On 20 April 2026, the Belgian legislator adopted, through an omnibus law, the entry into force of the removal of Article 23 of the Act of 21 November 1989 on compulsory motor third-party liability insurance.<\/p>\n\n\n\n
Until now, this provision required drivers to carry an insurance certificate in their vehicle. Its removal will enter into force on 30 June 2027.<\/p>\n\n\n\n
From that date onwards, the paper insurance certificate will no longer be mandatory. Verification of insurance cover will instead rely on the POI (Proof of Insurance) system, a centralised register enabling competent authorities to verify in real time whether a vehicle is validly insured.<\/p>\n\n\n\n
This reform forms part of a broader trend towards digitalisation within the insurance sector and the modernisation of data exchanges. Its objective is to improve the reliability, accuracy and accessibility of vehicle insurance information while reducing the administrative burden associated with paper documentation.<\/p>\n\n\n\n
At the same time, it will require increased discipline from all market participants. In an environment where insurance coverage can be verified in real time, recorded information will need to be accurate, consistent and updated without delay.<\/p>\n\n\n\n
Data quality therefore becomes a key success factor. This focus concerns not only all new registrations and amendments entered into the system from the implementation of POI onwards, but also a gradual exercise to regularise and update existing data. The objective is to ensure that information held across the various databases reflects exactly the operational reality.<\/p>\n\n\n\n
This will require increasingly reliable, rapid and seamless exchanges of information between insurance undertakings, intermediaries and the various databases involved.<\/p>\n\n\n\n
In this context, the VeriFleet project, which is intended to progressively replace the VeriDass system, has been launched to provide a more comprehensive and better-adapted solution for fleet management. The initiative aims to strengthen data quality and timeliness while taking account of the operational realities specific to this market segment.<\/p>\n\n\n\n
Aware of the operational, technical and organisational impact of this development, Becobra is currently consulting with Assuralia, Portima and other relevant stakeholders to identify the practical challenges and needs of the sector.<\/p>\n\n\n\n
We will revert to our members as soon as possible with an initiative that may help support this transition. In the meantime, please do not hesitate to share any questions, concerns or specific needs you may have.<\/p>\n","protected":false},"excerpt":{"rendered":"
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