{"id":469,"date":"2026-07-21T20:40:57","date_gmt":"2026-07-21T18:40:57","guid":{"rendered":"https:\/\/avesta.be\/?post_type=actualites&p=469"},"modified":"2026-07-21T20:40:58","modified_gmt":"2026-07-21T18:40:58","slug":"taxe-sur-les-assurances-non-vie-en-belgique-augmentation-au-1er-juillet-2026-925-a-960","status":"publish","type":"actualites","link":"https:\/\/avesta.be\/en\/actualites\/taxe-sur-les-assurances-non-vie-en-belgique-augmentation-au-1er-juillet-2026-925-a-960\/","title":{"rendered":"Tax on non-life insurance in Belgium: increase effective July 1, 2026 (from 9.25 % to 9.60 %)"},"content":{"rendered":"

Effective July 1, 2026, the tax on non-life insurance in Belgium will increase from 9.25 % to 9.60 %.<\/strong> Adopted as part of the new tax law, this 0.35 % increase applies not only to most everyday insurance policies (auto, home, liability), but as well as all transactions and fees related to these contracts<\/strong> (including management fees).<\/p>\n\n\n\n

Here's everything you need to know about the scope of application, the effective date, and the impact on your insurance premiums.<\/p>\n\n\n\n

In Summary: Key Points of the 2026 Tax Increase<\/h2>\n\n\n\n
    \n
  • New rate:<\/strong> 9.60 % (compared with 9.25 % previously).<\/li>\n\n\n\n
  • Effective Date:<\/strong> July 1, 2026.<\/li>\n\n\n\n
  • Scope:<\/strong> Non-life insurance premiums and related transactions (fees, management expenses, amendments)<\/strong>.<\/li>\n\n\n\n
  • Golden Rule:<\/strong> The application depends entirely on the due date<\/strong> from the premium or the invoice.<\/li>\n<\/ul>\n\n\n\n

    Which transactions and insurance policies are subject to the 9.60 % rate?<\/h2>\n\n\n\n

    The increase applies to most so-called \u00abnon-life\u00bb insurance policies (covering property, liability, or risks), as well as to ancillary services related to the management of these policies.<\/p>\n\n\n\n

    Affected contracts and fees (increase to 9.60 %)<\/h3>\n\n\n\n
      \n
    • Car & Motorcycle Insurance<\/strong> (excluding any existing specific taxes).<\/li>\n\n\n\n
    • Fire and Home Insurance<\/strong> (landlord and tenant).<\/li>\n\n\n\n
    • Liability Insurance (Personal Liability, Professional Liability)<\/strong>.<\/li>\n\n\n\n
    • Legal Protection Insurance<\/strong>.<\/li>\n\n\n\n
    • Accident Insurance<\/strong>.<\/li>\n\n\n\n
    • Management Fees and Expenses:<\/strong> All transactions related to non-life insurance contracts (application fees, brokerage or management fees, and endorsements) are subject to the same tax increase.<\/li>\n<\/ul>\n\n\n\n

      Exempt Contracts (rate unchanged)<\/h3>\n\n\n\n

      Certain insurance sectors are not affected by this increase and will retain their current tax regime:<\/p>\n\n\n\n

        \n
      • Life and Death Insurance (Class 21, Class 23).<\/li>\n\n\n\n
      • Workers' Compensation Insurance.<\/li>\n\n\n\n
      • Credit Insurance.<\/li>\n\n\n\n
      • Marine, inland waterway, and transportation insurance.<\/li>\n<\/ul>\n\n\n\n

        When will the price increase be reflected on your bill?<\/h2>\n\n\n\n

        The application of the 9.60 % rate depends solely on the due date<\/strong> of the premium or related charges (the date on which payment becomes legally due).<\/p>\n\n\n\n

