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.

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.

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.
 

• 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.