If you're negligent or make a mistake causing someone loss, damage or injury, they could sue you. Family insurance covers you for this, making it a virtual necessity for everyone.
Calculate your premium in KBC Brussels Touch, sign the policy and tomorrow you're already covered worldwide.
Use our KBC Brussels Assist app to file claims with us fast wherever you are, then we'll do the rest for you in no time.
Family insurance covers you for personal third-party liability. If someone suffers loss, damage or injury as a result of you being clumsy, negligent or forgetful or because of your children or dog, they could sue you for compensation. Family insurance covers you for this. The other way around, if you suffer loss, damage or injury because of someone else's mistake or negligence, our legal assistance policy in the context of your private life provides you with the necessary legal support and assistance to seek compensation for this damage. It is included as standard in your family insurance if you take it out through KBC Brussels Touch. Ask us today what KBC Family Insurance can do for you.
Family insurance isn't obligatory, yet nearly all Belgians have it for their family. You really can't do without it, especially if you have children. Little accidents can have big consequences. Say the worst happened and you paralysed someone. You could be paying for the rest of your life. KBC Family Insurance covers you in such situations for a relatively low premium.
If you need more than the standard insurance it provides, you can add cover like legal assistance insurance or insurance for your dog.
The family insurance claims we see most often are for things like
Here are the main types of cover provided by our family insurance and some key exclusions.
| Covered | Not covered |
| Personal third-party liability (claims by someone outside your family involving loss you're liable for) | Loss, damage or injury you cause to yourself or a member of your family |
| If you're liable, we'll pay the compensation | Loss, damage or injury due to gross misconduct by a member of your family aged 18 or over (including violence, theft and vandalism) |
| All those who live with you | Loss, damage or injury caused intentionally by a member of your family aged 16 or over |
| Loss, damage or injury caused by your animals to other individuals | Loss, damage or injury caused by your riding horses or by animals you're not allowed to keep as a private individual resident in Belgium |
KBC Family Insurance runs for one year and renews automatically unless you cancel it no later than three months before the principal renewal date.
These sums are linked to the consumer price index.
If you want to sue someone, say, for medical malpractice, our personal liability insurance with legal assistance is a big help. That's why we include it along with personal third-party liability insurance as part of our standard policy to make sure you're well and truly insured.
If you need it, we'll call in specialist help like lawyers, doctors or loss adjusters. We cover fees and outlays up to 100 000 euros per claim and for all beneficiaries combined. We don't apply a deductible or minimum amount, so we cover the full legal expenses.
What's included
There are a number of things we don't insure. These include fines and out-of-court settlements, offences like vandalism or fighting and disputes involving motor vehicle owners and drivers.
Claims involving performance of a contract are only insured if you've added our personal liability insurance with legal assistance including contractual disputes under your policy.
Comprehensive legal assistance insurance provides the same cover as our personal legal assistance insurance above, bar one key difference: coverage for legal support in contractual disputes for when you travel or make large purchases. Disputes must be for over 200 euros.
Consumer disputes could include when a
Our standard policy covers your liability for any loss, damage or injury that your dog causes to someone outside your family. However, that's not all that can go wrong, whether it involves your dog or someone else's. You can protect yourself against this by adding our dog insurance, a type of accident insurance policy.
What's insured?
We don't apply a deductible, so we pay from the first euro.
There are a number of things we don't insure. These include vet's fees if your dog is unwell or accidents not involving traffic in which your dog is the victim (like a fight with another dog) and dogs you keep or breed professionally.
For people who regularly perform extra-earnings activities or employ domestic staff, it is usually advisable (and sometimes compulsory!) to take out additional insurance. Your KBC Family Insurance policy lets you add
File claims with us quickly and easily using our KBC Brussels Assist app or directly with your KBC Brussels Insurance intermediary. If you can, it's advisable to take photographs where necessary to support your claim.
Your intermediary is the first point of contact for any complaints you may have. Their details are given in your policy available in KBC Brussels Touch. If you are unable to reach agreement, KBC Complaints Management will be pleased to assist you. Contact us at Brusselsesteenweg 100, 3000 Leuven, complaints@kbc.be, tel. 016 432 594 (free of charge) or + 32 78 15 20 45 (charges apply), fax + 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.as, www.ombudsman.as. This does not affect your legal rights.
Work out your KBC Family Insurance using KBC Brussels Touch in just 3 minutes, then take it out online right after.
Alternatively, just drop in to us to learn more and take out your family insurance.
KBC Family Insurance is a product provided by KBC Insurance NV, member of the KBC Group (Professor Roger Van Overstraetenplein 2, 3000 Leuven, Belgium. VAT BE 0403.552.563 – RLP Leuven – IBAN BE43 7300 0420 0601 – BIC KREDBEBB.)
Company authorised for all classes of insurance under code 0014 (Royal Decree of 4 July 1979; Belgian Official Gazette, 14 July 1979) by the National Bank of Belgium (de Berlaimontlaan 14, 1000 Brussels, Belgium).
Belgian law applies to this product.
