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KBC Car Insurance for passenger cars is a third-party liability insurance policy required by law. More information on this product can be found in the insurance information document, which we recommend you read carefully before taking out the product.

KBC Car Insurance may include one or more of the following types of insurance cover: Compulsory Third-Party Liability Insurance, Legal Assistance Insurance, Comprehensive All-Risk Insurance, Semi-Comprehensive Insurance, KBC-VAB Roadside Assistance Insurance and Driver Accident Insurance.

• This product is governed by the laws of Belgium.
• Insurance cover under this policy is valid for a term of one year and tacitly renews, unless it is terminated no later than three months before the main renewal date.
• Your intermediary is the first point of contact for any complaints you may have. If no agreement can be reached, you can contact KBC Complaints Management by post at Brusselsesteenweg 100, 3000 Leuven, by e-mail at complaints@kbc.be, by telephone on + 32 16 43 25 94 or + 32 78 15 20 45 (paid number), or by fax on + 32 16 86 30 38. If you cannot find a suitable solution, you can contact the Belgian insurance industry’s ombudsman service: Ombudsman van de Verzekeringen, de Meeûssquare 35, 1000 Brussels, info@ombudsman-insurance.be. This does not affect your legal rights.

Contact your Insurance Expert or visit our website to request a quote for KBC Car Insurance for passenger cars.

KBC Car Insurance is a product of KBC Insurance NV – Professor Roger Van Overstraetenplein 2 – 3000 Leuven – Belgium VAT BE 0403.552.563 – RLP Leuven – IBAN BE43 7300 0420 0601 – BIC KREDBEBB Company licensed by the National Bank of Belgium, de Berlaimontlaan 14, 1000 Brussels, Belgium, for all classes of insurance under code 0014 (Royal Decree of 4 July 1979; Belgian Official Gazette, 14 July 1979). Member of the KBC group.

Your intermediary: KBC Brussels, part of KBC Bank NV – Havenlaan 2 – 1080 Brussels – Belgium VAT BE 0462.920.226 – RLP Brussels – IBAN BE98 7300 0000 0083 – BIC KREDBEBB – FSMA 026256 A, tied agent of KBC Insurance NV. Member of the KBC Group.

* What is and isn’t covered under third-party liability insurance

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). 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.

Not covered
Some key exclusions are:

• damage to your own vehicle
• bodily injuries sustained by the driver in a traffic accident
• damage caused during participation in competitions
• damage you cause intentionally

The complete list of exclusions can be found in the general conditions.

* What is and isn’t covered under semi-comprehensive insurance

Covered

• Damage caused by martens gnawing on your car’s cables and conduits
• Breakage of car window glass or sunroof glass
• Break-ins, theft and vandalism during theft 
• Hail damage or damage caused by another force of nature (storm, lightning, flood, etc.) 
• Damage caused by fire, explosion or fire-extinguishing activities (including damage caused by melting due to a short circuit)
• Damage caused by collisions with wild or stray animals 
• Crashing aircraft or falling aircraft parts 
• Any additional vehicle features which you can no longer use after your car has been declared a total loss (e.g., a set of winter tyres or a roof box)

Not covered

• Damage to your own car following an accident (for which you can take out our Fully Comprehensive Insurance)
• Your physical injuries as the driver, which you sustained in an accident (for which you can take out our Driver Accident Insurance)
• Theft you have facilitated by leaving your car unattended and unlocked on a public road
• Damage to parts caused as a result of wear and tear or by a lack of maintenance
• Damage you cause intentionally

The complete list of exclusions can be found in the general conditions.

* What is and isn’t covered under fully comprehensive insurance

What’s covered?

• Harm caused by a collision, fire, glass breakage, theft, vandalism, forces of nature, filling up with the wrong type of fuel, collisions with stray animals or birds, and gnawing martens
• The cost of replacing locks or reprogramming the locking system if your car keys are stolen
• Medical expenses if you’re injured during a car-jacking or home invasion
• Vehicle registration tax is covered free of charge if your vehicle is declared a total loss
• Damage to transported items
• We provide compensation of up to 1 500 euros for items you transport in your car which are intended for personal use if your car is also damaged, including bicycles on your bicycle rack or luggage in your roof box
• We also cover any additional vehicle features which you can no longer use after your car has been declared a total loss, such as your winter tyres or roof box

What’s not covered?

• Damage you caused under the influence of alcohol (more than 0.15%) or in a similar condition due to the use of substances other than alcohol
• Damage you caused while driving your car in violation of the conditions laid down in Belgian laws and regulations
• Damage you cause intentionally
• Theft you facilitated by leaving your vehicle unattended on a public road or unlocked in another location accessible to the public
• Your physical injuries as the driver of your vehicle (for which you can take out our Driver Accident Insurance)

The complete list of exclusions can be found in the general conditions. Read the product information in full before taking out insurance.