Reviewed from source documents

KBC Insurance NV

KBC

KBC 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 Insurance NV
Online purchase24/7 helpline

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.

Geographic scope

Belgium (nationwide)

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.

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.

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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.

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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.

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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.

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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.

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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.

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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).

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Roadside / vehicle assistance

Covered

Fully comprehensive insurance automatically includes vehicle assistance (KBC-VAB), covering breakdown assistance following an accident or breakdown, including abroad.

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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.

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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.

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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.

Territorial scope

The product is governed by Belgian law; the replacement vehicle benefit applies within Belgium, while KBC-VAB assistance also extends to Belgium, Luxembourg, and trips abroad.

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.

Where to buy

Calculate and buy comprehensive car insurance online (KBC)
Omnium car insurance simulator (KBC, Dutch)

Documents

KBC Omnium Car Insurance – Product Page

Product page

Open

KBC Mini Omnium – Terms and Conditions

Terms & conditions

Open

Insurance Policy Terms and Conditions (IPID)

IPID

Open

Legal Documents

Other document

Open

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

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Glass breakage - zero deductible

No deductible applies for glass breakage when using KBC-approved glass repair company

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Marten damage coverage

Coverage for damage caused by martens gnawing at pipes, cables, or insulation in engine bay

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Deductible range

Fully comprehensive insurance offers choice of deductible between 250 and 1,250 euros

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Purchase price guarantee

Full purchase price reimbursement up to 48 months after car purchase if vehicle is declared total loss or stolen

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Personal assistance - optional

Personal assistance cover for policyholder and family in case of accident or illness while travelling is optional, not included as standard

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Repair network option

Policyholder can choose to use KBC-approved repair network for faster claim processing and direct settlement, or free choice of repairer

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Vehicle assistance - automatic inclusion

Fully comprehensive insurance automatically includes vehicle assistance and roadside breakdown coverage; not available as standalone with semi-comprehensive

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Claim settlement procedure

Claims handled by insurance agents; direct settlement with approved repairers when using repair network; reimbursement to policyholder otherwise

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