Owning a car can be costly, with fuel, insurance, taxes, maintenance, and repairs adding up quickly. This is especially true for residents of Mons, Belgium, as indicated by a study by CallMePower. The study sought information on the prices of full omnium car insurance across Belgian capitals and found that Mons drivers pay 11.45% more than Arlon residents, with the average monthly cost for a new city car being around €101.60.
Mons ranked second as the most expensive city for car insurance in Belgium, with Axa assurance offering the highest rate of €126.49 per month, and Yuzzu providing the cheapest option at €81.02 per month. The study also showed that Hasselt, in Limburg, is the cheapest city for full omnium car insurance, with a 46.38% difference between Mons and Hasselt.
The study found that the insured’s place of residence affects the insurance premium, as insurers use statistics from accidents occurring in the area. Regions with high population density tend to have higher premiums due to the frequency of accidents, vandalism, car theft, and flooding.
CallMePower suggests regularly comparing offers from insurers, taking into account coverage differences, and considering personal profiles, vehicle use, driving aids, minimizing minor claims, choosing insurance per kilometer if you are an occasional driver, and combining cover with the same insurer for benefits and discounts. It is also important to protect the vehicle by using anti-theft devices, parking it in a private and secure garage, and reviewing coverage needs regularly.
The study compared premium amounts for full-omnium car insurance from six insurers in Belgium using a standard profile of a male driver born in 1983, driving a Citroën C3, residing in the city center, being the only driver of a new vehicle, and having had no claims in the past five years with continuous vehicle coverage.
A car is a small money pit. The assertion should not be disputed by the owners, accustomed to disburse colossal sums. Between fuel, insurance, taxes, maintenance and possible repairs, the bills accumulate and the amounts soar… Even more so if you live in Mons. This is in any case what concludes a study carried out by the comparator CallMePower.
As part of a survey intended to find out the prices of full omnium cover, i.e. full car insurance in Belgium, according to the Belgian capitals, it appears that in Mons, drivers pay 11.45% more for their insurance than the inhabitants of Arlon. The average monthly price for such insurance amounts, for a new city car (the most sold in Belgium), to around 101.60 euros.
”Mons ranks second among the most expensive cities in Belgium, according to the CallMePower study”we announce on the side of the comparison service. “The insurance company that offers the highest price in Mons is Axa assurance, with a premium of €126.49 per month. Conversely, the insurer that offers the cheapest coverage is Yuzzu, with a monthly rate of €81.02.”
A difference of 46.38% between the most expensive and the least expensive city!
Also according to research carried out by CallMePower, the cheapest city to insure a city car is Hasselt in Limburg. “The monthly price difference between the two cities is 46.38%.” Figures that are surprising… And make you cry. How can such a difference be justified? The place of residence of the insured is in question.
”We used a standard profile to compare the rates offered by Belgian insurers in the different Belgian cities. The place of residence of the insured has a significant impact in the definition of the insurance premium, because it influences the probability of loss. Indeed, the insurer calculates the premium using statistics of accidents occurring in the region. The premium is therefore generally higher in regions with a high population density, since accidents are more frequent there. The probability of vandalism, car theft or even flooding is also taken into account.”
It is indeed difficult to claim that in Mons, traffic is fluid, the behavior of motorists is exemplary and the risk of accident is lower. “Fortunately, you don’t have to move to save a little. Even though car insurance in Mons is among the most expensive in Belgium, there are big differences between insurers. In some cases, this can amount to several hundred euros per year.”
Ways to save some money
Still according to the comparator, the difference between the most expensive and the least expensive car insurance in Mons is 45.47 euros per month. “By regularly comparing offers from insurers, it is possible to save a significant amount of money on an annual basis. It is also important to take into account the differences in coverage between insurers.”
And therefore to take into account your own profile, the vehicle and the use made of it, to equip yourself with driving aids, to avoid declaring minor claims (breakage of glass, for example ), to favor insurance per kilometer if you are an occasional driver, to combine cover with the same insurer in order to benefit from advantages and reductions, to protect the vehicle from anti-theft devices or by parking it in a private and secure garage and by regularly reassessing coverage needs.
It should be noted that as part of its study, CallMePower compared the amount of premiums for full-omnium car insurance from six insurers according to the city of residence in Belgium. The standard profile used during the comparison is that of a man driving a Citroën C3, born in 1983 and having obtained his driving license in 2003. The latter lives in the city center and is the only driver of his new vehicle . He has had no claims for the past five years and has always had coverage for his vehicle.
In conclusion, living in Mons can significantly increase your car insurance costs compared to other cities in Belgium. However, there are ways to save money on your premiums such as regularly comparing offers, taking into account differences in coverage, and making sure to equip yourself with driving aids and protect your vehicle from theft or damage. By being proactive and taking these steps, you can avoid overpaying for your car insurance and keep more money in your pocket.