Electric car insurance
- Discount for safe drivers
- All risks covered by fully comprehensive insurance policy (unless explicitly excluded)
- Only KBC Brussels offers a purchase price guarantee for 48 months
Insurance for your electric car that has you covered
An electric car has certain insurance needs that other cars don’t, such as specific fire extinguishing costs or problems with your charging cable (driving off while the cable is still connected to your car or driving over the cable). That’s why 96% of our customers who own an electric car opt for fully comprehensive insurance (all risk comprehensive insurance).
Our comprehensive insurance covers your car in all situations, protecting it and any additional fitted features and accessories against all risks. This means that we cover virtually any claim event, unless it is included on the limited list of claim events not covered by the policy.
Reimbursement of the full amount up to 48 months after purchasing the car
You can count on receiving generous compensation from us if your vehicle is declared a total loss or stolen. Get the full amount you paid for a new fully electric car up to 48 months after purchasing it If you’re insuring a second-hand electric car, the purchase price guarantee applies for 24 months.
Discount for safe drivers
If you haven’t caused an accident that has resulted in damage or injury for a period of five years, we’ll give you a no-claims joker that will ensure your premium doesn’t go up after your first at-fault accident. We automatically arrange this for you, so you don’t have to do anything yourself.
Flexible cover: mix-and-match your insurance package
At KBC Brussels, you can tailor the insurance package for your electric car to fully meet your needs thanks to the convenient mix-and-match principle. You start with compulsory third-party liability insurance and then choose which add-on cover you want, such as comprehensive insurance, legal assistance, or driver accident insurance. This enables you to easily put together a package that perfectly matches your driving style, the type of vehicle you have, the number of kilometres you drive and your budget. What’s more, you can manage everything with ease in KBC Brussels Mobile or KBC Brussels Touch, thus ensuring you can keep an eye on things and stay in control at all times.
Other useful information when looking to insure your electric car
Naturally, the price of a vehicle affects the insurance premium: the more expensive the vehicle, the higher the risk. That said, the premium is determined not only on the price of the vehicle, but also on its power, the driver’s age and where they live.
Insurance for electric vehicles is no more expensive than for fossil-fuel vehicles. What’s more, since new vehicles are equipped with more safety features and driver-assistance systems than older ones, KBC also charges a lower premium for newer models.
No. Insurance for electric vehicles is no more expensive than for fossil-fuel vehicles. Since new vehicles are equipped with more safety features and driver-assistance systems than older ones, KBC charges a lower premium for newer models.
Problems that do still occasionally arise with electric vehicles are damage to the charge point itself or damage caused by a defect in the charge point. Many people rightly wonder whether they are insured for this. Damage to the charge point is covered by your all risks comprehensive insurance and damage caused by a defect in the charge point such as a short circuit is covered in most cases by KBC Brussels Home Insurance*.
I’ve been a customer at KBC Brussels for many years, so when I switched to an electric car a little while ago, I didn’t have to think twice about taking out comprehensive insurance with them. I just had to send through the details of the new car and all the paperwork was taken care of for me.
Johan Soetaert, Kortrijk
Assistance with car accident claims
Car involved in an accident, suffered glass damage or been stolen? Find out what to do if you need to file a claim.
Did you know that you can easily work out and apply for your car loan in KBC Brussels Touch or KBC Brussels Mobile? Get the same low rate online as you would at your branch.
What cover should I take out for my electric car?
1. Third-party liability insurance
As with any car, you are required to take out third-party liability insurance for your electric car to cover any loss, damage and/or injury you might cause to others.
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.
2. Fully comprehensive insurance
Supplement your compulsory third-party liability insurance with all risk comprehensive insurance and get maximum protection for your car. The benefits of this ‘all risk’ cover are set out in more detail above.
What’s covered?
- Damage 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 cause 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 cause while driving your car in violation of the conditions laid down in Belgian laws and regulations
- Damage you cause intentionally
- Theft you have 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.
3. Roadside assistance insurance
If you’re stranded at the side of the road after breaking down, you can count on our roadside assistance insurance. It is automatically included in our comprehensive insurance policy. Our add-on personal assistance insurance covers any expenses you incur for medical care and repatriation services provided outside Belgium.
What’s covered?
VAB breakdown service
- 24/7 VAB breakdown assistance at your home or while travelling in Belgium or Luxembourg
- Repairs on the spot or getting towed to the most appropriate garage
- Insured persons transported home
Comprehensive vehicle assistance
Get help following an accident, theft or breakdown, including abroad.
- Insured persons brought back home
- Stolen vehicle returned to you if found
- Breakdown assistance or getting towed to the most appropriate garage
Worldwide personal assistance
- Travel assistance in the event of illness or accidents with medical cover of up to 250 000 euros
- Help with other inconveniences like forwarding clothing and personal travel items if your luggage is stolen
Replacement vehicle following an accident, breakdown or theft (optional)
What’s not covered?
