KBC Brussels Casco (own-damage car insurance) (Omnium Alle Risico)
Underwritten by KBC Insurance NV · Belgium
casco (own-damage car insurance) from KBC Brussels for the Belgium market, with online purchase and 24/7 assistance.
Last verified Aug 27, 2026Sources
Unique selling points
48-month purchase price guarantee reimbursing the full purchase price of a new car in case of total loss or theft.
Automatic 10% increase in compensation on total loss or theft claims, with no formalities required.
Vehicle assistance and a replacement vehicle are automatically included in the comprehensive policy, with no need to purchase them separately.
Free choice of repairer, but selecting one from KBC's approved network allows direct claims handling and a courtesy car during repairs.
Broad all-risks scope that also covers vandalism, wrong fuel, animal collisions, and marten gnawing damage, in addition to fire, theft, and glass breakage.
Coverage limits
Own damage coverage (all-risks)
Covered
All Risks Comprehensive Insurance under KBC Vehicle Insurance Passenger car is a fully comprehensive insurance policy covering all loss and damage except cases explicitly listed in the general conditions exclusions.
Section: Good to know
All Risks Comprehensive Insurance under KBC Vehicle Insurance Passenger car is a fully comprehensive insurance policy.
Total loss coverage
Covered
In case of total loss or theft, compensation is automatically increased by 10%, and a purchase price guarantee applies reimbursing the full purchase price of a new car up to 48 months after purchase, or the purchase price of a second-hand car for 24 months.
We will increase the compensation by 10% if your car is stolen or declared a total loss – with no further formalities required – to cover any items that may have been lost or damaged in the process.
Partial loss / repair coverage
Covered
Under the all-risks principle, repairable damage to the insured vehicle is covered unless explicitly excluded in the general conditions.
Section: Why take out comprehensive insurance with KBC Brussels?
Our fully comprehensive insurance also includes all risks cover: all loss and damage is covered , except for cases explicitly included on the list of events not insured in the general conditions .
Theft / robbery coverage
Covered
Theft is covered under the all-risks principle; damage covered includes theft, among collision, fire, glass breakage, vandalism, forces of nature, wrong fuel, animal collisions, and marten gnawing.
Section: Why take out comprehensive insurance with KBC Brussels? > Insured
Damage caused by a collision, fire, glass breakage, theft, vandalism, forces of nature, filling up with the wrong type of fuel, collisions with stray animals or birds, and gnawing martens
Glass breakage coverage
Covered
Glass breakage is covered under the all-risks principle covering all loss and damage except cases explicitly excluded in the general conditions.
Section: Why take out comprehensive insurance with KBC Brussels?
Our fully comprehensive insurance also includes all risks cover: all loss and damage is covered , except for cases explicitly included on the list of events not insured in the general conditions .
Forces of nature coverage
Covered
Damage caused by forces of nature is covered under the comprehensive all-risks policy.
Section: Why take out comprehensive insurance with KBC Brussels? > Insured
Damage caused by a collision, fire, glass breakage, theft, vandalism, forces of nature, filling up with the wrong type of fuel, collisions with stray animals or birds, and gnawing martens
Vandalism coverage
Covered
Vandalism is explicitly listed among the damages covered under the all-risks comprehensive policy, alongside collision, fire, glass breakage, theft, forces of nature, wrong fuel, animal collisions and marten gnawing.
Section: Why take out comprehensive insurance with KBC Brussels? > Insured
Damage caused by a collision, fire, glass breakage, theft, vandalism, forces of nature, filling up with the wrong type of fuel, collisions with stray animals or birds, and gnawing martens
Vehicle (roadside) assistance
Covered
Comprehensive insurance automatically includes vehicle assistance, so no separate purchase of this cover is required.
Vehicle assistance, including roadside assistance (VAB membership)
Replacement vehicle coverage
Covered
Coverage includes a replacement vehicle for up to 7 days following an accident or breakdown, and up to 30 days if the vehicle is stolen; this benefit is automatically included and does not need to be purchased separately.
