Car insurance
- Drive safely and pay a lower premium
- Put together your own insurance package
- Purchase price guarantee for up to 48 months
Find out all about the benefits of KBC Brussels Car Insurance
Compare our car insurance options
When you purchase a car in Belgium, you are required to take out third-party liability (T/P liability) insurance to cover any loss, damage and/or injury you might cause to others. You can also opt for more extensive protection for your car by taking out our semi- or fully comprehensive insurance. The below table shows you what additional cover is provided compared to the T/P liability insurance, as well as any supplementary insurance you can optionally include or which is included as a standard.
Comprehensive car insurance | Semi-comprehensive car insurance | Car insurance – third-party liability | |
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Damage, loss and/or injury caused to third parties |
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Free towing of vehicle after an accident in Belgium |
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Damage to own vehicle (caused by forces of nature, collisions with animals, fire) |
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Glass breakage, break-ins, theft or attempted theft |
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Repayment of vehicle registration tax and compensation for additional features if your vehicle is declared a total loss |
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At-fault accidents |
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Vandalism |
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Filling up with the wrong type of fuel |
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ADDITIONAL COVER |
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Legal assistance |
Optional | Optional | Optional |
Driver accident |
Optional | Optional | Optional |
Vehicle assistance |
Optional | Optional | |
Replacement vehicle |
Optional | Optional | |
Personal assistance |
Optional | Optional | Optional |
More information | More information | More information |
Damage, loss and/or injury caused to third parties
Free towing of vehicle after an accident in Belgium
Damage to own vehicle (caused by forces of nature, collisions with animals, fire)
Glass breakage, break-ins, theft or attempted theft
Repayment of vehicle registration tax and compensation for additional features if your vehicle is declared a total loss
At-fault accidents
Vandalism
Filling up with the wrong type of fuel
ADDITIONAL COVER
Legal assistance
Driver accident
Vehicle assistance
Replacement vehicle
Personal assistance
Comprehensive car insurance |
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Semi-comprehensive car insurance |
|
Car insurance – third-party liability |
|
Damage, loss and/or injury caused to third parties |
More information |
---|---|
Comprehensive car insurance | |
Semi-comprehensive car insurance | |
Car insurance – third-party liability |
Free towing of vehicle after an accident in Belgium |
More information |
---|---|
Comprehensive car insurance | |
Semi-comprehensive car insurance | |
Car insurance – third-party liability |
Damage to own vehicle (caused by forces of nature, collisions with animals, fire) |
More information |
---|---|
Comprehensive car insurance | |
Semi-comprehensive car insurance | |
Car insurance – third-party liability |
Glass breakage, break-ins, theft or attempted theft |
More information |
---|---|
Comprehensive car insurance | |
Semi-comprehensive car insurance | |
Car insurance – third-party liability |
Repayment of vehicle registration tax and compensation for additional features if your vehicle is declared a total loss |
More information |
---|---|
Comprehensive car insurance | |
Semi-comprehensive car insurance | |
Car insurance – third-party liability |
At-fault accidents |
More information |
---|---|
Comprehensive car insurance | |
Semi-comprehensive car insurance | |
Car insurance – third-party liability |
Vandalism |
More information |
---|---|
Comprehensive car insurance | |
Semi-comprehensive car insurance | |
Car insurance – third-party liability |
Filling up with the wrong type of fuel |
More information |
---|---|
Comprehensive car insurance | |
Semi-comprehensive car insurance | |
Car insurance – third-party liability |
ADDITIONAL COVER |
More information |
---|---|
Comprehensive car insurance | |
Semi-comprehensive car insurance | |
Car insurance – third-party liability |
Legal assistance |
More information |
---|---|
Comprehensive car insurance | Optional |
Semi-comprehensive car insurance | Optional |
Car insurance – third-party liability | Optional |
Driver accident |
More information |
---|---|
Comprehensive car insurance | Optional |
Semi-comprehensive car insurance | Optional |
Car insurance – third-party liability | Optional |
Vehicle assistance |
More information |
---|---|
Comprehensive car insurance | |
Semi-comprehensive car insurance | Optional |
Car insurance – third-party liability | Optional |
Replacement vehicle |
More information |
---|---|
Comprehensive car insurance | |
Semi-comprehensive car insurance | Optional |
Car insurance – third-party liability | Optional |
Personal assistance |
More information |
---|---|
Comprehensive car insurance | Optional |
Semi-comprehensive car insurance | Optional |
Car insurance – third-party liability | Optional |
Optional additional cover for your car insurance
You can take to the road with peace of mind with any of the insurance cover described above. You can also choose to add extra protection for you and your family by adding legal assistance insurance, driver accident insurance, vehicle assistance and/or personal assistance to your insurance package.
Legal assistance insurance
Claims can lead to disagreements. If you find yourself in a dispute that needs to be settled in court, you can count on our legal assistance insurance for advice and legal support, and the legal expenses arising from the dispute are covered up to 100,000 euros. If the other party is unable to pay compensation, we compensate up to 12,500 euros under this insurance. 98% of our car insurance customers take out legal assistance insurance.
