Belgian mobility is evolving rapidly, with the rise of cycling, the increasing use of electric scooters, electric company cars, and the growing prevalence of light motorized vehicles.
These changes are altering both the frequency and nature of accidents, with direct implications for insurers in terms of claims, pricing, and reserve management. Understanding these trends, quantifying emerging risks, and anticipating future developments are essential to adapt actuarial models and support effective risk prevention strategies.
Acerta’s annual mobility barometer
05/01/2026 – Source
For the tenth consecutive year, HR expert Acerta has mapped the commuting habits of Belgians. This edition highlights a striking finding: a record number of workers in Wallonia now use a bicycle to get to work. Overall, 6% cycle to their workplace, representing a 64% increase compared to five years ago. While car use has slightly declined, it remains dominant: 87.9% of Walloons rely exclusively on a car for commuting. Company cars are increasingly electric, with the number of employees using an electric company vehicle rising by 58% in just one year.
👉 Explore the full results
Share of transport modes in home-to-work commuting trips (2024–2025 and change)
| Category | National | Flanders | Wallonia | ||||||
|---|---|---|---|---|---|---|---|---|---|
| 2020 | 2025 | Change | 2020 | 2025 | Change | 2020 | 2025 | Change | |
| Total share — Car | 78.3% | 78.2% | -0.1% | 77.5% | 77.1% | -0.4% | 93.1% | 92.0% | -1.2% |
| Total share — Bicycle | 33.3% | 43.3% | 30.2% | 38.2% | 50.8% | 32.9% | 3.7% | 6.0% | 64.0% |
| Total share — Public transport | 8.1% | 7.9% | -2.6% | 7.0% | 6.7% | -4.2% | 5.8% | 6.4% | 11.2% |
| Combinations | |||||||||
| Car only | 60.0% | 50.6% | -15.7% | 56.4% | 44.5% | -21.0% | 90.7% | 87.9% | -3.1% |
| Bicycle only | 14.6% | 15.3% | 4.4% | 16.6% | 17.6% | 5.7% | 1.6% | 2.4% | 46.4% |
| Public transport only | 6.0% | 5.2% | -12.9% | 4.7% | 3.8% | -18.7% | 5.1% | 5.3% | 4.1% |
| Car + bicycle | 17.2% | 26.2% | 52.4% | 20.0% | 31.2% | 55.8% | 1.9% | 3.3% | 76.8% |
| Car + public transport | 0.7% | 0.8% | 22.7% | 0.7% | 0.8% | 17.9% | 0.5% | 0.8% | 57.1% |
| Car + bicycle + public transport | 0.4% | 0.5% | 48.7% | 0.4% | 0.6% | 50.1% | 0.0% | 0.1% | 108.0% |
| Bicycle + public transport | 1.1% | 1.3% | 20.6% | 1.2% | 1.5% | 22.4% | 0.1% | 0.3% | 88.4% |
Sharp increase in two-wheeler accidents during the first nine months of the year
19/12/2025- Source
According to Vias’s latest road safety barometer, Belgium saw a 5% increase in bodily-injury accidents during the first nine months of the year, reaching 27,662 incidents nationwide. Two-wheelers were particularly affected: accidents involving mopeds rose 11% to nearly 2,800 (the highest in ten years) while e-scooter accidents surged 43% to 1,849, and cycling accidents increased 9%, largely driven by a 20% rise in e-bike incidents. The increase was observed across all regions: Wallonia (+6%), Brussels (+7%), and Flanders (+5%). Vias highlights the need for stronger enforcement against high speeds, improved equipment for police to measure vehicle speed, and enhanced individual protection, such as mandatory helmets for e-scooter riders, who are disproportionately at risk of severe head injuries.
You can read the full barometer here
|
Number of injury accidents involving two-wheelers
(first 9 months of the year) |
Period | Change 2024–2025 | ||
|---|---|---|---|---|
| First 9 months 2024 | First 9 months 2025 | Absolute | Percentage | |
| Cyclists | 8,192 | 8,963 | +771 | +9% |
| Electric scooters | 1,293 | 1,849 | +556 | +43% |
| Moped riders | 2,509 | 2,794 | +285 | +11% |
| Motorcyclists | 2,003 | 2,202 | +199 | +10% |