Ferrari vs Lamborghini: what really separates them on the invoice

On paper, Ferrari and Lamborghini are separated by a stopwatch. Over three years of ownership in Belgium, they are separated by three lines: scheduled maintenance, road tax, and what the extended warranty refuses to cover. Ferrari includes seven years of servicing across its whole range. Lamborghini includes five, on three models.

Three Belgian terms are used throughout and are worth defining once. BIK (avantage de toute nature, ATN) is the taxable benefit in kind charged to anyone with private use of a company car. VRT (taxe de mise en circulation, TMC) is the one-off registration tax due when a vehicle first enters service, set regionally. The historic plate (plaque ancêtre, O plate) is the Belgian status granted to vehicles over 30 years old, with a flat road tax and reduced roadworthiness testing in exchange for restricted use.

Ferrari or Lamborghini: which is cheaper to keep?

Ferrari, on the servicing line, and the gap is not cosmetic. The 7-Year Genuine Maintenance programme covers scheduled servicing for the car's first seven years of service life, across the entire range, on new cars and on pre-owned cars bought from an official dealer. At Lamborghini, scheduled maintenance is included for five years, and only when buying a Temerario, a Revuelto or an Urus SE.

That table is the only thing both manufacturers publish in black and white. Everything else — hourly workshop rate, price of an oil change, price of a set of ceramic discs — is published by neither Ferrari, nor Lamborghini, nor their Belgian importers.

What annual servicing budget should you plan for each?

I will not publish one, and that is deliberate.

No official rate exists for Belgium. The brackets that circulate on the subject — "between €2,500 and €4,000 a service" — come from forums and French garage websites, with no date, no version, no invoice reference. On a car where replacing a set of ceramic pads and replacing a set of steel pads do not sit in the same order of magnitude, copying an average bracket amounts to saying nothing. What I can state fits in one sentence: on a recent Ferrari bought through the official network, scheduled servicing is already paid for seven years, and on a Lamborghini that is neither a Temerario, nor a Revuelto, nor an Urus SE, it is on you from the first service onwards.

Purosangue or Urus: where does the €178,854 gap go?

Not into servicing. The Ferrari Purosangue is listed at €444,749 and the Lamborghini Urus 4.0 V8 PHEV SE at €265,895, Belgian list prices recorded on 22 August 2026 on Moniteur Automobile. The €178,854 gap is decided by the engine, the production volume and the position in the range, not by what the car will cost you each year.

The Urus SE is quoted at 12.9 l/100 km combined and 140 g of CO₂ under WLTP. It is a plug-in hybrid, which is why a two-and-a-half-tonne SUV posts a homologation figure fit for a diesel hatchback. On the Purosangue, no consumption or emissions figure is published by the same source at the date of the record, so I am not putting one forward.

The list price says €178,854 of difference. The annual tax puts both cars in the same bracket.

How much is the road tax on a supercar in Belgium?

In Wallonia, €2,741.77 a year from 20 fiscal horsepower, plus €149.56 per additional horsepower beyond that. The SPW Finances scale, additional decimes included, is valid from 1 July 2026 to 30 June 2027 and is indexed every 1 July.

The Urus's 3,996 cc V8 falls into the 3,951–4,150 cc band. Twenty fiscal horsepower, full rate, no argument.

The official scale stops at 20 hp. Beyond that it adds €149.56 per horsepower, but the exact fiscal horsepower figure appears on the registration certificate and not in a public table: on a 6,496 cc V12 like the Purosangue's, I know the tax exceeds €2,741.77 a year, I do not know by how much, and I am not inventing it. Brussels applies a separate grid, Flanders a formula combining fiscal power, Euro standard and CO₂, and the 2026 Flemish and Brussels amounts could not be verified against an official source on 22 August 2026. Each regional administration's calculator remains the only reference on that point.

Remember the ratio rather than the amounts: between an Urus registered in Wallonia and a sports car on a historic plate, road tax varies by a factor of 56 over three years.

What does each brand's extended warranty refuse to cover?

This is the line owners find out about too late, and it is written down in plain sight.

At Ferrari, the Power16 cover, which takes over from year 9 to year 16, requires that the car has not exceeded 120,000 km, has not been in a serious accident, has not been tampered with, has not been used in competition — and has not been used in track activity. A Ferrari taken to Spa-Francorchamps or Zolder three times is no longer eligible. The brand makes no secret of it: the condition is published on its own site.

At Lamborghini, the Selezione programme requires a car under ten years old, under 70,000 km on the clock — 100,000 km for the Urus — and a pass on a list of 150 checks. Beyond those thresholds, the official extension is no longer offered.

Which is easier to insure in Belgium, and at what price?

