Car insurance for businesses

KBC Vehicle Insurance

Car insurance for businesses

KBC Vehicle Insurance

Calculate online

Work out how much car insurance for your business will cost in just 3 minutes and then buy it online.

Good drivers earn discounts

Drive without causing any at-fault accidents for a year or more and get 10% off your compulsory third-party insurance premium.

Discounted premium for new company cars

As new vehicles are safer than older ones, you get a discounted premium when insuring a new company car.

Looking to take out insurance for your company car? With KBC Vehicle Insurance, you're properly insured before hitting the road. Go for compulsory third-party liability insurance or extend your cover by adding a semi-comprehensive or fully comprehensive policy. If you end up making a claim, your KBC insurance agent is on hand to guide you through the procedure.

Calculate your premium and buy your car insurance online

Interested in finding out what company car insurance will cost you? Calculate your premium in a few easy steps with our handy simulator at the bottom of this page. If you like what you see, take out the insurance online right away.

Why take out car insurance for your business with KBC?

Good drivers are rewarded with no-claims jokers and get to keep their discounted premium even after an at-fault accident

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.

Good drivers earn discounts

If you drive without causing any at-fault accidents for a year or more, you will earn a 10% discount on your third-party liability insurance premium. If you cause an accident but don’t have a joker, you'll lose your discounted premium for a year. If you make it through the following year without causing any at-fault accidents, you'll qualify for the lower premium again.

Insure your new vehicle at a discounted premium

If you're insuring your new company car, you can benefit from a discounted premium, both for your comprehensive insurance and your compulsory third-party liability insurance. This is because new vehicles are safer than older ones.

Buy a new company car and we'll take care of your number plate and all the papers

To help you save time, we will have your number plate and all the papers ready in your car when you collect it from the garage.

What type of insurance can you take out for your company car?

1. 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.

  Semi-comprehensive insurance Fully comprehensive insurance
Glass breakage
At-fault accidents
Theft, attempted theft or break-in
Damage caused by forces of nature (e.g., by hail)
Compensation for additional features if your car is declared a total loss (e.g., a roof box or a set of winter tyres)
Repayment of the vehicle registration tax in the event of a total loss
Filling up with the wrong type of fuel
Compensation increased by 10% if the car is stolen or declared a total loss Optional Optional
Damage caused by collisions with animals
  Learn more about our semi-comprehensive insurance Learn more about our fully comprehensive insurance

The complete list of all the forms of cover and exclusions can be found in our general conditions.


3. Additional driver accident insurance

If you cause an accident and require medical care, we will reimburse the expenses you run up provided you've taken out driver accident insurance. These expenses are not covered under your compulsory third-party liability insurance policy.

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.

Things you also need 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,, 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,,
    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

For a concise description of the cover, the most important exclusions and other useful information, please refer to the product fact sheet.

How much does insurance for your company car cost?