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Just a Belgium rant ...

45 replies

rushingrachel · 01/02/2012 10:44

I have just been to ING to sort out car insurance for my new car. I had a company car until end Dec so never had my own car insurance. Apparently the fact we rent our house is bad, the fact we've just moved is bad and I am treated like a new driver. What's more the system was not able to cope with the fact I had my driving licence at 17. The computer whizzed away and behold, 1400 euro a year. Is it me or is that absolutely enormous? I have, touch wood, never had an accident and been driving in London then Paris and here in the accident capital of the West for 5 years. Being made redundant is an absolute bummer.

All of this was of course conducted in the best traditions of Belgian customer service. The woman treated me like a complete numbskull. When I suggested an attestation from my company to show I had been insured without incident as a driver on their policy she looked as though I should get real. Every time I asked a question she looked as though I was torturing her and when she disn't know the answers when I was asking her what things in the contract meant she said I could always go elsewhere. Then she rang up the helpline and the guy there didn't know and by this stage she was practically throwing the phone at me. In the end I joke not she told me she didn't want to speak to me anymore, my personal circumstances weren't her problem.

It was actually really unpleasant. I know there's no point getting upset as customer service is an unknown and sinister concept to Belgians. But it never ceases to depress me when things like buying a new car that intrinsically should be pleasant are made so fatiguingly hard and expensive here.

That's it, rant over.

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natation · 01/02/2012 10:55

Go and see that broker in Tervuren who deals with several insurers, the one someone posted on FB. You should get a no claims discount, hubby did without problem. I can't see what moving has anything to do with it, we moved and it made no difference at all.

Hubby has his car insured with Axa whose office is somewhere in Auderghem, the bloke there has always been fine and he speaks English, so you could try there also.

You do have to give 3 months notice to change insurer before renewal, it's a nuisance and a bit of deterrent for changing insurer.

rushingrachel · 01/02/2012 11:55

Ah do you have details? I am not on FB as yet. It's reassuring is not just me being unrealistic about prices. I have a cooling off period of 14 days so if I found another better quote that would be excellent. The whole experience practically had me in tears and that takes quite a bit.

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natation · 01/02/2012 12:05

Not 100% certain but I think it was this insurance broker in Tervuren - can't find the post on FB.

lgay.be/english/

AlpinePony · 01/02/2012 12:13

Yes, go to a broker - ING are way more expensive than anyone else - on the plus side they paid up without fuss. Confused

You can get them to break a contract without 3 months termination notice - all you need to do is bounce a direct debit a couple of times and they cancel it without informing you. You might wonder why they're no longer taking money from your bank and if you phone them they'll say "oh yes we cancelled the policy" and you'll realise you've been driving for a month without insurance! Shock

Bluetinkerbell · 01/02/2012 12:21

I'm so sorry you've been treated like that! Unfortunately it's true, like you said before that customer service is unknown in Belgium. Being Belgian myself and moved to UK in 2010, I cannot believe we haven't done it earlier.
I feel so much more relaxed here by the ease of how things are done and the service you receive!

Insurance policies are a nuisance and very difficult to transfer without having to pay a fine for breaking contracts etc.

?1400 is not too bad, depends on the car really and whether it is omnium insurance or not...

belgo · 01/02/2012 12:21

I don't know anything about car insurance (dh has a company car), but totally agree about getting treated like a 'numbskull'. I got treated like that at a travel agents yesterday, lots of tutting and shaking her head at me, with patronising comments like 'you do know you will need an international passport?' and then came up with options more then twice our budget. It took 45 minutes to get nowhere.

BaronessBomburst · 01/02/2012 14:13

Blimey! And I thought the Dutch were bad at customer service.

rushingrachel · 01/02/2012 15:46

Thank you all for sympathy. Several cups of tea and a call to the broker and it seems there may be hope. Even I'd I find something 10 euro cheaper I would like the satisfaction of sending the undoubtedly necessary registered letter and making clear the reason was because the woman was sooooo rude. Normally ING is nearly my favourite Belgian institution.

Ps baroness it's a Dutch bank so maybe there's something in that.

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rushingrachel · 01/02/2012 15:55

Pps I think 1400 is very bad. It is a Citroen c1, brand new and I do less than 10 k a year. And no breakdown cover included. The excess is 400 too. My trusty micra was insured in London for 350 quid with direct line.

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scaryteacher · 01/02/2012 17:22

Patrick Gay (that bloke in Tervuren) is on Jezus Eiklaan, speaks very good English and has handled our car insurance for 4 years. He is very helpful and nothing is too much trouble.

