KBC Insurance NV, trading as KBC Brussels Bank & Insurance
KBC Brussels
KBC Brussels is a motor casco insurance for the Belgium market with online purchase and 24/7 assistance.
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.
Geographic scope
Belgium
Territorial limits are not explicitly stated on the official product page; the product is governed by Belgian law.
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.
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.
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.
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.
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.
Forces of nature coverage
Covered
Damage caused by forces of nature is covered under the comprehensive all-risks policy.
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.
Vehicle (roadside) assistance
Covered
Comprehensive insurance automatically includes vehicle assistance, so no separate purchase of this cover is required.
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.
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.
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.
Territorial scope
Territorial scope is not explicitly stated on the official comprehensive insurance product page; the product is governed by Belgian law.
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.
Where to buy
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
SourcePersonal 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
SourcePurchase 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
SourceAll-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
SourceAutomatically 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
SourcePolicy 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
Source