Driver accident insurance
Standard T/P liability insurance and comprehensive or semi-comprehensive insurance do NOT cover the bodily injuries you sustain in an accident you caused. Our supplementary ‘Driver accident insurance’ gives you the protection you need to cover medical expenses, even if you’re at fault. It also covers any other people who drive your vehicle with your permission.
Vehicle assistance and personal assistance
Under your compulsory T/P liability insurance, you are entitled to have your vehicle towed away for free following an accident in Belgium.
By supplementing your insurance with vehicle assistance, you’ll also be covered if your car breaks down at home or on the road. This can be further extended with replacement vehicle cover. If you take out fully comprehensive insurance, your policy automatically includes vehicle assistance and replacement vehicle cover.
Personal assistance cover offers you and your family protection in the event of an accident or illness while travelling.
Learn more about your car insurance
We recommend registering your child or children in your own car insurance free of charge within the first year of them obtaining their provisional driving licence. You can arrange this in a few easy steps using KBC Brussels Mobile or KBC Brussels Touch. Registering your child or children in your car insurance ensures they’re properly insured before hitting the road. In addition, this enables them to build up their own no-claims history, so that if they take out their own car insurance with us later, they’ll end up paying a lower rate.
Since driving less reduces the risk of accidents, you get a discount if you drive less than 15 000 km a year. Your premium will be lower still if you drive less than 7 500 km a year.
If you’re aged between 55 and 65, have been a customer with KBC Insurance for five years or more and haven’t had an accident in the last five years, you are entitled to our life-long insurance guarantee. You can rest assured that your compulsory third-party liability insurance will not be cancelled – even in the event of a claim, unless you ignore or violate the general conditions.
- If you’re insuring a new fully electric vehicle, you’ll get the full amount you paid up to 48 months after purchasing it.
- We offer a 24-month purchase price guarantee for used electric vehicles.
- If you’re insuring a new fossil-fuel vehicle, you’ll get the full amount you paid up to 30 months after purchasing it.
- When you take out comprehensive insurance, you choose a deductible that suits your budget, ranging from 250 to 1,250 euros.
No deductible applies in the following cases:
– Glass breakage: provided you choose a glass repair company approved by us
– Fire, melt damage caused by a short circuit, explosions, fire-extinguishing operations, theft, forces of nature, damage caused by pine martens, falling aircraft or parts thereof, or collisions with birds or stray animals
– Total loss
- When you take out semi-comprehensive insurance, no deductible applies. However, if you need to have broken glass repaired and you choose not to use a glass repair company approved by us, you’ll be required to pay a deductible.
With the ‘10% extra compensation option’, we increase the compensation by 10% – with no further formalities required – to cover any items that may have been lost or damaged in the process. This option is automatically included in our semi- and fully comprehensive insurance, but you can also choose to have it excluded. Your KBC Insurance intermediary will gladly arrange this for you.
Make sure you always have a European Accident Statement in your vehicle. You can get one from your KBC Brussels insurance agent or bank branch.
If you’re involved in an accident with another party, both you and the other party need to fill in the statement. See how. Be sure to specify the repairer where you want to have your vehicle repaired following an accident. KBC Brussels uses a network of repairers.
If you also report your claim online using KBC Brussels Mobile or KBC Brussels Touch, we’ll ensure everything is followed up and processed as quickly as possible.
To switch to KBC Brussels, all you need to do is calculate and apply for your insurance online or contact one of our insurance agents. If you decide to conclude a contract with us, we’ll arrange the cancellation of your current contract with the other insurer.
We tailor your premium to your personal situation based on various criteria, such as the type of vehicle you drive, your driving behaviour and the type of insurance you want to take out. For instance, if you have a no-claims history and you apply for insurance for your new vehicle, you’ll pay a lower premium.
If you’ve put together your insurance package and agree with the proposed premium amount, go ahead and launch the application process. Keep your chassis number handy. You can find it on your vehicle’s registration certificate. If you’re insuring a used vehicle, you’ll also need its initial registration date.
Yes. Our insurance covers you as policyholder as well as any people who drive your car with your permission or who ride along with you. Any person who drives the vehicle for more than 2,500 km per year must be included in the policy.
A certificate of insurance (this also used to be known as the ‘green card’) serves as proof that your vehicle is properly insured for the term specified on the document. KBC Brussels no longer issues a paper version of this document. The certificate of insurance is now white and digital. Just ask Kate for a ‘certificate of insurance’ and it will pop up right away. Learn more.
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 a consumer, you can cancel your insurance contract at any time starting from the second insurance year, 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 your 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 (free of charge) or + 32 78 15 20 45 (charges apply), fax + 32 16 86 30 38. 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.as, www.ombudsman.as.
This does not affect your legal rights. - To request a quote for a KBC Vehicle Insurance, visit our website, KBC Brussels Mobile, KBC Brussels Touch or contact your KBC Brussels Insurance intermediary.
- KBC Vehicle Insurance is a product from 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
The company is 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).
A member of the KBC Group.
Read this information carefully before taking out this insurance
Your intermediary: KBC Brussels, part of KBC Bank NV – Havenlaan 2 – 1080 Brussels – Belgium
VAT BE 0462.920.226 – RLP Brussels – IBAN BE98 7300 0000 0083 – BIC KREDBEBB – FSMA 026256 A, tied agent of KBC Insurance NV
Member of the KBC Group