My Saab was insured fully comp with Norwich Union in UK before we moved here for about £250 pa - old car. Here, I am looking at about 900 euro (and it has leaped up this year) third party only. I have fire and theft with a UK company, can post a link if you want, and it's just over £500 for both cars.

rushingrachel · 01/02/2012 18:34

Can I insure a new Belgian car with a uk insurer at all? I guess not. My trusty micra is still doing the rounds in the uk with my mum at the wheel, insured with saga for just over 200 a year she tells me. I could weep.

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boododdles · 02/02/2012 08:05

I can vouch for Patrick Gay in Tervuren - very good and I used my no claims bonus from the UK.

Portofino · 02/02/2012 08:50

I had no problem with ING at all - I kept my UK no claims - well at least some of it, and my insurance on a new Seat Ibiza 1.4 for under 10k year is about 70 euros per month. It sounds like you got some woman who had no clue what she was doing!

Bluetinkerbell · 02/02/2012 09:07

Like you say compared to UK ?1400 is a lot, but we had omnium insurance on an Opel (Vauxhall) Astra (about 5 years old), for about ?100 a month including breakdown!
Belgium is expensive! Sorry! :(

AlpinePony · 02/02/2012 09:20

I too was able to keep (some) of my no claims with ING (or what was bbl). I was with the branch in woluwe shopping centre who were always above and beyond. They also have an expat service desk - maybe ask on xpats?

The thing which really annoyed me was the no reduction for me living in the oost cantons as opposed to molenbeek.

scaryteacher · 02/02/2012 11:28

What we do now is insure the cars thrid party with legal and breakdown with Patrick gay, and then have the fire and theft cover (which is what bumps it up for us) with a company who specialises in this in UK. As long as we call them before we take the car back to the UK, they will cover us in UK as well. It worked out cheaper than the few grand it would have cost here, even though both cars are 14 years old.

Longtime · 02/02/2012 12:22

RR, I'm amazed you're still here with what you've had to put up with! I had my car insurance through a broker too. ING asked if they could quote but they were too expensive. However, car insurance IS much more expensive here than in the UK. I think it's something to do with the car being insured for any driver rather than just a named driver as in the UK.

Must pop round for that cuddle (with ds2 of course :) ).

rushingrachel · 02/02/2012 18:40

I'm amazed I'm still here too, it's a nasty surprise most mornings! Seems insurance here is just woefully expensive per se. I think the reason must be based on the actuarial assumption as to likelihood of a claim. If the accident rate is very high, which it is because the driving is pretty bad, I guess it makes sense that insurance premiums are higher.

Alpine one of the things they asked me was whether I rented or owned out house. I asked why this was relevant (one of the questions that so outraged the woman) and she said you were more likely to move often if you owned property so less likely to move to Molenbeek. I thought this was total non sequitur. Why just because you move does it necessarily increase the likelihood you will move to Molenbeek?!

Also today the plates turned up at my house rather than the garage when I expressly asked the woman to have it sent to the garage. Totally rubbish.

Longtime I will put a hello magazine and that DVD through your door tomorrow am en route to collect this troublesome new motor! I know you have your class so won't knock but do pop around to see little one some time.

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rushingrachel · 02/02/2012 18:41

Sorry you were more likely to move frequently if you rented not owned ...

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Longtime · 03/02/2012 08:18

They are pretty crap drivers, it has to be said. Lots of crap things really. That said, I can't see me moving back to the UK anytime soon. It would be weird after so long here.

BaronessBomburst · 03/02/2012 09:59

I am in awe of anyone who can actually drive in Belgium! I always insist on swapping when we reach Maastricht and tell DH that he can do the next leg. Grin

Portofino · 03/02/2012 11:04

They are all mad! Why dd doesn't swear like a trooper already, I'll never know. Every morning I seem to have a few choice words for the frankly scary drivers on the E40.

MrsSchadenfreude · 03/02/2012 17:40

Do any of you have that book called Driving in Belgium. There is one line in it that summed up Belgian driving for me, and it concerns Priority to the Right. Grin It says that if you have priority to the right it is of no concern of yours what the person on the main road is doing - you have priority and the right on your side, so you should just pull out. No mention of self preservation or mirror, signal, manoeuvre!

Portofino · 03/02/2012 20:28

It accounts for all the smashed wings I am sure.....

scaryteacher · 03/02/2012 20:28

Can someone explain what the problem is with Molenbeek?