Fully comprehensive car insurance
- Covers damage to your vehicle, even if you’re at fault
- Discount for safe drivers
- Free towing of vehicle after an accident in Belgium
If you’re driving a new car or a recently purchased second-hand car, fully comprehensive insurance offers additional peace of mind. This cover supplements your third-party liability insurance. It not only protects you against theft, fire, vandalism and forces of nature (such as lightning strikes, storms and hail), it also covers damage to your own car following an accident where you are at fault. This option offers the most comprehensive cover.
What is covered by fully comprehensive insurance?
Insured
- Damage caused by a collision, fire, glass breakage, theft, vandalism, forces of nature, filling up with the wrong type of fuel, collisions with stray animals or birds, and gnawing martens
- The cost of replacing locks or reprogramming the locking system if your car keys are stolen
- Medical expenses if you were injured in a carjacking or car theft
- Vehicle registration tax is covered free of charge if your vehicle is a total loss
- We compensate up to 1 500 euros for items you transport in your car which are intended for personal use in the event that your car is also damaged, including bicycles on your bicycle rack or luggage in your roof box
- We also cover any additional vehicle features which you can no longer use after your car has been declared a total loss, such as your winter tyres or roof box
Not insured
- Damage you cause under the influence of alcohol (more than 0.15%) or in a similar condition due to the use of substances other than alcohol
- Damage you cause while driving your car in violation of the conditions laid down in Belgian laws and regulations
- Damage you cause intentionally
- Damage to parts caused as a result of wear and tear or by an obvious lack of car maintenance
- Theft you facilitated by leaving your vehicle unattended on a public road or unlocked in another location accessible to the public
- Your physical injuries as the driver of your vehicle
(for which you can take out Driver Accident Insurance)
The complete list of exclusions can be found in the general conditions.
The benefits of fully comprehensive insurance with KBC Brussels
Car trouble? Help is on the way
KBC Brussels-VAB Assistance Insurance offers help if you break down on the road. You’ll also get a replacement vehicle for up to seven days following an accident or breakdown in Belgium, and for up to 30 days in the event of theft. Roadside assistance can be made available to your family as well.
Just bought a car? Get protected for longer
In the event of a total loss or theft, we’ll reimburse the full purchase price of your new car for up to 48 months² after purchase. For second-hand cars, a 24-month³ purchase price guarantee applies. As an additional option, we will also increase the compensation by 10% if the car is declared a total loss.
1 The kilometre discount applies to the premium for fully comprehensive insurance (doesn’t apply to the assistance insurance component). The discount applies to new insurance as well as the replacement of a vehicle under existing insurance cover.
2 Valid for new cars and second-hand cars that are up to three years old.
3 Valid for second-hand cars that are more than three years old
More information about fully comprehensive insurance
Is your car more than five years old?
If so, you can switch to semi-comprehensive insurance. This insurance covers the most important claims, such as theft, glass breakage, forces of nature and fire.
Do I need to pay a deductible?
The deductible (or excess) is the amount you have to pay when making a claim. You can choose a deductible that suits your budget. You can choose from: 250 euros, 500 euros, 750 euros, 1 000 euros or 1 250 euros.
- No deductible will apply in the event of fire, nor in the event of melt damage caused by a short circuit, or in the event of explosions, fire-extinguishing operations, theft, forces of nature, damage caused by martens, falling aircraft or parts thereof, or collision with stray animals or birds – not even in the event of a total loss.
- There is also no deductible in the event of glass breakage when you choose Carglass or a repairer approved by us. We will arrange payment directly with the repairer.
What should you do if your car is damaged?
Car involved in an accident, suffered glass breakage or been stolen? Find out what to do if you need to file a claim.
Things you should know about the all-risks comprehensive cover in KBC Vehicle Insurance Passenger car
All Risks Comprehensive Insurance under KBC Vehicle Insurance Passenger car is a fully comprehensive insurance policy. You cannot take out this comprehensive insurance unless you also take out compulsory third-party liability insurance with KBC Insurance.
This product is governed by the laws of Belgium.
Insurance cover under the 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 a consumer, you can cancel your policy 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 the first point of contact for any complaints you may have. If no agreement can be reached, you can contact KBC Complaints Management by post at Brusselsesteenweg 100, 3000 Leuven, by e-mail at complaints@kbc.be, tel. 016 43 25 94, by telephone on + 32 16 43 25 94 or + 32 78 15 20 45 (paid number), or by fax on + 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-insurance.be. This does not affect your legal rights.
Contact your KBC Brussels insurance expert or visit our website to request a quote for KBC Car Insurance for Passenger Cars.
KBC Vehicle Insurance is a product of 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, 14 July 1979).
Member of the KBC Group.
What is and isn’t covered under third-party liability insurance
What is covered?
- Loss, damage or injury you cause with your vehicle to third parties, both material (e.g., exterior damage, damage to buildings, etc.) and physical (i.e. death or injuries)
- Injuries sustained by pedestrians, cyclists or passengers in traffic accidents in which your car is involved (even if you are not liable, you can claim on this insurance)
What is not covered?
- Damage to your own vehicle
- Bodily injuries sustained by the driver in a traffic accident
- Damage caused by taking part in competitions
- Damage you cause intentionally
The complete list of exclusions can be found in the general conditions.
What is and isn’t covered under fully comprehensive insurance
What is covered?
- Damage caused by a collision, fire, glass breakage, theft, vandalism, forces of nature, filling up with the wrong type of fuel, collisions with animals, and gnawing martens
- The cost of replacing locks or reprogramming the locking system if the car keys are stolen
- Medical expenses as a result of a carjacking or home invasion
- Vehicle registration tax is covered free of charge if your vehicle is declared a total loss
- Damage to transported items intended for personal use is compensated up to 1 500 euros in the event that the car is also damaged (e.g., bicycles on the bicycle rack or luggage in the roof box)
- Any additional vehicle features which you can no longer use after your car has been declared a total loss (e.g., a set of winter tyres or a roof box)
What is not covered?
- Damage caused under the influence of alcohol (more than 0.15%) or in a similar condition due to the use of substances other than alcohol
- Damage resulting from failure to comply with legal driving conditions
- Damage caused intentionally
- Theft resulting from leaving the vehicle unlocked and unattended in a public place
- Your physical injuries as the driver of your vehicle (for which you can take out our driver accident insurance)
The complete list of exclusions can be found in the general conditions.