KBC Insurance NV
KBC
KBC is a motor third-party liability insurance for the Belgium market with online purchase and limited assistance availability.
Direct payment
Bij schadeafhandeling betaalt KBC de schadevergoeding in de meeste gevallen rechtstreeks en automatisch als het rekeningnummer bekend is; kiest de klant voor een hersteller uit het KBC-herstellersnetwerk, dan betaalt KBC de vergoeding rechtstreeks aan die hersteller.
Geographic scope
Belgium (nationwide)
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.
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
Bodily injury liability
Covered
Covers bodily injury (death or injuries) that the policyholder causes to third parties with the vehicle, including injuries to pedestrians, cyclists or passengers, even when the policyholder is not at fault.
Property damage liability
Covered
Covers material damage (e.g. exterior damage, damage to buildings) that the policyholder causes to third parties with the vehicle.
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.
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.
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.
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.
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.
Key conditions
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.
Green card rules
Coverage abroad is determined by the international motor insurance certificate: cover applies in Belgium and in every country listed on the certificate that has not been crossed out.
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.
Where to buy
Policy specifics
Free towing after accident in Belgium
Under compulsory third-party liability insurance, vehicle entitled to free towing following accident in Belgium
SourceCoverage in Belgium and permitted countries
Third-party liability insurance valid in Belgium and all countries not crossed out on international motor vehicle insurance certificate
SourceCoverage for vulnerable road users
Injuries sustained by pedestrians, cyclists or passengers in traffic accidents covered even if policyholder not liable
SourceThird-party liability coverage
Covers material and bodily damage/injury caused to third parties for which policyholder is liable
SourceAutomatic renewal terms
Insurance cover valid for one year and tacitly renewed unless cancelled two months before main renewal date
SourceConsumer cancellation rights
Consumers can cancel anytime starting from second insurance year with two months notice from delivery date
Source