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 insurance
Optional
Bodily injuries suffered by the driver are not covered by the comprehensive (or third-party liability) policy itself; a separate 'Driver Accident Insurance' can be purchased to cover the driver's own medical costs, even when at fault.
Section: Breid je autoverzekering optioneel uit > 2. Ongevallenverzekering bestuurder
Veroorzaak je een ongeval, dan verzekeren een reguliere BA-verzekering en een (gedeeltelijke) omniumverzekering je NIET tegen lichamelijke letsels. Daarom biedt deze aanvullende ‘ Ongevallenverzekering bestuurder ’ de nodige bescherming bij medische kosten, zelfs als je in fout bent.
Key conditions
Driver age and experience limit
No minimum age is stated for the comprehensive cover itself; provisional (learner) licence holders can be added to the policy and build up their own claims-free record via KBC Brussels Start2Drive.
Repair network requirements
Policyholders are free to choose any repairer; using a repairer from KBC's approved network allows KBC to handle the claim directly and provide a replacement vehicle during repairs, speeding up the process.
Anti-theft requirements
No specific anti-theft device requirements are stated on the official comprehensive insurance product page.
Claim notification deadline
No specific claim notification deadline is stated on the official comprehensive insurance product page.
Deductible rules
Policyholders can choose a deductible ranging from 250 to 1,250 euros based on their budget preferences.
Direct payment
KBC Insurance maintains a network of approved repairers; if the policyholder selects a network repairer, KBC will handle the claim directly and provide a replacement vehicle during repairs, though the policyholder remains free to choose any repairer.
Territorial scope
Territorial limits are not explicitly stated on the official product page; the product is governed by Belgian law.
Documents
Policy specifics
Replacement vehicle coverage
Coverage includes replacement vehicle for up to 7 days following accident or breakdown, and up to 30 days if vehicle is stolen
SourceReplacement 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
Personal assistance coverage
Optional coverage providing assistance for policyholder and family in case of accident or illness while travelling; can be taken out without this coverage if desired
SourceAssistance for you and your family (optional: you can also take out this comprehensive insurance without personal assistance cover)
Purchase price guarantee
For new fully electric vehicles: full purchase price reimbursement up to 48 months after purchase; for new fossil-fuel vehicles: up to 30 months; for second-hand electric vehicles: 24-month coverage
SourceClaims handling network of repairers
KBC Insurance maintains network of approved repairers; if policyholder selects network repairer, KBC will handle claim directly and provide replacement vehicle during repairs
SourceDeductible options
Policyholders can choose deductible ranging from 250 to 1,250 euros based on their budget preferences
SourceSection: Learn more about All Risks Comprehensive Insurance under KBC Vehicle Insurance Passenger car > Choose a deductible that suits your budget
250 euros, 500 euros, 750 euros, 1 000 euros or 1 250 euros
All-risks coverage principle
Comprehensive insurance covers all loss and damage except for cases explicitly listed in the general conditions exclusions; damage covered includes collision, fire, glass breakage, theft, vandalism, forces of nature, wrong fuel, animal collisions, and marten gnawing
SourceSection: Why take out comprehensive insurance with KBC Brussels? > Insured
Damage caused by a collision, fire, glass breakage, theft, vandalism, forces of nature, filling up with the wrong type of fuel, collisions with stray animals or birds, and gnawing martens
Automatically included benefits
Comprehensive insurance automatically includes: vehicle assistance, replacement vehicle cover (7-30 days depending on cause), 10% compensation increase for total loss, replacement of locks/reprogramming if keys stolen, medical expenses for car-jacking or home invasion injury, and vehicle registration tax coverage on total loss
SourceSection: Why take out comprehensive insurance with KBC Brussels? > Insured
The cost of replacing locks or reprogramming the locking system if your car keys are stolen
Policy renewal and cancellation terms
Insurance cover valid for one year and automatically renewed (tacitly) unless cancelled no later than 2 months before renewal date; consumer can cancel anytime after first year with 2 months notice via registered letter or service
SourceSection: Good to know
Insurance cover under the policy is valid for a term of one year and is tacitly renewed unless you cancel it no later than two months before the main renewal date.
Sources
KBC Brussels Casco (own-damage car insurance)