You can do more with Kate Coins
You can use them to shop and enjoy great food, but also to laugh, get your roof fixed or pay your broker’s fee.
Whatever you choose to do with them, one thing is certain: you can do more with Kate Coins.
Step 1: Earn
You can earn Kate Coins in all sorts of ways: not just from KBC Brussels, but from our partners as well.
Step 2: Use
You can now decide what you want to spend your Kate Coins on.
- If you spend your Kate Coins at KBC Brussels and our partners, they are always worth more than one euro each
- You can also save them for later – the benefits available change regularly and there are always great new deals to be discovered
- If you didn't use your Kate Coins during the year, they will be automatically converted to euros and deposited in your account at a rate of one euro per Kate Coin unless you indicate that you would prefer to keep them
Use your Kate Coins and choose your benefit
Earn your Kate Coins
Opt for ‘Personalised’ to receive Kate Coins from our partners
The Kate Coins benefits programme is only available to KBC Brussels customers who have opted for ‘personalised’ commercial offers in KBC Brussels Mobile and hold a current account at KBC Brussels.
Where can you find Kate and Kate Coins?
- Just tell Kate: ‘Show my Kate Coins’.
- Kate will show you an overview of all your options. You can learn more about what Kate Coins are, see your balance, and find out how to receive and use your Kate Coins.
- Or tap the tile on the far left in your KBC Brussels Mobile.
Good to know about KBC Home Assistance
Belgian law applies to this product.
Your intermediary is your first point of contact for complaints. If agreement cannot be reached, please contact KBC Complaints Management: Brusselsesteenweg 100, 3000 Leuven – E-mail: complaints@kbc.be – Tel.: tel. 016 43 25 94 (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 – E-mail: info@ombudsman.as – Website: www.ombudsman.as.
This does not affect your right to take legal action.
Contact your insurance expert to request a quotation for KBC Home Assistance or use KBC Brussels Mobile.
KBC Home Assistance is a product of 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 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.
Member of the KBC Group
Read this information carefully before taking out this insurance
What is insured?
When do we provide assistance?
- You have an electricity outage
- Your heating or air conditioning stops working and the interior temperature becomes unpleasant
- You have no running water in your home or no hot water in your bathroom
- Your toilet's blocked (other than due to the septic tank being full)
- Wasps or bees have nested on or in your home
- You can't leave or enter your home because the entrance is barred or blocked, because your keys have been stolen or lost or because you've locked yourself out
- Your home is no longer wind and watertight, for instance because the roof or a window is damaged
When do we not provide assistance?
- Due to circumstances for which you are responsible, the person providing assistance cannot get into your home at the appointed time
- The problem for which you request assistance is your own responsibility because you failed to repair a known defect or did not have full repairs done after a previous intervention
- The problem is due to deliberate acts or omissions by an occupant or poor maintenance or material decay of your home
- The network supplier interrupts or cuts off the gas, electricity or water supply
- There is damage to domestic appliances like a fridge, oven, extractor hood, cooker or portable radiator
- Poor or non-working of an integrated switch, electronic circuit, microchip, microprocessor, hardware, software, computer, alarm or domestic electronic equipment, telecommunications equipment or similar electronic systems
Good to know about KBC Family Insurance
- This product is governed by the laws of Belgium.
Insurance cover under this policy is valid for a term of one year and is tacitly renewed unless you cancel it no later than three months before the main renewal date.
For policies taken out or tacitly renewed on or after 1 October 2024, you have up to two months before the main renewal date to cancel them. As from the second insurance year, you can cancel your insurance at any time, with effect after two months have elapsed from the day after the registered letter was submitted for delivery, the writ was served or the date of the acknowledgement of receipt.- Your intermediary is the first point of contact for any complaints you may have. If no agreement can be reached, please contact KBC Brussels Complaints Management, Brusselsesteenweg 100, 3000 Leuven, complaints@kbc.be, tel. 016 43 25 94. 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-insurance.be, www.ombudsman-insurance.be.
- This does not affect your legal rights.
To request a premium calculation for KBC Family Insurance, visit www.kbcbrussels.be, use KBC Brussels Touch or KBC Brussels Mobile, or contact your Insurance Expert.
KBC Family Insurance is a product provided by KBC Insurance NV – Professor Roger Van Overstraetenplein 2 – 3000 Leuven – Belgium.
VAT 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).
Member of the KBC group
Read this information carefully before taking out this insurance
What is and isn’t covered?
Covered
- Loss, damage or injury caused to other individuals
We will compensate the person who suffered the loss, damage or injury. This applies, among others, to
- any loss, damage or injury caused by your animals to other individuals
- damage to entrusted goods
- Loss, damage or injury caused by the actions of another person
If you take out personal legal assistance insurance, we’ll help you get compensation from the liable party. If they are unable to pay, we’ll pay up to 12 500 euros in compensation. This figure is doubled in the case of bodily injuries.
Not covered
- Loss, damage or injury which you cause to yourself or family members
- Loss, damage or injury resulting from gross negligence on the part of a member of your family aged 18 or older
- Loss, damage or injury caused intentionally by a member of your family aged 16 or older
- Loss, damage or injury caused by your riding horses or by animals that you, as a private individual residing in Belgium, are not allowed to keep
- Fines and out-of-court settlements
- Disputes in which you are involved as the owner or driver of a motor vehicle that is subject to compulsory motor insurance
Compensation and deductible
- For bodily injuries, we provide cover of up to 30 million euros per claim event and there's no deductible to pay.