No Belgian insurer publishes a rate table for this segment, so no premium figure appears here. What can be verified are the two mechanisms that decide the amount.

The first is agreed value. On a car whose market value does not follow a classic depreciation curve, the figure the insurer uses in a total loss has to be fixed in the policy, not estimated after the event. The second is the track exclusion described above, which is not a niche clause: it is the rule, and one-off cover is the paid exception.

How have their market values moved over five years?

No public, dated, verifiable series tracks Ferrari and Lamborghini values on the Belgian market. I am therefore not publishing one, and I am not recommending any model as an investment: a car is not a financial instrument, and I have neither the data nor the standing for that argument.

What can be documented is the mechanism by which both brands act on resale value. Ferrari keeps the service history in its own database, updated at every visit, with a printed copy on request — and the maintenance programme passes to the new owner on sale. Lamborghini set up its Polo Storico department in 2015 and offers a Certification of Authenticity to owners of vintage models, with analysis of mechanical components, interiors, paintwork and modifications, compared against factory archives.

In both cases the object is the same: making the file verifiable. In this segment, a complete and traceable service book does not push a value up, it prevents the discount that suspicion creates. Exactly the same logic as on a used German premium car, one order of magnitude apart.

At what age does a Ferrari become a historic vehicle in Belgium?

Thirty years, in all three regions, since 1 January 2023 — the threshold was twenty-five years before that. The status opens up the O plate and, in Wallonia, a flat road tax of €48.61 a year. Roadworthiness testing drops to one inspection every two years between 30 and 50 years, then every five years beyond.

The trade-off is real: professional and commercial use is prohibited, and so is the home-to-work commute. A 1995 Ferrari 355 on an O plate is not an everyday car, it is a weekend car whose tax treatment acknowledges that it covers few kilometres. On roadworthiness testing, Wallonia goes further than the other two regions with a historic-interest status that can exempt a vehicle from periodic inspection on application; in Brussels and Flanders, the same 35-year-old car goes back every two years.

What really separates them

Over three years, the real bill is not decided where the comparisons look for it. It is decided by two extra years of scheduled maintenance at Ferrari, by a track exclusion that empties the extended warranty if you use your sports car for what you bought it for, and by a regional tax that files a €265,895 SUV and a €444,749 SUV in the same band.

The rest — the shape, the noise, the door that opens upwards — appears on no invoice. Both brands are sold and serviced in Belgium, and that is the second question to ask after the price: where is the nearest approved workshop, and how long does a part take to arrive from Italy.

For daily use rather than weekend use, the maths is very different and I set it out in the best luxury cars for daily driving in Belgium. If the purchase is second-hand, the traps of the Belgian used market are worth reading before you travel to see a car, and the leasing question is covered in what luxury car leasing really costs in Belgium. Models costed line by line are in the luxury car ranking.

Sources

• Ferrari, official Ferrari warranties and maintenance, accessed 22 August 2026: three-year manufacturer warranty extendable to year 8, 7-Year Standard Genuine Maintenance programme across the range, every 20,000 km or once a year with no mileage limit, available on pre-owned cars bought through the official network, Power16 eligibility conditions from year 9 to year 16, 120,000 km ceiling and exclusion of vehicles used on track or in competition.
• Automobili Lamborghini, Warranty Extension, accessed 22 August 2026: three-year unlimited-mileage warranty, Selezione programme limited to cars under 10 years and 70,000 km, 100,000 km for the Urus, and a list of 150 checks.
• Automobili Lamborghini, "Defeat Time: Lamborghini's Commitment to Timeless Excellence", 20 October 2025, accessed 22 August 2026: five years of scheduled maintenance included with the Temerario, Revuelto and Urus SE, Selezione extension up to ten years from first registration, eight-year warranty on high-voltage batteries, Certification of Authenticity and Polo Storico department established in 2015.
• SPW Finances, road tax scale, additional decimes included, valid 1 July 2026 to 30 June 2027, accessed 22 August 2026: €1,075.54 at 15 hp, €2,741.77 at 20 hp, €2,741.77 + €149.56 per horsepower above 20 hp, €48.61 flat for historic vehicles over 30 years old.
• Moniteur Automobile, price of the Lamborghini Urus 4.0 V8 PHEV SE 2026, recorded 22 August 2026: €265,895, 12.9 l/100 km, 140 g of CO₂ WLTP.
• Moniteur Automobile, price of the Ferrari Purosangue, recorded 22 August 2026: €444,749 in petrol.
• Historic vehicle status and O plate: threshold raised from 25 to 30 years on 1 January 2023 in all three regions, roadworthiness testing every two years from 30 to 50 years then every five years, prohibition of professional use and of the home-to-work commute, historic-interest status specific to Wallonia.