Vehicle Insurance for LGVs

Statutory third-party liability insurance and additional forms of cover are available

Vehicle Insurance for LGVs

Statutory third-party liability insurance and additional forms of cover are available

KBC Vehicle Insurance for LGVs provides you with comprehensive cover when you are on the road. You build your own package: besides the compulsory third-party liability insurance, you can add various forms of cover ranging from assistance insurance to insurance for goods in transit.

Under this policy, you can take out the following forms of cover:

  • Compulsory Third-Party Liability Insurance
  • Legal Assistance Insurance
  • Fully Comprehensive Insurance
  • Partial Comprehensive Insurance
  • KBC-VAB Assistance
  • Driver Accident Insurance
  • Goods in Transit Insurance 

Compulsory Third-Party Liability Insurance

What is it?

If you have an LGV, you are required by law to take out third-party liability insurance. This insurance will cover damage you cause to others with your car, but not the damage to your own car. The third-party liability insurance is valid in Belgium and all countries not crossed out on your international motor vehicle insurance certificate (the ‘green card’ that you must have in your vehicle at all times).

You can also take out this insurance for your trailer.

What is insured?

  • Material damage or bodily injury you cause to others with your LGV;
  • Compensation for injuries sustained by pedestrians, cyclists or passengers in traffic accidents in which your vehicle is involved, even if you are not liable.

Most important exclusions

  • Damage to your own vehicle;
  • Damage you cause intentionally;
  • Bodily injuries sustained by the driver.

Legal Assistance Insurance

What is it?

If a discussion arises concerning your LGV, this insurance provides for legal assistance and support. Specifically, this means informing you of your rights, collecting information including documentary evidence and witness statements, ordering the necessary investigations, and negotiating with the other party. You can also take out this insurance for your trailer.

What is insured?

  • Assistance in recovering your loss from the other party;
  • Legal assistance in contractual disputes, for instance involving the purchase or repair of your car;
  • Legal assistance in administrative disputes with the government, for instance concerning the registration of your vehicle or the revocation of your driving licence;
  • Legal assistance from a lawyer if you are required to appear before the court in connection with a traffic offence.

Most important exclusions

Disputes related to:

  • the transport of persons or goods for remuneration carried out by you
  • the hiring or renting of your vehicle, instalment purchase, hire purchase and other similar financing;
  • deliberate violations.

Comprehensive Insurance

What is it?

Insurance that provides extensive protection. It is a type of property damage insurance that covers all manner of loss and damage, such as damage to and theft of your vehicle. You can also take out this insurance for your trailer.

What is insured?

  • Damage caused by an accident;
  • Vandalism;
  • Damage caused by natural disasters, including storms, hail, flooding, etc.;
  • Martens gnawing at pipes, cables or insulation in the engine bay;
  • Break-ins, theft and attempted theft;
  • Glass breakage.

Most important exclusions

  • Malicious damage;
  • Damage caused by wear and tear or lack of maintenance;
  • Facilitation of theft by leaving your insured vehicle unlocked and unattended on a public road or in another location accessible to the public.

Partial Comprehensive Insurance

What is it?

This is a form of property damage insurance that covers damage to your vehicle and provides you with a bit more security for an older car. Whilst fully comprehensive insurance is not worthwhile for an older car, you still want to be properly insured. The major difference when compared to fully comprehensive insurance is that partial comprehensive insurance does not cover damage caused by a collision or another traffic accident.

What is insured?

  • Damage caused by fire, explosion or fire-extinguishing operations;
  • Damage caused by theft;
  • Damage caused by natural disasters, storms, lightning strikes, hail or flooding;
  • Damage caused by a collision with wild or stray animals;
  • Broken or cracked car windows or sunroofs;
  • Medical expenses if you are injured in a car-jacking or home-jacking. 

Most important exclusions

  • Damage to your vehicle caused by a traffic accident;
  • Damage resulting from wear and tear or an obvious lack of maintenance
  • Facilitation of a break-in by leaving the vehicle unlocked;
  • Malicious damage.

KBC-VAB Assistance

What is it?

Assistance in the event of an accident or breakdown. Depending on the options chosen, this can vary from assistance in the event of an accident or provision of a replacement vehicle. 

Available cover

  • Personal assistance in the event that family members who live with you suffer health issues while travelling. In addition, hospitalisation, repatriation, a forced extended stay, medical expenses, etc.;
  • Vehicle assistance;
  • VAB membership;
  • Replacement vehicle, including specially equipped vehicles.

Most important exclusions

  • Damage you have caused maliciously;
  • Repairs (only the towing costs, the costs of shipping replacement parts, etc.).

Driver Accident Insurance

What is it?

Insurance for bodily injuries you could sustain in an accident as an LGV driver.

What is insured?

  • Reimbursement of expenses for medical treatment required as a result of the accident;
  • Extensive compensation in the event of permanent injuries;
  • Compensation for your surviving relatives if you die as a result of the accident.

Most important exclusions

  • Accidents caused maliciously;
  • Accidents caused whilst in a state of alcohol intoxication with a blood alcohol concentration (BAC) of more than 1.5 or in a state of drunkenness.

Goods in Transit Insurance

What is it?

This is a form of property damage insurance that covers the equipment and merchandise stored in your LGV against damage or theft while you are transporting it. This only applies for transport for own account. 

What is insured?

  • Equipment and merchandise in the event of a traffic accident;
  • Loading or unloading;
  • Fire, explosion or fire-extinguishing operations;
  • Vandalism;
  • Forces of nature;
  • Theft.

Most important exclusions

  • The vehicle itself;
  • Damage caused by overloading or the poor condition of the vehicle;
  • Theft from the passenger compartment;
  • Certain goods, such as valuables, jewellery and animals.

Additional information: Trailer Insurance

There various forms of cover available for your trailer:

  • An attached trailer is always covered by the third-party liability insurance for an LGV.
  • For detached trailers with a GVM exceeding 500kg, compulsory third-party liability insurance needs to be taken out.
  • You can also take out legal assistance insurance for your trailer.

More things you need to know

KBC Vehicle Insurance for LGVs may include one or more of the following forms of cover:

 

  • Compulsory Third-Party Liability Insurance
  • Legal Assistance Insurance
  • Fully Comprehensive Insurance
  • Partial Comprehensive Insurance
  • KBC-VAB Assistance
  • Accident Insurance
  • Goods in Transit Insurance

This product is governed by the laws of Belgium.

 

The insurance in this policy applies 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 your 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 0800 62084 (freephone number) or 078 152045 (paid number), or by fax on 016 863038. If you cannot find a suitable solution, you can contact the Insurance Ombudsman – which serves the whole industry – by post at de Meeûssquare 35, 1000 Brussels, by e-mail at info@ombudsman.as, or through its website at www.ombudsman.as. However, you always retain the right to initiate legal proceedings.

Contact your KBC insurance intermediary to request a quotation for KBC Vehicle Insurance for LGVs.

For a concise description of the cover and the most important exclusions under the various forms of cover under this insurance, and also other information, please refer to the product fact sheet

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