract + green card • 2. registration (a vehicle is allowed for traffic only when it is registered and if it carries the number plate delivered by the competent body) :  certificate of registration + plate

  4. Insurance • The State and some public institutions may be their own insurer • Information requested : personal data of the holder and the driver(s), description of the vehicle, driving licence, previous accidents • For 1 year (renewal of contract with tacit agreement) 

  5. Registration in Belgium Number plates are personal linked to the owner of the car Registration is subordinated to the cover of TPL insurance The competent body delivering plates = DIV, depending upon the Ministry of Mobility and Transport

  6. Registration : exceptions • Mopeds • Trailers of which the maximal authorised mass does not exceed 750 kg • Vehicles used by the Ministry of Defence • Farm or forest trailers (except if used for transport on the account of others) • Vehicles on rails  • …

  7. How to registrate a vehicle ? • pink application form (*) with • details about the owner of the vehicle • a description of the vehicle • the seal of the insurance company (bar code) • the customs clearance label and the VAT label (delivered by the car dealer) • details about the maker/dealer of the vehicle • only for second-hand vehicles: proof of technical check (*)delivered by the firm which delivers the vehicle, or by the insurance company, or by a station of technical check of vehicles, or by the authority itself

  8. Who registers a vehicle ? • The insurance undertaking • The broker • The owner of the vehicle (at the DIV) 50% by the Internet 

  9. Deregistration • When no longer in possession of the vehicle because of theft (certificate from the police), total loss or sale (4 months) • When no longer in possession of the number plate : certificate of involuntary dispossession (delivered by the police)

  10. The Information Center • Insurers: information on TPL contracts transmitted at least once a month (via e-mail, CD-Rom or FTP) • DIV : information on registration transmitted each Monday (on CD-Rom, soon via FTP)

  11. Key of the database = number plate (or chassis number) • Starting point of a search = number plate (or chassis number)  DIV file  vehicle and its owner • Search in the TPL contracts  vehicle and the policy holder

  12. The premium fixing BureauBT AUTO • Why ? • Some people can no longer find a cover on the market (accidents, problems of payment,…) • What ? • Proof of 3 refusals • Application form • Document from the previous insurers about accidents • Result ? • Offer • Conditions (driving ability test) • 1 year contract • Contract managed by an insurance company

  13. Detection of uninsured vehicles • When ? • Requests for identification for which the insurer could not be found out • Terminations of contracts not followed by a new insurance contract • Offers from the « premium fixing » Bureau not followed up by the person who resorted to this Bureau • Vehicle still registered • What ? • Letter to the owner of the car (1 month) If uninsured : vehicle reported to the police If insured : the database is updated

  14. Advantages of the system • Often, owner = policy holder  comparison between file of DIV and insurers’ files is easier • The same body (Guarantee Fund) manages the database (requests for identification, detection of uninsurance, BT auto)  the database is easily and permanently updated; the different activities complement one another

  15. Weaknesses of the system • The number plate is not an essential element for the insurers. • Some vehicles are not registered (e.g.: mopeds, but it is likely to change soon). • If the plate of a vehicle has been de-registered but the vehicle is still used : not found out by our service.

  16. Thank you for your attention

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