Family insurance
- Covers the cost of loss, damage or injury caused to others
- Covers damage to rented or borrowed items
- Get legal assistance if someone causes you loss, damage or injury
What is family insurance?
A minor slip up or a moment of inattention can have major financial consequences. You could accidentally run into a cyclist who falls and is badly injured or you could accidentally drop a friend's camera you’ve borrowed. Family insurance protects you from such unexpected costs, regardless of whether you caused the harm or suffered it.
What is and isn’t covered?
Covered
- Loss, damage or injury caused to other individuals
We will compensate the person who suffered the loss, damage or injury. This applies, among others, to
- any loss, damage or injury caused by your animals to other individuals
- damage to entrusted goods
- Loss, damage or injury caused by the actions of another person
If you take out personal legal assistance insurance, we’ll help you get compensation from the liable party. If they are unable to pay, we’ll pay up to 12 500 euros in compensation. This figure is doubled in the case of bodily injuries.
Not covered
- Loss, damage or injury which you cause to yourself or family members
- Loss, damage or injury resulting from gross negligence on the part of a member of your family aged 18 or older
- Loss, damage or injury caused intentionally by a member of your family aged 16 or older
- Loss, damage or injury caused by your riding horses or by animals that you, as a private individual residing in Belgium, are not allowed to keep
- Fines and out-of-court settlements
- Disputes in which you are involved as the owner or driver of a motor vehicle that is subject to compulsory motor insurance
Compensation and deductible
- For bodily injuries, we provide cover of up to 30 million euros per claim event and there's no deductible to pay.
- We provide cover of up to 10 million euros for material damage (with a compensation limit of 15.000 euros for damage to entrusted goods) and you pay a deductible of 250 euros per claim event.
Additional family insurance information
Family insurance isn't obligatory, yet nearly every Belgian household has it. You really can't do without it, even if you're single or you don't have any children. A minor accident can sometimes have serious consequences.
Say the worst happened and someone ended up permanently disabled. If you are deemed responsible for the accident, you could be paying for the rest of your life. KBC Family Insurance covers you in such situations for a relatively low premium.
Whether you're living on your own or together with friends, are single or have young children, family insurance is absolutely essential in all households. And if you've gone through a divorce, it's worthwhile reviewing your existing family insurance policy too.
Our family insurance also includes separate cover for people who live under the same roof but are not a family unit. One person takes out the insurance and all the others living there are automatically covered by the same policy. Even if you accidentally damage something that belongs to another resident, you are insured (however, the cost of damage caused to contents used by everyone is not).
What happens if someone moves out?
- If one of the residents moves out, he or she is no longer covered
- If the policyholder moves out, the other residents are no longer covered
- New residents are automatically covered (up to five adults)
The five most common incidents prompting claims among KBC Brussels customers are listed below along with their estimated cost.
- A water leak in your bathroom causes damage in a neighbouring property
- Possible consequences: Plastering and painting
- Estimated cost: 700 euros to 2,500 euros
- While riding your bike or kick scooter you hit a pedestrian and cause permanent injury
- Possible consequences: Lifelong care
- Estimated cost: +1 million euros
- You accidentally scratch the door of a car with your bike
- Possible consequences: Repair or replacement of the car door
- Estimated cost: 700 euros to 1,500 euros
- A tree falls the wrong way causing damage to your neighbour's property
- Possible consequences: Repair or replacement of fence and furniture
- Estimated cost: 1,700 euros to 10,000 euros
- You accidentally damage the front door of an apartment block when helping a friend to move
- Possible consequences: Repair or replacement of the front door
- Estimated cost: 1,000 euros to 5,000 euros
- You rent an electric bike, park it briefly while visiting a shop and a gust of wind causes it to fall over and get damaged
- Possible consequences: Bike repair
- Estimated cost: 500 euros to 1.000 euros
These three forms of insurance cover are particularly useful if you’re ever involved in an accident. However, there are also important differences. Find out how and when you are covered by these policies.
Good to know
- This product is 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 three months before the main renewal date.
For policies taken out or tacitly renewed on or after 1 October 2024, you have up to two months before the main renewal date to cancel them. 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 Brussels Complaints Management, Brusselsesteenweg 100, 3000 Leuven, complaints@kbc.be, tel. 016 43 25 94. If you cannot find a suitable solution, you can contact the Belgian insurance industry's ombudsman service: Ombudsman van de Verzekeringen, 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 Family Insurance, visit www.kbcbrussels.be, use KBC Brussels Touch or KBC Brussels Mobile, or contact your Insurance Expert.
KBC 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