CBC Banque SA (insurance products distributed under the commercial name "CBC Assurances", underwritten by KBC Assurances SA)

Territorial scope

The liability cover is valid in Belgium and in all countries listed on the insurance certificate (green card) that are not crossed out.

Green card rules

The green card (insurance certificate) must be carried on board; countries crossed out on the certificate are not covered, only non-crossed-out countries benefit from cover abroad.

Driver restrictions

All habitual drivers of the insured vehicle must be declared to the insurer; if the vehicle owner is not the habitual driver, or if the registration holder is not the policyholder, this must also be reported to the insurer.

Claim notification deadline

The reviewed CBC sources do not state a specific numerical claim notification deadline for the RC product; policyholders are advised to report an incident to CBC as soon as possible after it occurs.

Bonus-malus rules

One claim-free year gives a 10% discount on the mandatory liability premium; this discount is suspended for one year after an at-fault accident (unless the policyholder has a 'joker') and is restored after a further claim-free year; after 5 consecutive claim-free years, a 'joker' is granted that preserves the advantageous rate even after a later at-fault claim.

Purchase price guarantee for new electric vehicles

Full reimbursement of investment for new 100% electric vehicles up to 48 months after purchase

Purchase price guarantee for new fuel-powered vehicles

Full purchase price reimbursement for new fossil fuel vehicles up to 30 months after purchase, plus 10% bonus

Deductible selection for omnium

Policyholders can choose deductibles between 250 to 1,250 euros depending on omnium coverage level

Coverage for transported personal items

Up to 1,500 euros coverage for private use items transported in the vehicle if the vehicle is also damaged

Replacement locks and reprogramming coverage

Costs of replacing locks or reprogramming locking systems after key theft covered under omnium

Medical expenses from car-jacking or home-jacking

Medical care costs covered if insured is injured during car-jacking or home-jacking incidents

Road tax (TMC) coverage on total loss

Road tax (TMC - Taxe de Mise en Circulation) reimbursement automatically included at no cost in case of vehicle total loss

Claims-free reduction on third-party liability

10% reduction on third-party liability (RC) premium after one year without claims

Lifetime insurance guarantee for seniors

For customers aged 55-65, insured with KBC for 5+ years with 5+ years claim-free, mandatory RC coverage will not be cancelled even after at-fault claim

Approved repair network

CBC works with a network of approved repairers; direct payment by CBC to repairer if chosen from the network

Local insurance agent claim support

Even if policy purchased online, a local CBC insurance agent will personally assist with claim declaration and processing

Policy term and automatic renewal conditions

Insurance covers one year and renews automatically unless cancelled at least 3 months before main renewal date (2 months for policies from October 1, 2024)

Dispute resolution and complaint process

First contact: local insurance agent; escalation to CBC Complaints Management (Avenue Albert 1er 60, 5000 Namur, gestiondesplaintes@cbc.be); final escalation to Insurance Ombudsman (Square de Meeûs 35, Brussels)

Governing law and jurisdiction

CBC Car Insurance policies are governed by Belgian law exclusively