KBC
KBC is a motor third-party liability insurance for the BE market with online purchase and 24/7 assistance.
Direct payment
KBC pays the repairer directly when an approved network repairer is used. For third-party liability claims, the insurer compensates the injured third party directly. Legal assistance costs (up to 100,000 EUR) are paid by KBC's Defendo division directly to lawyers, experts, and court services.
Geographic scope
BE
Belgium and all countries not crossed out on the international motor vehicle insurance certificate (green card / white card)
Unique selling points
- No-claims joker system replaces traditional bonus-malus: after 5 claim-free years, one at-fault accident does not increase your MTPL premium.
- Life-long insurance guarantee ensures KBC cannot cancel your compulsory MTPL policy at retirement age, even after a claim, for customers aged 55–65 with 5+ years of loyalty and 5 claim-free years.
- Mileage-based discount of up to 15% on the MTPL premium for drivers covering fewer than 7,500 km/year, automatically calculated in the online simulator.
- Free towing after any accident in Belgium is included in the standard compulsory MTPL policy — no additional roadside assistance subscription required for post-accident recovery.
- Full digital policy management — from online quote and immediate purchase to digital claims filing and a digital insurance certificate (white card) — available 24/7 via KBC Mobile and KBC Touch at the same rate as in-branch.
Coverage limits
Bodily injury liability
Covered
Covers death or physical injuries caused to third parties (pedestrians, cyclists, passengers, occupants of other vehicles) in a traffic accident involving the insured vehicle. Under Belgian law there is no compensation ceiling for bodily injury under compulsory MTPL.
SourceProperty damage liability
Covered
Covers material damage (exterior damage to vehicles, damage to buildings, etc.) caused to third parties in accidents involving the insured vehicle. The Belgian statutory maximum for material damage is 100 million EUR per claim (indexed).
SourceLegal assistance (Defendo)
Optional
Optional legal assistance insurance (Defendo) covering attorney fees, expert fees, bailiff fees and court costs up to 100,000 EUR. If the at-fault party is insolvent, KBC additionally pays damages up to 12,500 EUR. Covers contractual, administrative and criminal traffic disputes.
SourceInternational motor insurance certificate (green/white card)
Covered
The MTPL insurance is valid in Belgium and all countries not crossed out on the international motor vehicle insurance certificate. The certificate (formerly green card, now white) is digitally available in KBC Mobile and KBC Touch; a paper version can be requested on demand.
SourceRoadside assistance / vehicle assistance (KBC-VAB Bijstand)
Conditional
Free towing after an accident in Belgium is included under the compulsory MTPL policy. Full roadside assistance (breakdown at home or on the road) requires the optional KBC-VAB Bijstand add-on. Fully comprehensive insurance includes vehicle assistance and replacement vehicle cover automatically.
SourceDriver accident insurance (Ongevallenverzekering Bestuurder)
Optional
Optional add-on covering bodily injuries and medical expenses of the driver in a traffic accident, regardless of fault. Not covered by the standard MTPL policy. Also covers other drivers permitted to drive the insured vehicle.
SourcePassenger accident coverage (under MTPL)
Covered
Injuries sustained by passengers in a traffic accident involving the insured vehicle are covered under the compulsory MTPL insurance, even when the insured driver is at fault. Passengers are treated as third parties under the Belgian MTPL regime.
SourceKey conditions
territorial_scope
Valid in Belgium and in all countries not crossed out on the international motor insurance certificate (formerly green card, now white and digitally available). Coverage extends to the geographic Green Card territory including EU member states and associated countries.
green_card_rules
The international motor insurance certificate (white card) is mandatory and must be kept in the vehicle at all times. It is digitally available in KBC Mobile and KBC Touch. For foreign travel, KBC recommends carrying a printed version. The certificate is linked to the vehicle, not the driver.
driver_restrictions
All family members are insured as drivers of the vehicle. Young drivers can be added free of charge within 12 months of obtaining a provisional driving licence (KBC Start2Drive). No additional excess applies for young drivers. Other drivers permitted by the policyholder are also covered. The certificate is vehicle-linked; the policyholder must provide the certificate to any permitted driver.
claim_notification_deadline
Claims must be reported as soon as possible. In case of an accident, complete a European Accident Statement with the other party. Claims can be filed digitally via KBC Mobile or KBC Touch, or through your KBC insurance agent. The 24/7 claims helpline is available at +32 (0)16 24 24 24. If the vehicle is immobilised after an accident, contact the helpline immediately for towing and assistance.
bonus_malus_rules
KBC no longer uses a traditional bonus-malus system. Instead, safe drivers receive a 10% discount on their compulsory MTPL premium from the first claim-free year. After 5 consecutive claim-free years, a no-claims joker is earned. If an at-fault accident occurs and the joker is used, the premium discount is maintained. Without a joker, the 10% discount is forfeited for one full year and regained after another claim-free year. The joker can be re-earned after 5 further claim-free years.
Where to buy
Policy specifics
Medical expenses for driver
Optional driver accident insurance covering medical expenses from traffic accidents
Vehicle assistance and breakdown cover
Optional roadside assistance and breakdown recovery service
Replacement vehicle cover
Temporary replacement car provision following accident or breakdown
Legal assistance insurance
Coverage for legal costs and recovery of damages from liable party
Personal assistance cover
Protection for driver and family in case of accident or illness while travelling
Purchase price guarantee
Reimbursement of full purchase amount if vehicle declared total loss or stolen
Marten damage coverage
Specific coverage for damage caused by pine martens gnawing at car components
Glass breakage with zero deductible option
No deductible applies when using approved glass repair company
No-claims joker
Earned after 5 consecutive claim-free years; protects against premium increase for one at-fault accident
Claim-free discount on third-party liability
10% discount earned after first claim-free year; resets if claim filed
Life-long insurance guarantee
Guarantee that compulsory third-party liability insurance will not be cancelled at advanced age
Free vehicle towing under third-party liability
Entitlement to free towing after accident in Belgium under compulsory third-party liability
Comprehensive insurance deductible options
Choice of deductible amounts ranging from 250 to 1250 euros for comprehensive coverage
Mileage-based discount
Discount on premium based on annual driving distance