Peace of mind when travelling thanks to your KBC Brussels credit card
Going on holiday is one of the highlights of the year. But what if
you have to cancel your trip or cut it short half way through? At that
moment you'll have already booked your flights and accommodation.
You can recoup some of your travel expenses thanks to
the cancellation insurance linked to your KBC Brussels credit card.
That'll help ease the disappointment and, if necessary, you can
quickly start looking for something else.
Your cancellation insurance in 7 questions
If you have a KBC Brussels Gold or Platinum Credit Card, be sure to book
your trip using a means of payment available to you at KBC Brussels and
benefit from the cancellation insurance linked to your credit card.
Everything you need to know about this insurance is set out below
under seven essential questions.
1. Which credit cards have cancellation insurance?
The following credit cards come with travel cancellation insurance:
Cancellation insurance covers repayment of your travel expenses, such
as your holiday home rental and transport to and from
your destination.
If you have to return from your holiday early, you’ll receive
compensation for the number of days’ holiday you miss.
3. When can you claim under this insurance?
Sudden illness, accident
or death of the card holder, a family member to the second degree or
a person living under the same roof who is a dependent of the card
holder for tax purposes or over whom the card holder has
custody
Serious material damage to the card holder's main
residence
Denial of necessary vaccinations for medical
reasons not known in advance
Denial of a visa despite
following the correct procedure, when the insured person has not
been refused before
An overview of all the reasons for cancellation can be found in the
general conditions.
4. Who's covered?
The card holder of a valid KBC Gold Credit Card or
KBC Platinum Credit Card who:
Owns an active credit
card (the card fee has been paid)
Has paid for the trip
with a means of payment available at KBC Brussels
Has
continuously been in possession of the credit card between the time
the trip was booked and when it was cancelled
The partner of the card holder is also covered, as are children
under 25 if:
They are registered as
being resident at the same address as the card holder
Or
fall within a system of joint physical custody
The insurance ends automatically when the contract
between KBC Bank NV and the insurer is terminated.
5. For what sums are you insured?
You're covered up to a maximum of:
10.000 euros (for trips
booked using a KBC Platinum Credit Card)
6.000
euros (for trips booked using a KBC Gold Credit Card)
No deductible applies to this cover.
Note: if your family has multiple credit cards, you can't add the
sums insured together.
6. What’s excluded?
Business trips
The share of people who are not insured in the cost of
cancelling the trip or cutting it short
Costs incurred by
the card holder's partner not registered as living at the same
address
Additional costs of an extended stay or repatriation
from abroad
Cancellation or cutting the trip short due to
an unstable medical condition or an injury that existed at the time
of booking
Claims resulting from excessive use of alcohol,
medication or drugs are not covered either
Trips without an
overnight stay
The conditions of cover are available in any KBC Brussels branch or at
www.kbc.be/gold. The
applicable general conditions alone determine your right to
compensation from the insurer.
7. How do you submit a claim?
When submitting a claim, you have to fill
in this form and send it to KBC Insurance. Make sure that the
dossier is complete. The additional documents to be included with the
claim are stated on the claims form, as are handy step-by-step instructions.
Did you know that...
To be covered, all that matters is that you paid for your trip using
a means of payment at KBC Brussels:
a KBC Brussels credit
card
a KBC Brussels Bank Card
a funds transfer from a
KBC Brussels account
an Omnia travel voucher
You’re also covered if you pay using a Payconiq app account
linked to one of our current accounts at the time you pay
Some examples
Sometimes you book a trip with friends and it's not totally clear how
everything has been paid. And what's the situation with that hotel
booking which didn't require you to pay a deposit? These examples give
you an idea of how exactly you are covered by this insurance.
1. Travelling with friends
You go away with some friends. One of you pays for all of the
flights and accommodation and you (the credit card holder) reimburse
your friend for your share of the trip. Are you covered?
Yes. If you reimbursed your friend for your share using a means
of payment from KBC, you're covered for your share of the trip if your
name is on the travel contract, rental contract or air ticket.
2. Booking a hotel without paying a deposit
You booked a hotel online and received a confirmation e-mail, but
you didn't have to pay a deposit. Are you covered?
Yes. Entering into a travel contract and receiving confirmation
of this, for example by e-mail, means that you're covered if you have
to cancel your trip or cut it short.
Good to know
Cancellation insurance is offered 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 KBC Group company
Belgian law applies to
all insurance. This insurance is a class 16 product (financial loss
insurance)
The conditions of cover are available
from any KBC Brussels branch or at www.kbcbrussels.be/gold or
www.kbcbrussels.be/platinum. The applicable general conditions alone
determine your right to compensation from the insurer.
Complaints? Your intermediary is your first point of contact for
any complaints you may have. If no agreement can be reached, you can
contact KBC Brussels Complaints Management, Brusselsesteenweg 100, 3000
Leuven, complaints@kbc.be, tel. 0800 62 084 (free number) or + 32 78 15 20 45 (pay number),
fax + 32 16 86 30 38. If this does not result in an appropriate
solution, you can contact the Insurance Ombudsman for the entire
industry at de Meeûssquare 35, 1000 Brussels, info@ombudsman.as, www.ombudsman.as. This does not affect your
legal rights.
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
You get cancellation insurance with the following credit cards
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