        Location \/ Contract Type<\/strong><\/td>When does the 9.60 % tax apply?<\/strong><\/td><\/tr><\/thead>
        Monthly Payments & Recurring Fees<\/strong><\/td>Effective with the monthly payment or invoice due on or after July 1, 2026.<\/td><\/tr>
        Annual bonus (paid before July)<\/strong><\/td>At the next annual renewal (in 2027).<\/td><\/tr>
        Adjustment premiums & related fees<\/strong><\/td>Effective as of the date the statement is issued, even if the statement covers a prior period.<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n
        \n

        Administrative note:<\/strong> The SPF Finance's IT systems have been updated to automatically apply this new rate starting in July 2026.<\/p>\n<\/blockquote>\n\n\n\n

        What is the financial impact on policyholders and businesses?<\/h2>\n\n\n\n

        The impact remains moderate but affects several expense categories:<\/p>\n\n\n\n

          \n
        1. Individuals:<\/strong> A slight increase in the total fee, including premiums and any administrative or billing fees.<\/li>\n\n\n\n
        2. Businesses & Self-Employed Individuals:<\/strong> In addition to the premiums that need to be adjusted in the budgets, the management fees<\/strong> Fees charged by insurance intermediaries on non-life insurance policies will also be subject to this 0.35 % tax increase.<\/li>\n<\/ol>\n\n\n\n

          Another Tax Measure: Impact on Branch 23<\/h2>\n\n\n\n

          The same law provides for an increase in the tax on securities accounts, which rises from 0.15 % to 0.30 %<\/strong>. This could indirectly affect savers who have invested in Branch 23 insurance policies<\/strong>, with the tax being deducted from the underlying securities account held by the insurer.<\/p>\n\n\n\n

          FAQ: Your Questions About the 2026 Insurance Tax in Belgium<\/h2>\n\n\n\n

          Can I cancel my insurance because of this rate increase?<\/h3>\n\n\n\n

          No. Since this is a tax increase imposed by the Belgian government and not a rate increase decided independently by the insurer, it does not entitle you to cancel your policy without incurring a fee.<\/p>\n\n\n\n

          How does AVESTA help you optimize your insurance costs?<\/h3>\n\n\n\n

          True to his promise \"We take care of your business\"<\/em>, AVESTA Insurance & Risk Solutions<\/strong> offers you its 360\u00b0 approach:<\/p>\n\n\n\n

            \n
          • A comprehensive review of your insurance policies to eliminate duplicate coverage and overinsurance.<\/li>\n\n\n\n
          • Restructuring of deductibles and coverage levels.<\/li>\n\n\n\n
          • Proactive renegotiation of terms with insurance companies.<\/li>\n<\/ul>\n\n\n\n

            Need to optimize your insurance coverage?<\/h2>\n\n\n\n

            To review your policies, analyze the impact of these new rates on your budgets, or consolidate your coverage, Contact @Avesta Insurance<\/strong>.<\/p>\n\n\n\n

            <\/p>","protected":false},"excerpt":{"rendered":"

            \u00c0 partir du 1er juillet 2026, la taxe appliqu\u00e9e aux assurances non-vie en Belgique passe de 9,25 % \u00e0 9,60 %. Adopt\u00e9e dans le cadre de la nouvelle loi fiscale, cette hausse de 0,35 % s'applique non seulement \u00e0 la plupart des contrats du quotidien (auto, habitation, RC), mais \u00e9galement \u00e0 l'ensemble des op\u00e9rations et […]<\/p>","protected":false},"featured_media":471,"template":"","class_list":["post-469","actualites","type-actualites","status-publish","has-post-thumbnail","hentry"],"acf":[],"_links":{"self":[{"href":"https:\/\/avesta.be\/en\/wp-json\/wp\/v2\/actualites\/469","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/avesta.be\/en\/wp-json\/wp\/v2\/actualites"}],"about":[{"href":"https:\/\/avesta.be\/en\/wp-json\/wp\/v2\/types\/actualites"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/avesta.be\/en\/wp-json\/wp\/v2\/media\/471"}],"wp:attachment":[{"href":"https:\/\/avesta.be\/en\/wp-json\/wp\/v2\/media?parent=469"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}