How the deductible for your family insurance works

Family insurance covers you should you or someone in your family accidentally cause loss, damage or injury to someone else. In such cases, the insurance will compensate that person for the harm caused, ensuring you avoid unexpected costs and have peace of mind.

Three recognisable examples:

• Your child hits a parked car with their kick scooter and ends up scratching it. The damage to the car can be paid for through your family insurance.
• You drop a camera that you’ve borrowed. The damage to the device can be covered by your family insurance. 
• While on a walk, your dog jumps up on a passing jogger causing them to fall and hurt themself. The insurance can reimburse the medical expenses.

How does the deductible for family insurance work?

The deductible (or excess) is the amount you pay out-of-pocket in the event of a claim. The insurance company then covers the remaining amount.

At KBC Brussels, you don’t pay a deductible in the event of bodily injury, but a deductible of 250 euros per claim applies when there is material damage.

Three examples of the family insurance deductible:  

• You break a vase while visiting your neighbours and the damage comes to 600 euros. You pay 250 euros (the deductible) and the insurer pays 350 euros.
• While moving house, you accidentally drop a heavy box on a friend's foot, causing an injury that requires hospital treatment. You don’t pay the deductible and your insurer pays the medical expenses.
• You scratch a friend's car after accidentally hitting it with your bicycle. The cost of repairing the damage amounts to 180 euros. As that figure is less than the deductible of 250 euros, you are responsible for paying the cost of the damage caused.

Good to know 

• KBC Brussels Family Insurance is a product provided by KBC Insurance NV and governed by the laws of Belgium.
•  Insurance cover under this policy is valid for a term of one year and is tacitly renewed unless you cancel it no later than two months before the main renewal date. As from the second insurance year, you can cancel your insurance at any time, with effect after two months have elapsed from the day after the registered letter was submitted for delivery, the writ was served or the date of the acknowledgement of receipt.
• Your intermediary is the first point of contact for any complaints you may have. If no agreement can be reached, please contact KBC Complaints Management, Brusselsesteenweg 100, 3000 Leuven, complaints@kbc.be, tel. 016 43 25 94, tel. + 32 16 43 25 94. If you cannot find a suitable solution, you can contact the Belgian insurance industry’s ombudsman service: de Meeûssquare 35, 1000 Brussels, info@ombudsman-insurance.be, www.ombudsman-insurance.be.
• This does not affect your legal rights.
  

To request a premium calculation for KBC Brussels Family Insurance, visit www.kbc.be, use KBC Touch or KBC Mobile, or contact your Insurance Expert.

KBC Brussels Family Insurance is a product provided by KBC Insurance NV, Professor Roger Van Overstraetenplein 2, 3000 Leuven, Belgium.   
VAT BE 0403.552.563, RLP Leuven, IBAN BE43 7300 0420 0601, BIC KREDBEBB  
Company licensed by the National Bank of Belgium, de Berlaimontlaan 14, 1000 Brussels, Belgium, for all classes of insurance under code 0014 (Royal Decree of 4 July 1979, Belgian Official Gazette of 14 July 1979).  Member of the KBC group.