- We provide cover of up to 10 million euros for material damage (with a compensation limit of 15.000 euros for damage to entrusted goods) and you pay a deductible of 250 euros per claim event.
KBC Multi-Trip Travel Insurance is a form of property damage insurance provided by KBC Insurance.
What’s covered?
Personal assistance cover mainly covers health problems while travelling (such as illness or accidents) and the inconvenience they can cause (hospitalisation, repatriation, forced extended stays, transfer of family members, etc.). Medical expenses incurred abroad are covered for up to 500 000 euros per person. The amount you pay towards medical expenses (deductible) is 100 euros.
Cancellation cover (worldwide) reimburses you for the costs you cannot recover or have to incur if you have to cancel your trip unexpectedly or return home early. Valid reasons for this are:
- Health-related reasons (such as illness, an accident or death)
- Work and study (such as examination resits, dismissal, etc.)
- Government and travel formalities (such as a call for jury duty or a travel warning or travel alert issued by the Belgian Ministry of Foreign Affairs after the trip was booked, etc.)
- Missed aeroplane, boat or train (unexpected delay of the booked transport by at least 48 hours, etc.)
Compensation is capped at 12 500 euros per trip for all insured persons combined.
Luggage cover insures the following:
- Theft, damage to your luggage and loss of your luggage by the transport company
- While travelling, you are covered for theft involving personal violence or threats of personal violence, theft following a break-in to a vehicle or the place where you are staying, and damage or destruction caused by a sudden and unexpected event, such as a collision
We insure the luggage you have with you on your trip as well as sports equipment, non-motorised vehicles, boats and riding animals you rent or are allowed to use for free while travelling, up to the value of 1 500 euros per insured person.
A deductible of 100 euros per claim is deducted from the compensation provided. This deductible does not apply to claims resulting from rendering assistance to persons in distress.
Travel accident cover provides compensation if you sustain permanent injuries or die. If you die within three years as a result of the accident, we pay compensation of 10 000 euros to the cohabiting partner, or if there is no partner, we divide this sum among the heirs. We also reimburse the funeral expenses actually incurred up to an amount of 10 000 euros. Payment is made to the person who incurred these expenses.
In the event of a permanent disability, we pay compensation calculated on the basis of the degree of disability as specified in the ‘Officiële Belgische Schaal ter bepaling van de Graad van Invaliditeit’ [Official Belgian scale for determining the degree of disability]. You receive 5 000 euros per commenced bracket of 5% on this scale. For example, we pay 50 000 euros for a 50% degree of disability and 55 000 euros for a 51% degree of disability. A degree of disability less than 6% is not covered. A permanent disability of at least 67% is equivalent to full physical disability, in which case you would receive 100 000 euros.
Travel disputes cover provides you with legal assistance and support while you are travelling, or in relation to the trip you have booked. Events covered include disputes with tour operators, rental companies, repair companies and other service providers, problems involving the police and government authorities abroad. The above costs are covered up to an amount of 50 000 euros per claim for all the insured combined. Our own management fees are not included.
What are the main exclusions?
Under Personal assistance cover: complications occurring after the sixth month of pregnancy and the costs associated with childbirth, complications or worsening of an existing illness if the prescribed treatment has not been followed, participation in professional sporting activities (including training for such sports) and participation in extreme outdoor activities.
Under Cancellation cover: events you were already aware of before you booked the trip or took out the insurance that mean that the cancellation is not unexpected, complications or worsening of an existing illness that can be regarded as a normal part of the illness, which were known when you booked the trip.
Under Luggage cover: damage to your luggage caused by use, cleaning, treatment or repair, and damage you cause intentionally.
Under Travel accident cover: accidents that occur as a result of participation in extreme outdoor activities, such as base jumping, heli-skiing or wreck diving, and participation in professional sporting activities (including training for such sports).
Under Travel disputes cover: disputes between individual insured persons, travel for medical purposes and scheduled medical treatment outside Belgium and the potential resulting complications or additional treatment required in Belgium, and time-shares.
You can take out the personal assistance cover, luggage cover, extra-protection travel accident cover and travel disputes cover up to a day before your departure date. Cancellation cover must be taken out at least one month before the departure date.
Complaints about your insurance
Your intermediary is the first point of contact for any complaints you may have. If no agreement can be reached, please contact KBC Complaints Management at complaints@kbc.be. If you cannot find a suitable solution, you can contact the Belgian insurance industry's ombudsman service, Ombudsman van de Verzekeringen: info@ombudsman-insurance.be, www.ombudsman-nsurance.be. This does not affect your legal rights.
Useful information about your travel insurance
All of these products are governed by the laws of Belgium. The insured persons must reside in Belgium and have their principal residence there.
You can easily take out personal assistance cover, luggage cover and extra- protection travel accident cover online – even up to the day before you depart. Travel disputes cover cannot be taken out online. Cancellation cover must be taken out at least one month before the departure date.
Contact your insurance expert or visit our website to request a quote for KBC
Multi-Trip Travel Insurance.
The product fact sheets and the General Conditions can be consulted on the KBC Brussels website. Be sure to read this information carefully before taking out the insurance. The different forms of cover in these policies apply for a term of one year and are tacitly renewed unless they are cancelled no later than three months before the main renewal date.
KBC Insurance NV, Professor Roger Van Overstraetenplein 2, 3000 Leuven, Belgium, VAT BE 0403.552.563. RLP Leuven. 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). Member of the KBC group.
