You can pay securely where Visa is accepted in restaurants, hotels, online, abroad or wherever you are. You can also withdraw money from any ATM displaying the Visa logo.

• Extended warranty: This insurance is linked to your Visa card and adds a further two years to the statutory warranty period. So, if your dishwasher, TV or power drill suddenly gives up the ghost after three years, the cost of repair or replacement will be covered.
• Purchase protection: This cover protects your purchases against accidental damage and aggravated theft (involving violence or forced entry) for up to 90 days after purchase. If you buy an expensive jumper and tear the sleeve a week later on a door handle, that’s covered too.

• Damage you cause intentionally
• Ordinary wear and tear

This card has a standard spending limit of 2,500 euros a month.

You can add on our optional financial protection insurance for a small amount each year to cover you:

• if your card is used fraudulently after being lost or stolen
• if you die (any outstanding balance at time of death will be covered)
• if you are unable to work for more than two months as a result of illness or an accident (your minimum repayments will be reimbursed whilst you are incapable of working)

It does not apply, for instance

• if the work disability is the result of drug use or drunkenness
• if, in the case of financial damage due to credit card upon theft or loss of the card, the policyholder reports the incident (via Card Stop) more than 24 hours after the discovery of the theft or loss of the card

• The insurer is London General Insurance Company Ltd., with its offices in Integra House, Vicarage Road, Egham, Surrey, TW20 9JZ, United Kingdom, licensed under code 987 to provide insurance services for the coverage of financial losses (16) via its branch office at Steenpoeldreef 11, 1850 Grimbergen, Belgium.
• The administrator is TWG Services Ltd., with its offices in Integra House, Vicarage Road, Egham, Surrey, TW20 9JZ, United Kingdom, supervised by the British Financial Conduct Authority and registered under number 312440, with a branch in the Netherlands, conducting business there under the name The Warranty Group Europe, the Netherlands, with its offices at President Kennedylaan 106, Velp, conducting business in Belgium within the framework for the free provision of services, and authorised to act as an insurance intermediary, acting in this regard as administrator for account of London General Insurance Company Ltd.
• Your KBC Brussels Bank branch is the first point of contact for any complaints you may have about this advertisement. If no agreement can be reached, you can contact KBC Brussels Complaints Management by post at Brusselsesteenweg 100, 3000 Leuven, by e-mail at complaints@kbcbrussels.be, by telephone on 0800 620 84 (free number) or + 32 78 15 20 45 (pay number), or by fax on + 32 16 86 30 38.
• If you have a complaint concerning this advertisement and cannot reach a suitable resolution, you can contact the Mediation Service (Banks-Credit-Investments) by post at Belliardstraat 15-17 box 8, 1040 Brussels, by telephone on +32 2 545 77 70, by fax +32 2 545 77 79, or by e-mail at ombudsman@ombfin.be.
• If you have any complaints concerning this insurance, you can address them to the Management, London General Insurance Company limited, c/o The Warranty Group Europe, Uitbreidingstraat 84, 2600 Berchem, or send an e-mail to info.nl@thewarrantygroup.com.
• If no satisfactory solution can be reached, 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.

• The insurer is KBC Insurance NV – Professor Roger Van Overstraetenplein 2 – 3000 Leuven – Belgium – VAT No. BE 0403.552.563 – RLP Leuven – IBAN BE43 7300 0420 0601 – BIC KREDBEBB – Company authorised for all classes of insurance under code 0014 (Royal Decree of 4 July 1979; Belgian Official Gazette, 14 July 1979) by the National Bank of Belgium, De Berlaimontlaan 14, 1000 Brussels, Belgium. Member of the KBC group.
• Your KBC Brussels Bank branch is the first point of contact for any complaints you may have about this advertisement. If no agreement can be reached, you can contact KBC Brussels Complaints Management by post at Brusselsesteenweg 100, 3000 Leuven, by e-mail at complaints@kbcbrussels.be, by telephone on 0800 620 84 (free number) or + 32 78 15 20 45 (pay number), or by fax on + 32 16 86 30 38.
• If you have a complaint concerning this advertisement and cannot reach a suitable resolution, you can contact the Mediation Service (Banks-Credit-Investments) by post at Belliardstraat 15-17 box 8, 1040 Brussels, by telephone on +32 2 545 77 70, by fax +32 2 545 77 79, or by e-mail at ombudsman@ombfin.be.
• If you have a complaint with regard to insurance, 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.

• You can submit a claim under the insurance as long as your credit card is active and you have paid the card fee. The insurance ends automatically when the contract between the KBC Brussels Bank NV and the insurer is cancelled.
• Belgian law applies to all specified insurance cover.
• This insurance is a class 16 product (financial loss insurance).
• You must have signed up for the insurance to be able to make a claim. Signing up for the insurance is free of charge, except in the case of Financial Protection Insurance.
• The conditions of cover are available here and in any KBC Brussels Bank branch. The applicable general conditions alone determine your right to compensation from the insurer.