Insurer profile
KBC Insurance NV
KBC Insurance NV is the insurance subsidiary of KBC Group NV, a Belgian integrated bank-insurance group offering a full range of non-life and life insurance products to retail, private banking, SME and mid-cap clients in Belgium and other core markets.
Source- Legal entity
- KBC Insurance NV
- Headquarters
- Leuven, Belgium
- Parent group
- KBC Group NV
- Regulator
- National Bank of Belgium (NBB) and Financial Services and Markets Authority (FSMA)
- Phone
- +32 78 353 137
- complaints@kbc.be
- Founded
- 1998
- Last verified
- Jul 10, 2026
Products from KBC Insurance NV
motor
KBC Car Insurance – Third-Party Liability
Compulsory third-party liability car insurance covering loss, damage or injury caused to others with your vehicle.
motor
KBC Car Insurance – Comprehensive (Fully/Semi)
Optional semi- or fully comprehensive car insurance covering damage to your own vehicle, theft, fire, glass breakage, and storm damage.
motor
KBC Bicycle Insurance
All-risk bicycle insurance providing worldwide cover against theft and damage for standard and electric bikes.
motor
KBC Van Insurance (Light Goods Vehicles)
Third-party liability and optional comprehensive insurance for light goods vehicles (vans) used for business purposes.
property
KBC Home Insurance
All-risk home insurance covering fire, storm, water damage, theft, vandalism, and third-party liability for owners, tenants, and landlords.
property
KBC Business Multi-Risk Property Insurance
Commercial property insurance protecting business premises and contents against fire, storm, water damage, glass breakage, theft, collision, and other risks.
life
KBC Life Insurance
Term life insurance that pays a capital sum to surviving dependants in the event of the policyholder's death during the term of the policy.
life
KBC Life Experience (Class 21 Guaranteed-Interest Life Insurance)
Open-ended Class 21 guaranteed-interest life insurance where the benefit is paid upon the death of the insured, with optional annual profit share and growth bonus.
life
KBC Comfort Loan Balance Insurance
Loan balance insurance linked to a mortgage or credit facility, repaying the outstanding balance upon the policyholder's death or work disability.
life
KBC Brussels Remission of Debt Insurance
Business credit life insurance waiving the remaining debt on a credit facility of up to 150,000 euros in the event of the insured's death, without requiring a medical questionnaire.
life
KBC Home & Pension Plan (Pension Savings Insurance)
Class 21 pension savings insurance plan with a guaranteed return, allowing tax-efficient supplementary pension build-up under the Belgian pension savings scheme.
health
KBC Hospitalisation Insurance
Individual hospitalisation insurance covering medical expenses incurred due to illness, accident, or childbirth for residents registered under Belgian social security.
health
KBC Hospital Care (Group Hospitalisation Insurance)
Work-related group hospitalisation insurance taken out by employers to cover employees and their families for hospital stays and related medical costs.
health
KBC Group Hospitalisation Insurance (Employer)
Group hospitalisation insurance for companies covering employees, their families, and staff for hospital admissions and related medical expenses.
health
KBC Personal Accident Insurance
Personal accident insurance reimbursing medical expenses and providing compensation for permanent disability or death resulting from an accident.
health
KBC Guaranteed Income Insurance (Work Disability)
Work disability insurance providing monthly benefits to top up health insurance fund payments when the self-employed or business managers are unable to work due to illness or accident.
travel
KBC Travel Assistance Insurance
Travel assistance insurance providing 24/7 worldwide cover for medical expenses incurred due to accident or illness during a trip.
travel
KBC Travel Insurance (Holiday / Cancellation)
Customisable travel insurance combining personal assistance, luggage cover, cancellation cover, and travel accident protection for temporary or continuous trips.
liability
KBC Family Insurance (Third-Party Liability)
Family third-party liability insurance covering bodily injury and material damage caused to others by the policyholder or their family members.
liability
KBC Legal Assistance Insurance
Legal assistance insurance covering legal costs and providing support to obtain compensation from liable parties following accidents or contractual disputes.
liability
KBC Professional Liability Insurance
Professional liability insurance covering businesses and individuals against claims for financial loss resulting from professional errors or negligent advice.
liability
KBC Business Third-Party Liability Insurance
Third-party liability insurance for businesses covering bodily injury and material damage caused to third parties (customers, neighbouring businesses) by company operations or staff.
liability
KBC Directors & Officers Liability Insurance
Directors and officers liability insurance protecting company directors and their personal assets against claims from third parties for errors committed in their management role.
cyber
KBC CyberSecure Insurance (Personal)
Personal cyber insurance protecting KBC current accounts against financial loss due to scams, fraud, identity theft, and providing psychological support after reputation damage.
cyber
KBC Cyber Insurance (Business)
Business cyber insurance protecting companies against financial losses and liabilities resulting from cyber incidents, data breaches, and digital attacks.
pet
KBC Pet Insurance (via PetExpert)
Pet insurance for dogs and cats offered in partnership with PetExpert, covering illness and medical treatment.
other
KBC Animal Insurance (Livestock – Agricultural)
Agricultural animal insurance for horse and cattle farmers covering death, emergency slaughter, loss and veterinary treatment costs.
Regulatory updates
KBC Insurance NV is licensed by the National Bank of Belgium for all classes of insurance under code 0014 (Royal Decree of 4 July 1979). The amended Solvency II Directive (EU 2025/2), published in the EU Official Journal on 8 January 2025 and effective 28 January 2025, requires Belgium to transpose it into national law by 29 January 2027; it relaxes some capital rules to encourage long-term equity investment, directly benefiting KBC. The new Insurance Recovery and Resolution Directive (IRRD) requires Belgian insurers including KBC to draft recovery and resolution plans for the first time. The EU DORA Regulation on digital operational resilience became directly applicable on 17 January 2025, requiring KBC to meet ICT risk management, incident reporting, resilience testing and third-party ICT risk requirements. Book 6 of the Belgian Civil Code reformed tort liability from 1 January 2025, materially expanding the scope of liability insurance obligations. New consumer-friendly non-life policy termination rules took effect in October 2024, allowing cancellation at any time after one year with two months' notice. KBC Group has been designated a Significant Institution under European Banking Supervision and is directly supervised by the ECB. A Belgian capital gains tax (meerwaardebelasting) on financial assets took effect from 1 January 2026, affecting KBC's investment insurance products.
Reputation and reviews
Verified offer pages
Motor casco
KBC is a motor casco insurance for the BE market with online purchase and 24/7 assistance.
Last verified May 9, 2026
Motor third-party liability
KBC is a motor third-party liability insurance for the BE market with online purchase and 24/7 assistance.
Last verified May 9, 2026
Travel insurance
KBC is a travel insurance for the BE market with online purchase and 24/7 assistance.
Last verified May 9, 2026