KBC
KBC is a motor casco insurance for the BE market with online purchase and limited assistance availability.
Direct payment
KBC uses a network of approved repairers; if the policyholder selects a repairer from this network, KBC handles the claim and pays the repairer directly. Policyholders retain the freedom to choose any repairer after expert appraisal, but direct payment is only available through the approved network.
Geographic scope
BE
Valid in Belgium; roadside assistance covers Belgium and Luxembourg (VAB); MTPL valid in all countries on international motor insurance certificate (green card)
Unique selling points
- Purchase price guarantee of up to 48 months for new vehicles (extended for electric vehicles), automatically including a 10% extra compensation on total loss or theft — well above the market norm.
- KBC is the only insurer in the Belgian market to automatically cover marten (pine marten) damage under a semi-comprehensive insurance policy.
- Replacement vehicle in Belgium automatically included with fully comprehensive insurance — up to 7 days for accident or breakdown and up to 30 days for theft — with no additional premium.
- No deductible for glass breakage when using an approved glass repairer, plus no deductible for a wide range of perils (fire, theft, natural perils, marten damage, total loss) under comprehensive insurance.
- After 5 consecutive claim-free years, policyholders receive a no-claims joker protecting their premium level after a single at-fault accident, with a 10% discount on MTPL premium from the first claim-free year.
Coverage limits
Own damage (collision and all risks)
Covered
Fully comprehensive insurance covers loss or damage to your own car caused by a collision, even if you caused it yourself. All risks are covered except those explicitly listed as exclusions in the general conditions.
SourceTotal loss / purchase price guarantee
Covered
In the event of total loss or theft: full reimbursement of the purchase price up to 48 months after purchase for new vehicles, or 24 months for second-hand vehicles. An optional '10% extra' compensation is automatically included in semi- and fully comprehensive insurance. No deductible applies in the event of total loss.
SourcePartial loss (own damage excluding total loss)
Covered
Partial damage to your own vehicle is covered under the fully comprehensive policy for all insured perils including collision damage. The selected deductible (250–1250 EUR) applies except for perils exempt from the deductible.
SourceTheft and robbery
Covered
Theft, robbery and vandalism during theft are covered. The cost of replacing locks or reprogramming the locking system if car keys are stolen is also covered. Medical expenses in the event of injury during a car-jacking or home invasion are included. No deductible applies for theft.
SourceGlass breakage
Covered
Glass breakage of car windows, windscreen and sunroof is covered. No deductible applies when you choose an approved glass repairer (e.g. Carglass). A deductible applies if you use a non-approved repairer.
SourceNatural perils / forces of nature
Covered
Damage caused by forces of nature (storm, lightning strike, flooding, hail) is covered. No deductible applies for natural perils under comprehensive insurance.
SourceVandalism
Covered
Vandalism is covered under fully comprehensive insurance. Under semi-comprehensive insurance, vandalism is covered only when it occurs during a theft (vandalism during theft). Standalone vandalism not linked to theft is not covered under semi-comprehensive.
SourceRoadside assistance (KBC-VAB)
Covered
KBC-VAB Roadside Assistance Insurance is automatically included with fully comprehensive insurance. It provides 24/7 breakdown assistance by VAB, at home or during trips in Belgium and Luxembourg, including towing and on-site repair. For semi-comprehensive, roadside assistance is an optional add-on.
SourceReplacement vehicle
Covered
A replacement vehicle in Belgium is automatically included with fully comprehensive insurance: up to 7 days in the event of an accident or breakdown, and up to 30 days if the vehicle is stolen. When using an approved repairer from the KBC network for semi-comprehensive claims, a replacement car is also provided during repairs.
SourceDriver accident insurance
Optional
Bodily injuries sustained by the driver in an accident are NOT covered by the comprehensive or semi-comprehensive insurance. The supplementary 'Driver accident insurance' is an optional add-on that covers medical expenses for the driver even if at fault, and also covers other drivers who drive the vehicle with the policyholder's permission.
SourceKey conditions
driver_age_experience_limit
No specific minimum driver age or experience limit is published on the verified KBC product pages for the standard comprehensive policy. The KBC MyFirstCar product offers a discounted premium for drivers under 30 who have taken out insurance in their own name for the first time and have been named on a parent's policy for at least one year. General conditions apply.
repair_network_requirements
KBC operates a network of approved repairers. Using an approved repairer enables direct claim handling by KBC (KBC pays the repairer directly) and provides a replacement vehicle during the repair period. Policyholders retain the freedom to choose any repairer; if a non-network repairer is selected, the policyholder receives compensation after the expert appraisal but must settle directly with that repairer.
territorial_scope
The comprehensive insurance is valid in Belgium. Roadside assistance (KBC-VAB) covers Belgium and Luxembourg for breakdown. MTPL is valid in Belgium and all countries not crossed out on the international motor insurance certificate (green card). Coverage for trips abroad depends on the specific insurance module.
anti_theft_requirements
Theft facilitated by leaving the vehicle unattended and unlocked on a public road is explicitly excluded. The full list of anti-theft conditions is in the general conditions. No specific mandatory anti-theft device requirements are published on the verified product pages.
claim_notification_deadline
The specific claim notification deadline is not explicitly stated on the verified product pages; the general conditions must be consulted. KBC recommends reporting claims online via KBC Mobile or KBC Touch for fastest processing. In the event of an accident with another party, a European Accident Statement must be completed.
deductible_rules
For fully comprehensive insurance, the policyholder chooses a deductible of 250, 500, 750, 1000 or 1250 EUR at inception. No deductible applies for: glass breakage (when using an approved glass repairer), fire, melt damage from short circuit, explosions, fire-extinguishing operations, theft, forces of nature, marten damage, falling aircraft, collisions with birds or stray animals, and total loss. For semi-comprehensive insurance, no deductible applies, except for glass breakage when using a non-approved repairer.
Where to buy
Documents
KBC Comprehensive Car Insurance product page (EN) – links to Insurance Information Document (IPID), General Conditions, and Segmentation Policy
other
KBC Omniumverzekering productpagina (NL) – links naar Informatiedocument verzekering, Algemene voorwaarden en Segmentatiebeleid
other
KBC Semi-Comprehensive Car Insurance product page (EN) – links to Insurance Information Document (IPID) and General Conditions
other
KBC Kleine Omnium productpagina (NL) – links naar Informatiedocument verzekering en Algemene voorwaarden
other
KBC Legal Documentation page (EN) – general terms, conditions and regulatory documents
other
KBC Documentatiepagina (NL) – algemene voorwaarden en juridische documenten
other
Policy specifics
Marten damage coverage
Coverage for damage caused by martens (pine martens) gnawing on vehicle cables and conduits
Replacement vehicle cover
Coverage for replacement vehicle in Belgium for up to 7 days for accident/breakdown or 30 days if vehicle stolen
Purchase price guarantee
Full reimbursement of purchase amount up to 48 months for new vehicles or 24 months for second-hand vehicles if total loss or stolen
Glass breakage with no deductible
No deductible applies for glass breakage when using approved glass repair companies or Carglass
KBC approved repairer network
KBC Insurance uses a network of approved repairers; selecting approved repairer enables direct claim handling
Deductible selection (250-1250 euros)
When taking out comprehensive insurance, policyholders choose deductible between 250-1250 euros
No-claims joker reward
After 5 consecutive claim-free years, customers receive joker allowing premium retention even after one at-fault accident
Life-long insurance guarantee
Customers aged 55-65 with 5+ years KBC insurance history and no accidents in 5 years entitled to guarantee that third-party liability not cancelled even after claim