Company car insurance
- Extensive cover for electric vehicles too
- Purchase price guarantee of up to 48 months – only at KBC
- Ability to calculate and take out insurance quickly online
Why take out company car insurance with KBC?
We’re here to support you in choosing more sustainable products. If you decide to insure your electric vehicle under our fully comprehensive policy, we’ll extend the purchase price guarantee to 48 months, i.e. we’ll reimburse the original purchase price of your car if it is declared a total loss.
When running a business, the last thing you want to do is waste time. With your new car, it's important to get out on the road as quickly as possible knowing your properly insured. And if your company car needs to be replaced, it's good to know you can calculate your premium and take out your insurance online in a matter of minutes. KBC will take care of the rest of the paperwork.
At KBC, you can take out compulsory third-party liability insurance, but also put together your very own package to suit your business needs.
With KBC's comprehensive insurance, you can take to the road in your electric or plug-in hybrid car with peace of mind, knowing that any damage to the vehicle or the battery is covered by the insurance.
We’re here to support you in choosing more sustainable products. If you decide to insure your electric vehicle under our fully comprehensive policy, we’ll be pleased to give you a tidy discount and an extended purchase price guarantee of up to 48 months.
Learn more about company car insurance
If you opt for an electric vehicle, you face other risks than with a traditional car, such as damage to or theft of your charging cable when in use, damage to the battery after an accident or damage caused by fire and melting due to a short circuit. However, when you have comprehensive insurance, you don't have to worry about a thing.
What's more, KBC-VAB Roadside Assistance Insurance is included under the all-risks comprehensive insurance policy. So, if your battery unexpectedly goes flat, we’ll help you get back on the road in no time.
If your own charging station gets damaged, it isn't covered by KBC‘s comprehensive insurance for company cars, but it may well be by your home insurance.
- Get the full amount you paid for a new fully electric car up to 48 months after purchasing it
- Benefit from 24-month purchase price guarantee coverage for second-hand electric cars
- Get the full amount you paid for a new fossil-fuel car up to 30 months after purchasing it
We will increase the compensation by 10% no matter the type of vehicle (if you don't want the '10% extra' option, contact your insurance expert).
Your good driving habits will earn you 10% off your third-party liability insurance premium if you drive without causing any at-fault accidents for a year or more. After five years, you will be rewarded with a no-claims joker. If you are involved in an accident where you're at fault and you use this joker, you will avoid your premium going up.
If you drive without causing any at-fault accidents for another five years after this, and your company car remains insured the entire time, you will earn another no-claims joker.
To help you save valuable time, we'll have your number plate and all the papers ready in your car when you collect it from the garage.
If your vehicle gets damaged, the administration associated with a claims submission, the assessor's report and repair work is done mainly online to quicken up the entire process.
You choose where to have your car repaired, but if you go for one of the repairers in the network which KBC Insurance works with, KBC will pay the repairer directly. Our approved network of repairers will also provide you with a replacement vehicle for the duration of the repair work, if:
- you have taken out comprehensive insurance
- you are involved in an accident in which you are not liable
The network of approved repairers is provided on our website.
What type of company car insurance can you take out?
1. Compulsory Third-Party Liability Insurance
If you want to drive your company car on public roads, you are required by law to take out third-party liability insurance. It covers any loss, damage or injury you cause to others if you are at fault. In such cases, however, any damage to your car is not insured.
2. Extend your cover by adding Semi-Comprehensive or Fully Comprehensive Insurance
When you take out semi-comprehensive insurance, you are covered in most claim events caused by someone other than yourself. Our fully comprehensive insurance policy covers virtually any claim, unless it is included on the limited list of exclusions.
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Glass breakage |
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Damage caused by forces of nature (e.g., by hail) |
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Damage caused by collisions with animals |
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Break-ins, theft or attempted theft |
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Fire |
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Compensation for additional features if your car is declared a total loss (e.g., a set of winter tyres or a roof box) |
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Reimbursement of the vehicle registration tax in the event of a total loss |
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At-fault accidents |
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Vandalism |
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Filling up with the wrong type of fuel |
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‘10% extra’ formula: compensation increased by 10% if the car is stolen or declared a total loss |
Optioneel | Optioneel |
| More information | More information |
Glass breakage
Damage caused by forces of nature (e.g., by hail)
Damage caused by collisions with animals
Break-ins, theft or attempted theft
Fire
Compensation for additional features if your car is declared a total loss (e.g., a set of winter tyres or a roof box)
Reimbursement of the vehicle registration tax in the event of a total loss
At-fault accidents
Vandalism
Filling up with the wrong type of fuel
‘10% extra’ formula: compensation increased by 10% if the car is stolen or declared a total loss
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Glass breakage |
More information |
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Damage caused by forces of nature (e.g., by hail) |
More information |
|---|---|
Damage caused by collisions with animals |
More information |
|---|---|
Break-ins, theft or attempted theft |
More information |
|---|---|
Fire |
More information |
|---|---|
Compensation for additional features if your car is declared a total loss (e.g., a set of winter tyres or a roof box) |
More information |
|---|---|
Reimbursement of the vehicle registration tax in the event of a total loss |
More information |
|---|---|
At-fault accidents |
More information |
|---|---|
Vandalism |
More information |
|---|---|
Filling up with the wrong type of fuel |
More information |
|---|---|
‘10% extra’ formula: compensation increased by 10% if the car is stolen or declared a total loss |
More information |
|---|---|
| Optioneel | |
| Optioneel |
3. Supplementary driver accident insurance
If you have an accident, the damage caused to others is covered by your third-party liability insurance policy, while damage to your own car is covered by your fully comprehensive insurance policy.
However, if you suffer injuries and also want the medical expenses to be reimbursed, you need to have supplementary driver accident insurance.
4. Personal assistance and roadside assistance
Supplementary roadside assistance and personal assistance insurance provides cover if your car breaks down or you have an accident – either in Belgium or abroad.
5. Legal assistance insurance
There’s always the possibility that you’ll end up in a dispute following an accident. If there is disagreement with the other party regarding compensation or the repair work, this supplementary cover ensures you receive legal assistance to recover the cost of your loss or damage – either through litigation or an out-of-court settlement. Your legal expenses are covered up to 100 000 euros.
Good to know
KBC Vehicle Insurance 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.
{{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 (free of charge) or + 32 78 15 20 45 (charges apply), fax + 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, www.ombudsman-insurance.be.
This does not affect your legal rights. Visit our website or contact your KBC Insurance Expert to request a quote for KBC Vehicle Insurance Car Insurance .
KBC Vehicle Insurance 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
