KBC Brussels Motor third-party liability (Kbc Brussels Third Party Liability Car Insurance)
Underwritten by KBC Insurance NV · Belgium
motor third-party liability insurance from KBC Brussels for the Belgium market, with online purchase and 24/7 assistance.
Last verified Aug 27, 2026Sources
Unique selling points
Customers can take out and manage third-party liability car insurance entirely online, with the same rate available online as at a branch or agent.
New passenger car buyers exclusively receive their front number plate for free from KBC Brussels.
After five consecutive claim-free years, policyholders earn a 'joker' that protects their discounted premium even after a future at-fault accident.
Customers aged 55-65 with a long, accident-free history qualify for a lifetime guarantee that their compulsory liability cover will never be cancelled.
Under the compulsory third-party liability policy, vehicle tow-away following an accident in Belgium is provided free of charge.
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
€100K
Optional legal assistance cover for disputes following a claim; legal expenses are covered up to 100,000 euros, and if the other party is unable to pay compensation the insurer covers up to 12,500 euros.
Section: Car insurance > Optional add-on cover for your car insurance > 1. Legal assistance insurance
the legal expenses arising from the dispute are covered up to 100 000 euros. If the other party is unable to pay compensation, this insurance will cover you up to 12 500 euros.
Green card / international motor insurance certificate
Covered
The third-party liability insurance is automatically valid in Belgium and in all countries not crossed out on the international motor vehicle insurance certificate (green card) that must be carried in the vehicle.
Section: Third-party liability > 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).
Free tow-away after an accident
Covered
Under the compulsory third-party liability insurance, you are entitled to have your vehicle towed away for free following an accident in Belgium; broader breakdown and travel assistance requires the optional KBC-VAB Assistance add-on.
Section: Car insurance > 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
Standard third-party liability insurance does NOT cover bodily injuries the driver sustains in an accident they caused; the optional driver accident insurance covers medical expenses even if the driver is at fault.
Section: Car insurance > Optional add-on cover for your car insurance > 2. Driver accident insurance
Standard third-party liability insurance and comprehensive or semi-comprehensive insurance do NOT cover bodily injuries you sustain in an accident you caused. Our supplementary ‘ Driver accident insurance ’ gives you the protection you need to cover medical expenses, even if you’re at fault.
Passenger injury cover
Covered
Injuries sustained by pedestrians, cyclists or passengers in traffic accidents involving your car are covered, and you can claim on this insurance even if you are not liable.
Section: Third-party liability > 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
Any person driving the vehicle for more than 2,500 km per year must be included in the policy.
Claim notification deadline
Not stated in the available source pages.
Bonus-malus rules
Drivers get a 10% discount on third-party liability premium after one claim-free year, and after five consecutive claim-free years they receive a 'joker' that protects the discounted premium even after an at-fault accident.
Territorial scope
Valid in Belgium and in all countries not crossed out on the international motor vehicle insurance certificate (green card) that must be carried in the vehicle at all times.
Documents
Policy specifics
Replacement vehicle coverage
Coverage for replacement vehicle rental following accident or breakdown, typically for 7 days in Belgium after accident/breakdown and up to 30 days if vehicle is stolen
SourceSection: Comprehensive car insurance > Learn more about All Risks Comprehensive Insurance under KBC Vehicle Insurance Passenger car
Replacement vehicle in Belgium for up to 7 days if you have an accident or your car breaks down, and for up to 30 days if your vehicle is stolen
Personal assistance coverage
Optional assistance for policyholder and family in case of accident or illness while traveling; can be included or excluded from comprehensive insurance
SourceSection: Comprehensive car insurance > Learn more about All Risks Comprehensive Insurance under KBC Vehicle Insurance Passenger car
Assistance for you and your family (optional: you can also take out this comprehensive insurance without personal assistance cover)
Transported items coverage
Coverage for items transported in the vehicle for personal use (bicycles, luggage) with compensation up to 1,500 euros when vehicle is also damaged
SourceSection: Comprehensive car insurance > Why take out comprehensive insurance with KBC Brussels? > Insured > Damage to transported items
We compensate up to 1 500 euros for items you transport in your car which are intended for personal use in the event that your car is also damaged, including bicycles on your bicycle rack or luggage in your roof box
Vehicle registration tax coverage
Coverage for vehicle registration tax repayment if vehicle is declared total loss
SourceSection: Comprehensive car insurance > Why take out comprehensive insurance with KBC Brussels? > Insured
Vehicle registration tax is covered free of charge if your vehicle is a total loss
Driver coverage threshold
Any person driving vehicle for more than 2,500 km per year must be included in the policy
SourceSection: Car insurance > Learn more about your car insurance
Any person who drives the vehicle for more than 2 500 km per year must be included in the policy.
No-claims joker benefit
Policyholder with no at-fault claims for five consecutive years receives joker that allows maintaining discounted premium even after at-fault accident; replaces traditional no-claims bonus system
SourceSection: Car insurance > Check out KBC Brussels Car Insurance
If you don’t file any at-fault claims for five consecutive years, you’re rewarded with a joker that allows you to keep your discounted premium, even after an at-fault accident.
Lifetime insurance guarantee
Customers aged 55-65 with 5+ years KBC Insurance history and no accidents in past 5 years entitled to lifetime guarantee that third-party liability insurance will not be cancelled due to claims
SourceSection: Car insurance > Learn more about your car insurance
If you’re aged between 55 and 65, have been a customer with KBC Insurance for five years or more and haven’t had an accident in the last five years, you are entitled to our life-long insurance guarantee .
Alcohol exclusion threshold
Damage caused under influence of alcohol exceeding 0.15% is not covered; similar exclusions apply for other substance influences
SourceSection: Comprehensive car insurance > Why take out comprehensive insurance with KBC Brussels? > Not insured
Damage you cause under the influence of alcohol (more than 0.15%) or in a similar condition due to the use of substances other than alcohol
Sources
- kbcbrussels.behttps://www.kbcbrussels.be/retail/en/insurance/vehicle/car-insurance.html(opens in a new tab)
- kbcbrussels.behttps://www.kbcbrussels.be/retail/en/insurance/vehicle/comprehensive-car-insurance.html(opens in a new tab)
- kbcbrussels.behttps://www.kbcbrussels.be/retail/en/insurance/vehicle/third-party-liability-car.html(opens in a new tab)
KBC Brussels Motor third-party liability