Please beware of phishing! Emails which were not sent by our employees are currently circulating, allegedly on behalf of Vanbreda Risk & Benefits. Did you receive an email with the domain name @vanbreda-be.com? Do not click on it and report it to your usual contact person in our organisation. Our email addresses always end in @vanbreda.be.

Back to overview
January 31, 2025

Changes to the Motor Vehicle Liability Law (WAM): prepare your mobility policy for the future

What do auxiliary party liability, mobility, solar panels and cyber have in common? They are four factors that affect your company’s risk profile in 2025. In the latest episode of our video podcast Succes Verzekerd, a panel of in-house experts discusses how you can successfully include new risks in your company’s risk management approach. Erik Blankaerts explains what motor vehicles have had to be insured for damage to third parties since 2024.

Mobility is a very broad concept. In this video podcast, we focus on how people get from A to B and the different means of transport they use. A mobility policy helps companies structure and manage employee mobility. Does your company have a mobility policy that takes all forms of mobility into account?

Your responsibility as a caring employer

Employers are responsible for the well-being and safety of their personnel. Work-related travel is no exception to this: it is up to the employer to identify the risks associated with mobility and take them into account in the mobility policy.

The car and the bicycle are used by many employees for getting to and from work. Alternatives such as other types of bikes, scooters, shared cars and so on are also growing more common, though, so make sure that your mobility policy optimises the conditions for travel with all means of transport.

Risk prevention: an essential element of mobility policy

What needs to be done in terms of risk prevention can vary greatly. If your fleet includes lots of company cars, make sure that they receive regular servicing, for example, so that they are always in good condition. If there are permanent or temporary hazards on the route of employees who cycle to work, as an organisation you should share knowledge of alternative, safe routes. Communication and training also form part of the risk prevention strategy in your mobility policy

Employee training and communication about your risk prevention actions are part of your mobility policy.

Amended WAM Law clarifies legal obligations

Legislators amended the Motor Vehicle Liability Law (WAM Law) in April 2024 to make requirements concerning company fleet insurance clearer to employers. The law determines which motor vehicles must be insured for damage to third parties. To make matters as clear as possible, the law also sets rules on vehicles that are only used on private property.

The obligation to have insurance now applies to all motor vehicles that are used to transport goods or people, regardless of where they are driven. This includes vehicles such as forklifts and tractors on factory sites.

Exceptions

One important point that needs to be considered is insurance for electric bicycles, which are becoming more common in company fleets:

  • Third-party liability insurance must be arranged for speed pedelecs.
  • For regular electric bicycles, the requirement to insure depends on the maximum speed and the weight. For example, an e-bike with a throttle or one that can go faster than 25 km/h requires insurance.
Third-party liability insurance must be arranged for speed pedelecs.

There are still some exemptions from the insurance obligation, such as vehicles that have a maximum speed of 6 km/h and weigh less than 100 kg, and certain pallet trucks and motorised wheelchairs.

Our advice

We advise companies to check whether their vehicles are already insured and whether these policies comply with the new WAM Law. If vehicles are not yet insured, this must be arranged as soon as possible. You can contact us for advice to ensure that your organisation is complying with the law.

Related posts

Aflevering 15 Vanbreda S2 Foto website

Videopodcast — Legislative changes

Videopodcast
18.02.2025

In the latest episode of our video podcast Succes Verzekerd, find out how you can successfully include new risks in your company’s risk management approach. A panel of four in-house experts explains the recent legislative changes affecting your insurance portfolio, focusing on four topical areas: auxiliary party liability, mobility, solar panels and cyber.

Read more
Read more about Videopodcast - Legislative changes
Beeld stephanie deneef voor website

Videopodcast — International mobility

Videopodcast
09.06.2023

Mobility is in full development in this country. The way we all get about is affected by a range of factors, including the increasing density of our cities, the switch to hybrid work, climate change and technological innovations. How should your company deal with all the new forms of mobility? And how do you ensure that your employees can travel safely for both work and private purposes? Our in-house mobility experts Stephanie Deneef and Geert De Krem guide you through the mobility trends and insurance challenges in this episode of our videopodcast ‘Succes Verzekerd’.

Read more
Read more about Videopodcast - International mobility