KBC Motor third-party liability (Mtpl Standard)
Underwritten by KBC Verzekeringen NV · Belgium
motor third-party liability insurance from KBC for the Belgium market, with online purchase.
Verified Aug 26, 2026 · Terms dated 2023-07-10Sources
Unique selling points
Life-long insurance guarantee: customers aged 55-65 who have been with KBC Insurance for 5+ years and accident-free for 5 years are guaranteed the compulsory policy will never be cancelled, even after a claim.
Automatic 10% discount on the compulsory third-party liability premium for careful drivers, with a 'joker' earned after five consecutive accident-free years that protects the discount even after one at-fault accident.
KBC Start2Drive lets a policyholder's child learning to drive be added to the family policy with no extra premium for 24 months after obtaining a provisional licence.
KBC MyFirstCar offers young drivers an inexpensive stand-alone car insurance policy in their own name.
Cover can be taken out fully online without a branch visit, while claims are supported personally by a local KBC insurance agent.
Coverage limits
Liability limit (covers injury + property damage)
One combined sum for both bodily injury and property damage, not two separate limits.
Covered
Legal assistance insurance
Optional
Legal Assistance Insurance is listed as a separate cover that can be included, alongside the compulsory liability cover, within the KBC Vehicle Insurance for Passenger Cars policy; it is not part of the base third-party liability cover itself.
Section: Good to know
The KBC Vehicle Insurance for Passenger Cars may contain one or more of the following insurances: the Compulsory third-party liability insurance, the Legal Assistance Insurance, the Fully Comprehensive Insurance, the Partial Comprehensive Insurance, the KBC-VAB Assistance, the Driver Accident Insurance.
International motor insurance certificate (green card)
Covered
The compulsory liability cover comes with an international motor vehicle insurance certificate; cover extends to Belgium and to any country not crossed out on that certificate.
Section: Why take out third-party liability insurance with us?
The third-party liability insurance is valid in Belgium and all countries not crossed out on your international motor vehicle insurance certificate (that you must have in your vehicle at all times).
Roadside assistance
Optional
Under the compulsory liability cover, the vehicle is entitled to free towing following an accident in Belgium; broader 24/7 breakdown and accident assistance is offered separately as the optional KBC-VAB Assistance cover within the same vehicle policy.
Section: Optional add-on cover for your car insurance > 3. Vehicle assistance and personal assistance
Under your compulsory third-party liability insurance , you are entitled to have your vehicle towed away for free following an accident in Belgium.
Driver accident insurance
Optional
The Driver Accident Insurance is listed as a separate, optional cover that can be included alongside the compulsory liability cover in the KBC Vehicle Insurance for Passenger Cars policy; it is not part of the base third-party liability cover.
Section: Good to know
The KBC Vehicle Insurance for Passenger Cars may contain one or more of the following insurances: the Compulsory third-party liability insurance, the Legal Assistance Insurance, the Fully Comprehensive Insurance, the Partial Comprehensive Insurance, the KBC-VAB Assistance, the Driver Accident Insurance.
Passenger injury cover (vulnerable road user)
Covered
Injuries sustained by passengers in a traffic accident involving the insured car are covered under the liability cover as vulnerable road users, even if the policyholder is not at fault.
Section: What is covered?
Injuries sustained by pedestrians, cyclists or passengers in traffic accidents in which your car is involved Even if you are not liable, you can claim on this insurance.
Key conditions
Driver restrictions
If a policyholder's son or daughter is learning to drive, they are covered under the parent's policy via KBC Start2Drive, with no extra premium for 24 months after obtaining their provisional licence; KBC MyFirstCar lets them take out an inexpensive policy in their own name.
Bonus-malus rules
Careful drivers get a 10% discount on the compulsory third-party liability premium; causing an at-fault accident without a joker suspends the discount for a year, returning after a further claim-free year. KBC grants a joker after five consecutive years without an at-fault claim, letting the discounted premium survive one at-fault accident. Customers aged 55-65 who have been with KBC Insurance for at least 5 years and accident-free for 5 years also get a life-long guarantee that the compulsory policy will not be cancelled, even after a claim.
Territorial scope
Valid in Belgium and in all countries not crossed out on the international motor vehicle insurance certificate that must be carried in the vehicle at all times.
Documents
Policy specifics
Free towing after accident in Belgium
Under compulsory third-party liability insurance, vehicle entitled to free towing following accident in Belgium
SourceSection: Optional add-on cover for your car insurance > 3. Vehicle assistance and personal assistance
Under your compulsory third-party liability insurance , you are entitled to have your vehicle towed away for free following an accident in Belgium.
Coverage in Belgium and permitted countries
Third-party liability insurance valid in Belgium and all countries not crossed out on international motor vehicle insurance certificate
SourceSection: Why take out third-party liability insurance with us?
The third-party liability insurance is valid in Belgium and all countries not crossed out on your international motor vehicle insurance certificate (that you must have in your vehicle at all times).
Coverage for vulnerable road users
Injuries sustained by pedestrians, cyclists or passengers in traffic accidents covered even if policyholder not liable
SourceSection: What is covered?
Injuries sustained by pedestrians, cyclists or passengers in traffic accidents in which your car is involved Even if you are not liable, you can claim on this insurance.
Third-party liability coverage
Covers material and bodily damage/injury caused to third parties for which policyholder is liable
SourceSection: What is covered?
Loss, damage or injury you cause with your vehicle to third parties, both material (e.g., exterior damage, damage to buildings, etc.) and physical (i.e. death or injuries)
Automatic renewal terms
Insurance cover valid for one year and tacitly renewed unless cancelled two months before main renewal date
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.
Consumer cancellation rights
Consumers can cancel anytime starting from second insurance year with two months notice from delivery date
SourceSection: Good to know
As a consumer, you can cancel your policy at any time starting from the second insurance year, with effect after two months have elapsed from the day after the registered letter was submitted for delivery, the writ was served or the date of the acknowledgement of receipt.
Sources
KBC Motor third-party liability