Reviewed from source documents

CBC Banque SA (insurance products distributed under the commercial name "CBC Assurances", underwritten by KBC Assurances SA)

CBC

CBC is a motor casco insurance for the Belgium market with online purchase and 24/7 assistance.

Last verified Aug 26, 2026Reviewed by: Boleron EUUnderwritten by: KBC Assurances
Online purchase24/7 helpline

Direct payment

CBC pays approved repairers directly for omnium claims when the policyholder chooses a KBC Assurances-approved repairer, so the client does not need to advance any payment.

Geographic scope

Belgium (nationwide)

Vehicle assistance under the full omnium is valid throughout geographic Europe, while assistance to persons is valid worldwide regardless of the means of transport used.

Unique selling points

  • CBC is the only insurer on the Belgian market to cover marten damage to cables and hoses as standard, even in the partial omnium.
  • A purchase-price guarantee reimburses the full investment for up to 48 months for new/electric vehicles and 24 months for used vehicles in case of total loss or theft.
  • No deductible is applied for fire, theft in a locked garage, natural forces, marten damage, or collision with stray animals or birds, even in case of total loss.
  • The automatically included '10% supplement' option increases the total-loss or theft indemnity by 10% with no justification required, and is chosen by more than 4 out of 5 customers.
  • Using CBC's approved repairer network guarantees direct settlement of the repair bill and an automatic replacement vehicle for the duration of repairs.

Coverage limits

Own Damage (Collision / At-Fault Damage)

Conditional

Only in omnium complète (tous risques)

Damage to the insured vehicle resulting from a collision, including when the policyholder is at fault, is covered under the full omnium (omnium tous risques/complète); this cover is not included under the partial omnium, which only covers a limited list of named perils.

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Total Loss Settlement

Covered

In case of total loss, the full omnium offers a choice of 4 settlement formulas (guaranteed value, agreed value, new value, accelerated depreciation) while the partial omnium offers a choice of 2 formulas (agreed value, accelerated depreciation); both tiers reimburse the registration tax (TMC) and fiscal stamp, and a purchase-price guarantee applies (up to 48 months for new/electric vehicles, 30 months for new fossil-fuel vehicles, and 24 months for used vehicles).

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Partial Damage

Conditional

The full omnium covers virtually all partial damage except exclusions listed in the general terms (e.g. drunk driving above 1.5‰, theft facilitated by an unattended/unlocked vehicle, driver not meeting legal requirements, wear and tear); the partial omnium only covers partial damage arising from named perils (theft/attempted theft, glass breakage, natural forces, fire/explosion, collision with animals or birds, falling aircraft parts).

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Theft and Robbery

Covered

Theft and attempted theft of the vehicle are covered under both the full and partial omnium, including damage caused during the theft (accident or vandalism); medical costs for injuries following a violent theft (car-jacking or home-jacking) and lock replacement/reprogramming costs after key theft are also reimbursed, even without damage to the vehicle.

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Glass Breakage

Covered

Breakage of windows or the transparent part of the roof is covered under both the full and partial omnium; no deductible applies if the repair is carried out via a CBC-approved method (approved repairer or Carglass).

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Natural Perils

Covered

Damage caused by the forces of nature (lightning, storm, hail, flooding, earthquake) is covered under both the full and partial omnium, with no deductible applied.

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Vandalism

Covered

Vandalism is fully covered under the full omnium; under the partial omnium it is only covered when it occurs during the course of a theft or attempted theft of the vehicle.

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Roadside / Vehicle Assistance

Conditional

Only in omnium complète (tous risques)

CBC-Auto Assistance (vehicle and persons assistance) is automatically included within the full omnium; for the partial omnium or a standalone RC policy, assistance must be purchased separately as the CBC-Auto Assistance product, available in 3 formulas.

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Replacement Vehicle

Conditional

Only in omnium complète (tous risques)

A replacement vehicle in Belgium for a maximum of 7 consecutive days is automatically provided under the full omnium in case of accident, breakdown, or theft; this benefit is not automatically included under the partial omnium.

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Driver Accident Insurance

Optional

Driver/traffic accident cover, which pays pre-agreed lump sums for bodily injury to the driver and family members regardless of fault, is a separate, optional cover within the Police Voiture CBC and is not part of the omnium; policyholders choose among 5 capital tiers.

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Key conditions

Driver age and experience limit

The sources reviewed do not specify a minimum driver age or experience requirement for CBC Casco (omnium) cover.

Repair network requirements

Policyholders may freely choose their repairer, but if they use a KBC Assurances-approved repairer, CBC settles the repair bill directly with the garage and automatically provides a replacement vehicle for the repair duration; glass damage repaired at an approved repairer or Carglass is also exempt from the deductible.

Territorial scope

Vehicle assistance under the full omnium (CBC-Auto Assistance) is valid throughout geographic Europe, while assistance to persons is valid worldwide regardless of the means of transport used.

Anti-theft requirements

For certain vehicle types, installation of an anti-theft protection device is mandatory under both the full and partial omnium cover.

Claim notification deadline

The sources reviewed do not state a specific claim notification deadline for this product; policyholders should refer to the general policy conditions.

Deductible rules

Under the full omnium, the policyholder chooses a deductible expressed as a percentage of the vehicle's catalogue value excluding VAT (2.5%, 3.5%, 5%, 7.5% or 10% per the IPID) or, per more recent CBC product pages, a fixed deductible between €250 and €1,250; no deductible applies to theft (if the car was in a locked individual garage), glass damage repaired via an approved method, fire, natural forces, or collision with stray animals or birds, even in case of total loss. Under the partial omnium, no deductible applies except for theft (if the vehicle was not in a locked individual garage) or glass damage not repaired via an approved method.

Where to buy

CBC Omnium Insurance - Product & Subscription Page
Calculate Your CBC Car Insurance Premium

Documents

Police Voiture CBC - IPID Product Information Sheet

IPID

Open

Policy specifics

Marten (Pine Marten) Damage Coverage

Coverage for damage caused by martens (fouines) to vehicle cables, hoses, and motor compartment isolation in both full and partial omnium

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Total Loss Price Guarantee

Full reimbursement of purchase price in case of total loss or theft within 30 months for fossil fuel vehicles and 48 months for electric vehicles

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Lock Replacement and Reprogramming Costs

Coverage for lock replacement and key system reprogramming costs after theft of vehicle keys

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Supplementary Equipment Indemnification

Indemnification of supplementary equipment (winter tires, roof rack) that cannot be used after total loss

SourceSource no longer reachable

Registration Tax (TMC) Refund

Refund of registration tax (Taxe de mise en circulation - TMC) in case of total loss or theft

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Deductible (Franchise) Options

Policyholder can choose deductible between €250 and €1,250

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10% Supplement Indemnity Option

Option to increase indemnity by 10% in case of total loss or theft without additional formality

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Approved Repair Network

Option to use KBC Assurances approved repair network for direct damage settlement and replacement vehicle provision

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Optional Assistance for Persons (Family)

Optional coverage for assistance to policyholder and family members in case of accident or emergency during travel

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Policy Duration and Renewal Terms

Policies are valid for 1 year and automatically renewed; consumer can terminate with 2 months notice after first year; insurer must give 3 months notice to terminate

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Sources