- Damage you cause intentionally
- KBC Brussels does not cover repair costs (we only reimburse vehicle recovery costs and the cost of shipping the replacement parts)
- Complications related to, or worsening of, an existing illness if you have not followed the treatment prescribed
- Participation in paid or profitable sports (including training for such sports)
The complete list of exclusions can be found in the General Conditions.
4. Legal assistance
If you’re unhappy with the payment arrangements made with the other party or end up in a protracted dispute and require the help of a lawyer, our optional legal assistance insurance will cover your legal fees.
What’s covered?
- contractual dispute claims such as those arising from purchasing, selling, maintaining or repairing a vehicle
- administrative dispute claims like those arising from problems with the government regarding revocation of your driving licence, road tax, or the technical inspection of your vehicle
- criminal defence claims like those arising from suspected traffic offences, such as when you receive a summons for speeding, running a red light and alcohol intoxication
What’s not covered?
- Fines and out-of-court settlements
- Disputes about:
- Paid transport of passengers or goods
- Participation in speed races and time-speed distance (TSD) rallies
- Renting a vehicle and renting yours out
- Deliberate violations
5. Driver accident insurance
To make sure any medical expenses you incur as a driver are covered at all times, we recommend our driver accident insurance.
Covered
- Medical care following an accident
- Costs for suitable transport if you need to be taken to hospital for medical treatment
- Compensation for permanent injury
- Financial support for your surviving dependants and reimbursement of funeral expenses should you die
The compensation does not change regardless of whether you were responsible for the accident dor not.
Not covered
- Industrial accidents
- Accidents caused intentionally or due to serious error
- Participation in, and training for, speed races, time-speed distance (TSD) rallies and skills-based competitions
- Accidents caused under the influence of alcohol (more than 0.15%) or in a similar condition due to the use of substances other than alcohol
The complete list of exclusions can be found in the General Conditions.
* Good to know: Comprehensive insurance
All Risks Comprehensive Insurance under KBC Vehicle Insurance Passenger car is a fully comprehensive insurance policy.
- This product is governed by the laws of Belgium.
- {{right of cancellation}}
- Your intermediary is the first point of contact for any complaints you may have. If no agreement can be reached, please contact KBC Complaints Management, Brusselsesteenweg 100, 3000 Leuven, complaints@kbc.be, tel. 016 43 25 94, fax: 016 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, www.ombudsman-insurance.be. This does not affect your legal rights.
Visit our website or contact your Insurance Expert to request a quote for KBC Vehicle Insurance Passenger car for Passenger Cars.
KBC Vehicle Insurance Passenger car is a product provided by 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 of 14 July 1979).
Member of the KBC Group
Read this information carefully before taking out this insurance
*KBC Home Insurance
Covered
- Damage caused by, for example, fire, explosion, storm, hail, lightning, water, collision, ... to your
- Home contents: furniture, clothing, bicycles, jewellery, television sets, etc.
- Pets
- Motor vehicles and their trailers
And we take it a step further: your home's contents is also covered against all types of loss and damage, on condition that you did not expect said event to occur and that the loss or damage amounts to at least 1 250 euros. If you choose to add on this cover, you will also be protected against any loss or damage caused by theft or attempted theft.
Not covered
- Theft and attempted theft
- Loss
- Deliberate damage
- Damage caused by flooding or by the overflowing of public sewers to items outside the home
- Unique property, such as art objects and antiques. We recommend our specific ‘Valuables’ cover for this purpose. Contact our Insurance Expert.
Good to know: KBC Home Insurance
KBC Home insurance for owners may include one or more of the following types of insurance cover: home insurance, home contents insurance, theft insurance for home contents, swimming pool insurance, garden insurance and soil decontamination insurance. These are forms of property damage insurance. These forms of insurance cover are intended for owners-residents of private homes who do not use their home for commercial activities or liberal professions.
- This product is governed by the laws of Belgium.
- Insurance cover under this policy is valid for a term of one year and is tacitly renewed unless you cancel it no later than three months before the main renewal date.
For policies taken out or tacitly renewed on or after 1 October 2024, you have up to two months before the main renewal date to cancel them. As a consumer, you can cancel your insurance contract at any time starting from the second insurance year, with effect after two months have elapsed from the day after the registered letter was submitted for delivery, the writ was served or the date of the acknowledgement of receipt. - Your intermediary is the first point of contact for any complaints you may have. If no agreement can be reached, please contact KBC Complaints Management, Brusselsesteenweg 100, 3000 Leuven, complaints@kbc.be, tel. 016 43 25 94. 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.as, www.ombudsman.as. This does not affect your legal rights.
Contact your insurance expert or visit our website to request a quotation for KBC Home insurance for owners.
KBC Home insurance for owners is a product provided by 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 of 14 July 1979).
Member of the KBC group.