Reviewed from source documents

KBC Insurance NV, trading as KBC Brussels Bank & Insurance

KBC Brussels

KBC Brussels is a motor third-party liability insurance for the Belgium market with online purchase and 24/7 assistance.

Last verified Aug 27, 2026Reviewed by: Boleron EUUnderwritten by: KBC Insurance NV
Online purchase24/7 helpline

Direct payment

If you have your vehicle repaired by one of the repairers in KBC's approved network, KBC Brussels pays the repairer directly.

Geographic scope

Belgium

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.

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

Bodily injury liability

Covered

Covers death or injuries you cause to third parties with your vehicle, including pedestrians, cyclists and passengers, even if you are not liable; the exact insured sum is not stated on the source pages.

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Property damage liability

Covered

Covers material loss or damage you cause to third parties with your vehicle (e.g. exterior damage, damage to buildings); the exact insured sum is not stated on the source pages.

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Legal assistance insurance

€100,000

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.

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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.

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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.

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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.

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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.

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Key conditions

Territorial scope

Valid in Belgium and in all countries not crossed out on the international motor vehicle insurance certificate (green card).

Green card rules

The green card / international motor insurance certificate must be carried in the vehicle at all times; cover extends automatically to countries not crossed out on the certificate.

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.

Where to buy

Calculate and buy your car insurance online
Third-party liability car insurance product page

Documents

Legal assistance insurance IPID

IPID

Open

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

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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

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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

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Vehicle registration tax coverage

Coverage for vehicle registration tax repayment if vehicle is declared total loss

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Purchase price guarantee

Full reimbursement of purchase price for new vehicles up to 48 months after purchase; 24-month guarantee for second-hand vehicles if declared total loss or stolen

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Marten damage coverage

Unique coverage for damage caused by pine martens gnawing at pipes, cables or insulation in engine bay; automatically included under semi-comprehensive insurance

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Deductible range for comprehensive insurance

Choice of deductible from 250 to 1,250 euros; no deductible applies for specific events including glass breakage at approved repair shops, fire, explosions, theft, and forces of nature

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Driver coverage threshold

Any person driving vehicle for more than 2,500 km per year must be included in the policy

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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

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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

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Alcohol exclusion threshold

Damage caused under influence of alcohol exceeding 0.15% is not covered; similar exclusions apply for other substance influences

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