KBC Casco (own-damage car insurance) (Omnium Alle Risicos)
Underwritten by KBC Insurance NV · Belgium
casco (own-damage car insurance) from KBC for the Belgium market, with online purchase and 24/7 assistance.
Last verified Aug 26, 2026Sources
Unique selling points
Purchase price guarantee reimbursing the full price of a new car for up to 48 months (24 months for second-hand cars) if declared a total loss or stolen.
Automatic '10% extra' compensation on top of the payout in case of total loss or theft, with no extra formalities.
Zero deductible for glass breakage when using a KBC-approved glass repairer, with the bill settled directly.
Automatic cover for damage caused by (pine) martens gnawing at cables and insulation in the engine bay.
Vehicle assistance and a replacement vehicle (up to 7 days after an accident/breakdown, 30 days after theft) are automatically included with fully comprehensive insurance.
Coverage limits
Own damage cover
Covered
Fully comprehensive (omnium) insurance covers damage to your own vehicle caused by a collision, even if you are at fault; no fixed monetary cap is stated, indemnification is based on the vehicle's value/repair cost minus the chosen deductible.
Section: Semi-comprehensive car insurance > Why take out semi-comprehensive insurance with KBC? > What is not covered?
Damage to your own car following an accident (for which you can take out our Fully Comprehensive Insurance)
Total loss cover
Covered
If the vehicle is declared a total loss, KBC reimburses the full purchase price up to 48 months after purchase of a new car (24 months for a second-hand car), plus an optional automatic 10% extra compensation, and vehicle registration tax is covered free of charge.
Section: Car insurance > Check out KBC Car Insurance
Our comprehensive insurance gives you peace of mind should anything go wrong, as we will reimburse the full purchase amount up to 48 months after the purchase of a car. We will also increase the compensation by 10% if the car is declared a total loss
Partial loss cover
No limit stated
Sources do not distinguish a separate 'partial loss' benefit from general own-damage cover under the fully comprehensive policy.
Theft / robbery
Covered
Covers theft of the vehicle, including the cost of replacing locks or reprogramming the locking system if car keys are stolen, and medical expenses if injured during a carjacking or car theft; if stolen and not found within 15 days, it is treated as a total loss.
Section: Comprehensive car insurance > Why take out comprehensive insurance with KBC? > Insured
The cost of replacing locks or reprogramming the locking system if your car keys are stolen Medical expenses if you were injured in a carjacking or car theft
Glass damage
Covered
Covers breakage of car window glass or the sunroof; no deductible applies when using a KBC-approved glass repair company, with the bill settled directly with the repairer.
Section: Semi-comprehensive car insurance
No deductible applies when you choose a glass repair company approved by us . We will settle the bill directly with the repairer.
Natural perils / forces of nature
Covered
Covers hail damage or damage caused by another force of nature (storm, lightning, flood, etc.), as well as fire, explosion, fire-extinguishing activities, and damage from melting due to a short circuit; no deductible applies for these perils.
Section: Semi-comprehensive car insurance > Why take out semi-comprehensive insurance with KBC? > What is covered?
Hail damage or damage caused by another force of nature (storm, lightning, flood, etc.) Damage caused by fire, explosion or fire-extinguishing activities (including damage caused by melting due to a short circuit)
Vandalism
Covered
The fully comprehensive omnium policy lists vandalism among the insured perils (alongside collision, fire, glass breakage, theft, forces of nature, and marten damage).
Section: Omniumverzekering voor je auto > Waarom kiezen voor de omniumverzekering van KBC? > Wat is verzekerd?
Schade door aanrijding, brand, glasbreuk, diefstal, vandalisme, natuurgeweld, verkeerd tanken, botsing met loslopende dieren of vogels, knagen van marters
Roadside / vehicle assistance
Covered
Fully comprehensive insurance automatically includes vehicle assistance (KBC-VAB), covering breakdown assistance following an accident or breakdown, including abroad.
Section: Car insurance > Optional add-on cover for your car insurance > 3. Vehicle assistance and personal assistance
If you take out fully comprehensive insurance , your policy automatically includes vehicle assistance and replacement vehicle cover .
Replacement vehicle
Covered
A replacement vehicle is provided in Belgium for up to 7 days following an accident or breakdown, and for up to 30 days if the vehicle is stolen; automatically included with fully comprehensive insurance.
Section: Comprehensive car insurance
Replacement vehicle in Belgium for up to 7 days if you have an accident or your car breaks down, and for up to 30 days if your vehicle is stolen
Driver accident (bodily injury) insurance
Optional
Standard third-party liability insurance and comprehensive or semi-comprehensive insurance do NOT cover bodily injuries sustained by the driver in an at-fault accident; a separate supplementary 'Driver Accident Insurance' must be taken out for this cover.
Section: Car insurance > Optional add-on cover for your car insurance > 2. Driver accident insurance
Standard third-party liability insurance and comprehensive or semi-comprehensive insurance do NOT cover bodily injuries you sustain in an accident you caused.
Key conditions
Driver age and experience limit
No general minimum age/experience limit is stated for the omnium policy itself, but if a household member with a provisional driving licence also drives the car, they must be declared on the policy (KBC Start2Drive).
