Buying a car for the first time: tips

Finally, your own car? Here’s what you need to know

You have obtained your driver’s license and are thinking about buying your own car. We make it easy for you and list everything you need to know.

Tip 1: Consider a used car

  • Know that a second-hand car is much cheaper. The more kilometres, the less you usually pay for your car. However, that should be okay with you. If it concerns a car mainly driven on the highway, it will be less worn than a car with fewer kilometres on the clock that only drives in the city. The only condition: maintenance has always been carried out according to the manual.
  • When buying a used car, ensure you get the right documents from the seller. The legally required Car-Pass gives you an idea of ​​the car’s history. By viewing the mileage at different times, you can, for example, check whether the odometer has not been tampered with. 
  • Be careful with second-hand diesel cars because older ones are no longer allowed in all cities. For example, in the low-emission zone in Antwerp, you can be fined if you drive a too-polluting vehicle. Since the beginning of 2018, Brussels has also had a low-emission zone.

Tip 2: arrange the formalities

  • Inspection: if you buy a new car, you do not have to go for an inspection for the first three years. In the case of a second-hand car, the seller must take the vehicle to the inspection.
  • Registration: you need your new car registered with the Vehicle Registration Service (DIV). With DVV insurance, your consultant will arrange this for you.
  • Tax: you will pay the one-time tax after registration has to pay registration tax. After that, there is also an annual traffic load.

Tip: your  DVV consultant will be happy to help you ensure that your administration is in order. This way, you save time and save yourself a lot of hassle!

Tip 3: arrange the insurance

If you have your own car and are, therefore, the main or sole driver, you are legally obliged to have one auto insurance Civil Liability. If you are at fault, the insurance will intervene to pay for the damage of third parties. Do you want to limit your insurance costs? This can be done in these ways:

  • Choose a car with limited power because the premium increases the higher the power. The tax on entry into service and the road tax will then also be more expensive.
  • Get a used car, so you only need car insurance and Civil Liability. If you buy a completely new car, buying one take-out comprehensive insurance is wiser. He will then intervene to pay for the damage to your car in case of a claim.

Good to know

Are you younger than 36? Then you can enjoy a discount under certain conditions. 

Request a free check-up.

If you are overinsured, you pay more than you should. If you are underinsured, you will not receive full compensation in the event of a claim. 

Your DVV consultant is there for you.

Could you use some help to find your way around the purchase of your first car? Do you doubt whether you need an omnium or not? Visit a DVV consultant in your area for help and advice.

Good to know

  • Civil Liability car insurance is required by law. It is concluded for 1 year and tacitly renewed annually. The Special and General Terms and Conditions take precedence over the commercial brochures. The insurance contract is subject to Belgian law. Visit a DVV consultant or view here:
    • the conditions (excess, covered goods, limits of cover, etc.),
    • the commercial sheet,
    • The insurance product information document (IPID).
    • Before signing a contract, it is important that you take note of these documents.

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