@Pato: you have well consulted the law, even in a minority language. An experienced traveller, you ought to know that there can be differences between the letter of the law, and how it is applied. Especially as one travels South - and in this respect, as in many, Belgium is a very Latin country.
OTOH the insurance aspect is real: insurance companies are getting very good, and more and more ingeneous, at finding reasons for not having to pay out. Whether they could hide behind a purely administrative argument must depend on local laws and jurisprudence.