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
An electric car requires insurance that takes into account the specific risks associated with the vehicle. These include the theft of your charging cable, breakdowns due to a flat battery, and the costs of extinguishing a fire. KBC Brussels’s car insurance offers three levels of cover that you can tailor to your specific needs.
Insure your car the way you want
Put together your own insurance package with KBC. You start with compulsory third-party liability (TPL) insurance and then choose which add-on cover you want, such as fully comprehensive or semi-comprehensive insurance. You get to decide what you need based on the value of your vehicle, the number of kilometres you drive and your budget.
Enhance your cover with our optional cover:
Legal assistance insurance
Your car insurance helps in the event of damage. Legal assistance provides you with legal support.
If you’ve been in an accident and you want the other party to pay for the damage, you can receive legal advice and assistance. Court costs and other legal expenses are also covered up to a value of 100 000 euros.
Learn more
Driver accident insurance
Your third-party liability insurance protects others, while driver accident insurance protects you. If you’re responsible for an accident in which you are injured while driving, this insurance helps you deal with the financial consequences of your injuries. It also covers other drivers that you allow to drive your car.
Vehicle assistance and personal assistance
Your car insurance helps after an accident. KBC-VAB Assistance Insurance also helps if you have car trouble while travelling.
Got a flat battery, a puncture or broken down on the road? Thanks to our partnership with VAB, help is on the way. Under your compulsory third-party liability insurance, you’re entitled to have your vehicle towed away for free in Belgium.
Even if you’re abroad, our comprehensive vehicle assistance means you can rely on rapid support if you have car trouble or an accident.
Check out the benefits of car insurance with KBC Brussels
Just bought a car? Get protected for longer
In the event of a total loss or theft, we’ll reimburse the full purchase price of your new electric car for up to 48 months² after purchase. For second-hand cars, a 24-month³ purchase price guarantee applies. As an additional option, we will also increase the compensation by 10% if the car is declared a total loss.
1 The kilometre discount applies to the premium for third-party liability insurance and for semi- and fully comprehensive insurance (doesn’t apply to the assistance insurance component). The discount applies to new insurance as well as the replacement of a vehicle under existing insurance cover.
2 Valid for new cars and second-hand cars that are up to three years old.
3 Valid for second-hand cars that are more than three years old
Other useful information when looking to insure your electric car
Does the price of my vehicle affect my insurance premium?
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.
Am I insured for damage caused by a defect in the charging point?
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*.
What should you do if your car is damaged?
Accident, glas breakage, theft? Help with filing a car accident claim.
Things you should know about KBC Brussels Car Insurance (KBC Vehicle Insurance for Passenger Cars):
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 the policy is valid for a term of one year and is tacitly renewed unless you cancel it no later than two months before the main renewal date. As a consumer, you can cancel your policy 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, 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 Vehicle 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.
What is and isn’t covered under third-party liability insurance
What is 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)
What is not covered?
- Damage to your own vehicle
- Bodily injuries sustained by the driver in a traffic accident
- Damage caused by taking part 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
What is covered?
- Damage caused by martens gnawing on cables and conduits
- Breakage of car window glass or sunroof glass
- Break-ins, theft and vandalism during theft
- Hail damage or damage caused by forces 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
- Falling aircraft or 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)
What is not covered?
- Damage to your own car caused by a traffic accident (for which you can take out our fully comprehensive insurance)
- Your physical injuries as the driver of your vehicle (for which you can take out our driver accident insurance)
- Theft resulting from leaving the vehicle unlocked and unattended on a public road
- Damage caused by wear and tear or lack of maintenance
- Damage caused intentionally
The complete list of exclusions can be found in the general conditions.
What is and isn’t covered under fully comprehensive insurance
What is covered?
- Damage caused by a collision, fire, glass breakage, theft, vandalism, forces of nature, filling up with the wrong type of fuel, collisions with animals, and gnawing martens
- The cost of replacing locks or reprogramming the locking system if the car keys are stolen
- Medical expenses as a result of a carjacking or home invasion
- Vehicle registration tax is covered free of charge if your vehicle is declared a total loss
- Damage to transported items intended for personal use is compensated up to 1 500 euros in the event that the car is also damaged (e.g., bicycles on the bicycle rack or luggage in the roof box)
- 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)
What is not covered?
- Damage 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 resulting from failure to comply with legal driving conditions
- Damage caused intentionally
- Theft resulting from leaving the vehicle unlocked and unattended in a public place
- 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.