Additional travel insurance on your credit card

Discover the benefits

Are you a keen globetrotter? If so, you are bound to be aware that journeys seldom go exactly to plan. Unforeseen circumstances can turn out to be both positive and negative. Unfortunately, the negative events are often synonymous with extra costs. For example, a flight delay or theft. Travel insurance offers peace of mind. You can take this out separately, but it's possible that you already have free travel insurance as an extra on your credit card. Find out all the details here.

Travel insurance: more than just nice to have

Those with an adventurous and enterprising mindset often think that nothing will happen to them when they are travelling. After all, you are careful and alert to the potential risks. Nothing is further from the truth, because unfortunately you are not in control of most elements. Nobody is immune to theft, flight delays, etc. If you really want to head off on your travels with true peace of mind, then you should take out travel insurance. This means you are covered against the most serious financial risks associated with travel at home or abroad, from theft to loss of baggage.

Free travel insurance with KBC Brussels Platinum Credit Card

This insurance covers you against cancellation and/or early-return costs relating to any personal trips that you pay for using a KBC Brussels means of payment. You are covered for up to 10,000 euros per claim. The conditions are shown below.

Travel cancellation insurance

Compensation

A maximum of 10,000 euros per claim, regardless of the number of credit cards and/or accounts in the family
You don't pay any deductible

Main conditions

The trip includes at least one overnight stay
Your entire trip must be paid for using a KBC Brussels means of payment
You must have been in possession of your KBC Brussels Platinum Credit Card at all times between the time when the trip was booked until it was cancelled
Only private travel is covered

Main exclusions

Claims resulting from excessive use of alcohol, medication or drugs, which were not prescribed by a doctor
Cancellations or interruptions due to medical complaints or injuries

Additional expense for flight delays & missed connections insurance

This insurance covers you for expenses incurred for food and drink or additional overnight accommodation not paid for by the carrier if your journey experiences more than four hours' delay, e.g. due to cancellation or delay of confirmed transport arrangements, boarding being declined due to overbooking or for any other insured cause. The insurance is valid for travel to a foreign destination.

Additional expense for flight delays & missed connections insurance

Compensation

A maximum of 150 euros per insured person and a maximum of 1,500 euros for the entire group travelling together (amounts for the total journey there and back, regardless of the number of KBC Brussels credit cards and accounts in the family)

Main conditions

The trip itself must have been paid for with a KBC Brussels means of payment
The necessary expenses must have been paid for using your KBC Brussels Platinum Credit Card

Main exclusions

The policy does not apply

if the delay was due to a protest, strike or trade union action that was already underway or had been announced at least 24 hours prior to the start of the trip
if equivalent alternative transport was available
for charter flights

Insurance for urgent purchases required as a result of delayed baggage

This cover reimburses you for outlays on urgent purchases of necessary replacement clothing and toiletry articles not paid for by the carrier and required due to a delay in the delivery of your baggage.

The insurance is valid for travel to a foreign destination.

Urgent purchases for delayed baggage delivery insurance

Compensation

Baggage more than 48 hours late: up to 500 euros for the entire group travelling together
Baggage more than 4 hours late: up to 250 euros for the entire group travelling together

Main conditions

The trip must have been paid for by you with a KBC Brussels means of payment
The urgent expenses must have been paid for using your KBC Brussels Platinum Credit Card
Your application for insurance cover must have been signed by you when you booked the trip

Main exclusions

The policy does not apply

if the baggage has not been retrieved for charter flights
for baggage that was not transferred to the responsibility of the carrier upon departure or that was checked in too late

Hire car deductible insurance

Are you going on a trip and renting a car in a foreign country?

If so, this insurance will pay you back for the deductible charged by the car insurance company of the rental agency to you for any damage to a rented vehicle during the rental period.

Hire car deductible insurance

Compensation

At least 100 euros and a maximum of 2,500 euros per calendar year for each account to which the credit card is linked

Main conditions

The vehicle must be rented for private purposes for a maximum of 30 days
The rental is a passenger car, motorhome, van or light goods vehicle, or an off-road vehicle (max 3.5 tons)
The deductible is at least 100 euros
The rental price of the vehicle must have been paid for by you using the KBC Brussels Platinum Credit Card

Main exclusions

The policy does not apply

if negative travel advice applies to the final destination at the start of the trip
if you rent more than one vehicle at the same time
to trailers

Good to know

Please note, read the general conditions of this insurance policy so that you are familiar with the precise scope of the cover: Regulations and general insurance conditions for KBC Platinum Flex Credit Cards.

The policy is provided by KBC Insurance NV – Professor Roger Van Overstraetenplein 2 – 3000 Leuven – Belgium. VAT No. 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). A member of the KBC Group.
Your KBC Brussels branch is the first point of contact for any complaints you may have about this advertisement. If no agreement can be reached, you can contact KBC Complaints Management by post (Brusselsesteenweg 100, 3000 Leuven), complaints@kbcbrussels.be, tel. 016 43 25 94.
If you have a complaint concerning this advertisement and are unable to reach a suitable resolution, you can contact Ombudsfin vzw, North Gate II, Koning Albert II laan 8, bus 2, 1000 Brussels, tel. + 32 2 545 77 70, fax + 32 2 545 77 79, e-mail ombudsman@ombfin.be.
If you have a complaint with regard to insurance, 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.
You can submit a claim under the insurance as long as your credit card is active and you have paid the card fee. The insurance ends automatically when the contract between KBC Bank NV and the insurer is cancelled.
Belgian law applies to all insurance cover specified here.
This insurance is a class 16 product (financial loss insurance).
The conditions of cover are available from all KBC Brussels branches and at www.kbcbrussels.be/platinum. The applicable general conditions alone determine your right to compensation from the insurer.

More info

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