Car insurance

If your child has obtained a provisional driving licence and they are driving your car, make sure to add your child as a driver in your car insurance policy. Your child can start accumulating no-claim years with KBC Start2Drive and pay less for car insurance if they take out car insurance with us later. Learn more about KBC Start2Drive.

Since driving less reduces the risk of accidents, you get a discount if you drive less than 15 000 km a year. Your premium will be lower still if you drive less than 7 500 km a year.

If you’re aged between 55 and 65, have been a customer with KBC Insurance for five years or more and haven’t had an accident in the last five years, you are entitled to our life-long insurance guarantee. You can rest assured that your compulsory third-party liability insurance will not be cancelled – even in the event of a claim, unless you ignore or violate the general conditions.

• If you’re insuring a new vehicle, you’ll get the full amount you paid up to 48 months after purchasing it.
• We offer a 24-month purchase price guarantee for second-hand vehicles.

The deductible (or excess) is the amount you have to pay when making a claim. If you take out fully comprehensive insurance, 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, forces of nature, damage caused by martens, falling aircraft or parts thereof, or collision with stray animals or birds – even if the vehicle is declared a total loss.
• No deductible applies in the event of glass breakage when you choose Carglass or a repairer approved by us. We will arrange payment directly with the repairer.

When you take out semi-comprehensive insurance, no deductible applies. However, if you need to have broken glass repaired and you choose not to use a glass repair company approved by us, you’ll be required to pay a deductible.

With the ‘10% extra compensation option’, we increase the compensation by 10% – with no further formalities required – to cover any items that may have been lost or damaged in the process. This option is automatically included in our semi- and fully comprehensive insurance.

Make sure you always have a European Accident Statement in your vehicle. You can get one from your KBC Brussels insurance agent or bank branch.

If you’re involved in an accident with another party, both you and the other party need to fill in the statement (see how). Be sure to specify the repairer where you want to have your vehicle repaired following an accident. KBC Brussels uses a network of repairers.

If you also report your claim online using KBC Brussels Mobile or KBC Brussels Touch, we’ll ensure everything is followed up and processed as quickly as possible.

To switch to KBC Brussels, all you need to do is calculate and apply for your insurance online or contact one of our insurance agents. If you decide to conclude a contract with us, we’ll arrange the cancellation of your current contract with the other insurer.

We tailor your premium to your personal situation based on various criteria, such as the type of vehicle you drive, your driving behaviour and the type of insurance you want to take out. For instance, if you have a no-claims history and you apply for insurance for your new vehicle, you’ll pay a lower premium. 

If you’ve put together your insurance package and agree with the proposed premium amount, go ahead and launch the application process. Keep your chassis number handy. You can find it on your vehicle’s registration certificate. If you’re insuring a used vehicle, you’ll also need its initial registration date.

Yes. Our insurance covers you as policyholder as well as any people who drive your car with your permission or who are passengers. Any person who drives the vehicle for more than 2 500 km per year must be included in the policy.   

A certificate of insurance (this also used to be known as the ‘green card’) serves as proof that your vehicle is properly insured for the term specified on the document. KBC Brussels no longer issues a paper version of this document. The certificate of insurance is now white and digital. Just ask Kate for a ‘certificate of insurance’ and it will pop up right away. Learn more.

If you have a learner driver in the family, you’ll obviously want them to be properly insured when they go out on the road. Start2Drive is our car insurance for under 30s who are learning to drive in their parents' car. It enables your child – as a young driver – to build up a no-claims history and pay less for car insurance if they take out car insurance with us later. Register your child as driver under your car insurance within 12 months of them getting their provisional driving licence by simply logging in to KBC Brussels Mobile or KBC Brussels Touch. That way, your son or daughter can take to the road properly insured.

Time for that first car? MyFirstCar is an insurance policy that’s specially designed for young people who are buying a car for the first time. Coming with a low premium, it’s affordable cover for young drivers before they take to the road. If you’re under 30, have taken out car insurance in your own name for the first time and have been a named driver under your parents' insurance for at least one year, we’ll give you a cheaper premium.

Did you know that you can conveniently work out and apply for your car insurance in KBC Brussels Touch or KBC Brussels Mobile? You’ll even get the same low rate online as you would at your branch.

Accident, glas breakage, theft? Help with filing a car accident claim.

Looking to insure your electric vehicle? Learn more here.