Car insurance

We no longer apply a no-claims bonus system. Instead, we reward good drivers with benefits, such as a joker and a discount on their third-party liability insurance.

No-claims joker
KBC Brussels rewards you with a joker after not filing any at-fault claims for five consecutive years. If you do end up in an accident in which you were at fault, you can use your joker to avoid a premium increase. You can earn back your joker if you do not file any claims for five consecutive years and provided you were insured during this period. This way your premium stays the same in the unfortunate event that you are involved in an accident one time only.

Discount on your third-party liability insurance
Your good driving habits will also earn you a 10% discount on your compulsory third-party liability insurance. If you cause an accident but don’t have a joker, this discount will be forfeited for a full year. You will receive the discount again if you do not file any claims for one full year.

Since driving less reduces the risk of accidents, you pay a lower premium if you drive less than 10 000 km per year.

If you’re aged between 55 and 65, have been a client 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.

If you are taking out insurance for your new car, KBC Brussels will have your registration plate and all the papers, including the international motor vehicle insurance certificate (‘green card’), ready in your car when you collect it from the garage. All you need to do is pick up the keys and drive off. Interested? Read more here.

Since new cars are equipped with more safety features than older ones, KBC Brussels applies an attractive lower premium to all new cars. This applies to the premium for both fully comprehensive insurance and compulsory third-party liability insurance.

Our handy calculator below lets you work out the price of your car insurance. You can take out cover online straightaway, without having to go to your branch. After all, you get the same rate online as you would at your branch or insurance agent.

Any damage? With us, you’re not on your own when it comes to claiming. There’s always a %%bank%% Insurance agent nearby who will be happy to help you with your claim. That includes insurance you’ve taken out with us online.

• Get the full amount you paid for a new fully electric car up to 48 months after purchasing it
• Benefit from 24-month purchase price guarantee coverage for second-hand electric cars
• Get the full amount you paid for a new fossil-fuel car up to 30 months after purchasing it

We will increase the compensation by 10% no matter the type of vehicle (if you don't want the '10% extra' option, contact your insurance expert).