Repair network requirements
The policyholder can freely choose their repairer; using a repairer from KBC's approved network allows direct settlement of the claim, whereas using another repairer means the policyholder pays first and is reimbursed afterwards.
Anti-theft requirements
The sources reviewed do not specify any mandatory anti-theft device requirements for this product.
Claim notification deadline
The sources reviewed do not specify an exact claim notification deadline; policyholders are advised to always carry a European Accident Statement and report claims as soon as possible via KBC Mobile or KBC Touch.
Deductible rules
Fully comprehensive insurance lets you choose a deductible between 250 and 1,250 euros; no deductible applies for glass breakage (approved repairer), fire, theft, forces of nature, marten damage, falling aircraft/parts, collisions with animals, or total loss.
Direct payment
If you use a repairer or glass-repair company from KBC's approved network, KBC settles the bill directly with the repairer; if you choose your own repairer, you pay first and are reimbursed afterwards.
Territorial scope
The product is governed by Belgian law; the replacement vehicle benefit is valid within Belgium, while KBC-VAB breakdown assistance also covers Belgium and Luxembourg as well as trips abroad.
Documents
KBC Omnium Car Insurance – Product Page (opens in a new tab)
Product page · PDF
KBC Mini Omnium – Terms and Conditions (opens in a new tab)
Terms & conditions · PDF
Insurance Policy Terms and Conditions (IPID) (opens in a new tab)
Product information sheet · PDF
Legal Documents (opens in a new tab)
Other document · PDF
Policy specifics
Replacement vehicle cover
Provision of replacement vehicle for up to 7 days following accident or breakdown, and up to 30 days if vehicle is stolen
SourceSection: Comprehensive car insurance
Replacement vehicle in Belgium for up to 7 days if you have an accident or your car breaks down, and for up to 30 days if your vehicle is stolen
Glass breakage - zero deductible
No deductible applies for glass breakage when using KBC-approved glass repair company
SourceSection: Car insurance > Learn more about your car insurance
– Glass breakage: provided you choose a glass repair company approved by us
Marten damage coverage
Coverage for damage caused by martens gnawing at pipes, cables, or insulation in engine bay
SourceSection: Semi-comprehensive car insurance
This insurance automatically covers damage caused by martens gnawing at pipes, cables or insulation in the engine bay .
Deductible range
Fully comprehensive insurance offers choice of deductible between 250 and 1,250 euros
SourceSection: Car insurance > Learn more about your car insurance
When you take out comprehensive insurance , you choose a deductible that suits your budget , ranging from 250 to 1 250 euros.
Purchase price guarantee
Full purchase price reimbursement up to 48 months after car purchase if vehicle is declared total loss or stolen
SourceSection: Car insurance > Learn more about your car insurance
If you’re insuring a new vehicle , you’ll get the full amount you paid up to 48 months after purchasing it.
Personal assistance - optional
Personal assistance cover for policyholder and family in case of accident or illness while travelling is optional, not included as standard
SourceSection: Comprehensive car insurance
Assistance for you and your family (optional: you can also take out this comprehensive insurance without personal assistance cover)
Repair network option
Policyholder can choose to use KBC-approved repair network for faster claim processing and direct settlement, or free choice of repairer
SourceSection: Semi-comprehensive car insurance
You are free to choose where you have your vehicle repaired. KBC Insurance uses a network of repairers . If you select one of these repairers, KBC Brussels will handle the claim directly if possible.
Vehicle assistance - automatic inclusion
Fully comprehensive insurance automatically includes vehicle assistance and roadside breakdown coverage; not available as standalone with semi-comprehensive
SourceSection: Car insurance > Optional add-on cover for your car insurance > 3. Vehicle assistance and personal assistance
If you take out fully comprehensive insurance , your policy automatically includes vehicle assistance and replacement vehicle cover .
Claim settlement procedure
Claims handled by insurance agents; direct settlement with approved repairers when using repair network; reimbursement to policyholder otherwise
SourceSection: Comprehensive car insurance
Any damage? With us, you’re not on your own when it comes to claiming. There’s always a %% bank %% Insurance agent nearby who will be happy to help you with your claim .
Sources
- kbc.behttps://www.kbc.be/retail/en/insurance/vehicle/car-insurance.html(opens in a new tab)
- kbc.behttps://www.kbc.be/retail/en/insurance/vehicle/comprehensive-car-insurance.html(opens in a new tab)
- kbc.behttps://www.kbc.be/retail/en/insurance/vehicle/semi-comprehensive-insurance.html(opens in a new tab)
- kbcbrussels.behttps://www.kbcbrussels.be/retail/en/insurance/vehicle/car-insurance.html(opens in a new tab)
- kbcbrussels.behttps://www.kbcbrussels.be/retail/en/insurance/vehicle/comprehensive-car-insurance.html(opens in a new tab)
- kbcbrussels.behttps://www.kbcbrussels.be/retail/en/insurance/vehicle/semi-comprehensive-insurance.html(opens in a new tab)
KBC Casco (own-damage car insurance)