Company car insurance

  • Comprehensive cover for electric vehicles too
  • In the event of a total loss, comprehensive insurance provides a 30-month
    purchase price guarantee
  • Ability to calculate and take out insurance quickly online
Work out your company car insurance

Get two 2 months' free comprehensive insurance for your electric vehicle

Take out fully comprehensive insurance for your electric or plug-in hybrid vehicle before 31 December 2022, and get two months for free*. When running the simulation, enter OMNIUM2022 as your voucher.

  • Get the full price of your car reimbursed up to 30 months after purchasing it if declared a total loss or stolen
  • Go for the ‘10%’ option and we'll increase the compensation by 10% in the event of total loss or theft
  • Get proper protection for electric vehicle batteries and charging infrastructure

* Deducted from your first annual premium. Offer valid until December 31, 2022 and subject to acceptance of the risk to be insured.
 

Why take out car insurance for your business with KBC?

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 look after 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. When you buy a new car or decide to go for a hybrid or electric vehicle, you'll also get a discounted premium.

With KBC's comprehensive insurance, you can take to the road in your electric or hybrid car with peace of mind, knowing any damage to the vehicle or the battery is covered by the insurance.
 

Learn more about our company car insurance

1. Your electric or hybrid car is also comprehensively covered

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 is damaged, it isn't covered by KBC Comprehensive Car Insurance, but it may well be by your home insurance.
 

2. 30-month purchase price guarantee provided with comprehensive insurance

If your car has been written off, we'll ensure that you lose as little money as possible by reimbursing the amount you paid for the car up to 30 months after purchasing it. When you take out your insurance contract, you can also add the '10% extra' option – for a small additional fee – and receive an additional 10% in compensation if your vehicle is declared a total loss. It means a number of other costs will also be covered, such as your vehicle registration tax and up to 2 000 euros for accessories that were fitted later.

 

3. Reward for good drivers

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.

 

4. Take to the road with peace of mind – KBC will take care of the paperwork when you buy a new car

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.

 

5. Efficient, electronic claims handling via an approved network of repairers

If your vehicle is 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 (the complete list can be found in the general conditions at the bottom of this page).

Semi-comprehensive car insurance Comprehensive car insurance

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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Theft, attempted theft or break-in

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Fire

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Compensation for additional features if your car is declared a total loss (e.g., a roof box or a set of winter tyres)

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Repayment 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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Compensation increased by 10% if the car is stolen or declared a total loss

Optional Optional

3. Additional 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 comprehensive insurance policy.

However, if you suffer injuries and also want the medical expenses to be reimbursed, you need to have additional driver accident insurance.

4. Personal assistance and roadside assistance

Additional roadside assistance insurance and personal assistance insurance provide 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

Our vehicle insurance may include various obligatory and optional insurance: Compulsory Third-Party Liability Insurance, Legal Assistance Insurance, All Risks Comprehensive Insurance, Partial Comprehensive Insurance, KBC-VAB Assistance 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 will be tacitly renewed, unless it is cancelled no later than three months before the principal renewal date
  • 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), tel. + 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: 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 Vehicle Insurance for passenger cars. KBC Vehicle Insurance is a product from KBC Insurance NV – Professor Roger Van Overstraetenplein 2 – 3000 Leuven – Belgium

VAT BE 403.552.563 – 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

Read this information carefully before taking out this insurance