Insurer profile

KBC Insurance NV

KBC Insurance NV · Belgium

Founded 1998Leuven, BelgiumLast verified Sep 27, 2026

Overview

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

Products in this market

Offer pages

Company details

Parent group: KBC Group NV
Regulator: National Bank of Belgium (NBB) and Financial Services and Markets Authority (FSMA)
Phone: +32 78 353 137
Email: [email protected]

Official website

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.

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.

KBC Bicycle Insurance

All-risk bicycle insurance providing worldwide cover against theft and damage for standard and electric bikes.

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.

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 Hospitalisation Insurance

Individual hospitalisation insurance covering medical expenses incurred due to illness, accident, or childbirth for residents registered under Belgian social security.

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.

KBC Personal Accident Insurance

Personal accident insurance reimbursing medical expenses and providing compensation for permanent disability or death resulting from an accident.

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.

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.

KBC Travel Insurance (Holiday / Cancellation)

Customisable travel insurance combining personal assistance, luggage cover, cancellation cover, and travel accident protection for temporary or continuous trips.

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.

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.

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.

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.

Pet

KBC Pet Insurance (via PetExpert)

Pet insurance for dogs and cats offered in partnership with PetExpert, covering illness and medical treatment.

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.

KBC Cyber Insurance (Business)

Business cyber insurance protecting companies against financial losses and liabilities resulting from cyber incidents, data breaches, and digital attacks.

Other

KBC Animal Insurance (Livestock – Agricultural)

Agricultural animal insurance for horse and cattle farmers covering death, emergency slaughter, loss and veterinary treatment costs.

KBC Purchase Protection Insurance (Credit Card)

Class 16 (miscellaneous financial loss) insurance linked to KBC credit cards, covering purchased goods against damage or theft for up to 90 days after purchase.

Regulatory updates

KBC Insurance NV is authorised by the National Bank of Belgium for all insurance classes under code 0014 (Royal Decree of 4 July 1979), with registered office at Professor Roger Van Overstraetenplein 2, Leuven. At the end of 2025, the Solvency II ratio stood at 247% for KBC Insurance NV and 227% for the KBC Insurance Group, well above the 100% regulatory minimum, rising further to 231% for KBC Insurance under Solvency II by end-March 2026. KBC Group's fully loaded CET1 ratio stood at about 15.5% at year-end 2025, comfortably above the regulatory minimum of roughly 11% (Pillar 1 4.50%, P2R 1.10%, capital conservation buffer 2.50%, O-SII buffer 1.50%, plus countercyclical and sectorial systemic risk buffers). The NBB's sectorial systemic risk buffer for mortgage exposures was lowered from 9% to 6% from 2024. KBC Group remains a Significant Institution under European Banking Supervision, directly supervised by the ECB, and continues to implement DORA (Digital Operational Resilience Act), Basel IV/CRR3 and evolving AML requirements alongside its insurance arm.