- Price
- €15.95incl. VAT, 2 pages included
- Delivery time
- 1 to 2 business daysusually, after handover to the post
- Proof
- Delivery confirmation+ tracking and proof of posting
- Handed to the post
- Next working dayposted after your upload
- Counts as
- Domestic registered mailprinted and posted in Belgium
How do you cancel Belgian insurance validly?
The law sets the valid ways to cancel, and a registered letter (aangetekend, recommandé) is one of them. Equally valid are a bailiff's writ, handing over the letter against a receipt, electronic registered delivery, or the insurer's online environment if you sign there electronically. You can also ask your new insurer to cancel for you.
A phone call or an ordinary email is not enough. A registered letter proves the date you cancelled, whatever the insurer's own systems show.
Good to know
- You are covered until the contract ends. A claim that arises before that date stays covered.
- Only cancel compulsory cover, such as car insurance, once the new cover is in place.
- Ask for written confirmation with the end date.
When do you have to cancel?
| Situation | Rule |
|---|---|
| Contract that renews tacitly every year | At least two months before the renewal date |
| Consumer non-life policy, after the first year | At any time, free and without a reason, with two months' notice |
| Switching to a new insurer | The new insurer can cancel for you and keeps cover continuous |
| Example: renewal on 1 March 2027 | Your cancellation must go out by the end of December 2026 |
Consumers can cancel a tacitly renewing non-life policy, such as car or fire insurance, at any time after the first year. Premium paid for the period after the end is refunded.
How to cancel
- Arrange the new policy first, so you are never without cover.
- Write the cancellation with the sample and add your policy number.
- Upload the PDF and choose Belgium. We print it in Belgium and hand it to bpost.
- Keep the proof of posting with the policy until the insurer confirms.
Sample cancellation letter
In English for reference. Belgian insurers work in Dutch or French: the same letter is on the [Dutch page](/nl/belgie/verzekering-opzeggen-aangetekend) and the [French page](/fr/belgique/resilier-assurance-recommande).
[Your name]
[Your address]
[Insurer's name]
[Insurer's address]
[Place], [date]
Subject: cancellation of policy [policy number]
Dear Sir or Madam,
I hereby cancel my [type of insurance], policy number [policy number].
[With effect from the renewal date of [date].] or [The contract has run for more than a year: I cancel with two months' notice.]
Please confirm the end date in writing and refund any premium paid in advance to account [account number].
Yours faithfully,
[Signature]
[Your name]
Frequently asked questions
Must Belgian insurance be cancelled by registered mail?
Registered mail is one of the legal ways. Also valid: a bailiff, handover against a receipt, electronic registered delivery, the online environment with an electronic signature, or your new insurer.
Can I cancel by email?
An ordinary email is not enough. Electronic registered delivery or the customer area with an electronic signature is.
When do I have to cancel?
At least two months before the renewal date. A consumer can cancel a non-life policy at any time after the first year, with two months' notice.
Can my new insurer cancel for me?
Yes. You can ask the new insurer to handle it; it must make sure cover continues without a gap.
Am I still covered after cancelling?
Yes, until the contract ends. A claim that arises before that date stays covered.
Does registered mail prove the contents?
No. It proves posting and delivery. Your proof PDF also holds a fingerprint of your document, so you can show which document you sent.