Family insurance

KBC Family Insurance

Family insurance

KBC Family Insurance

Nearly 90% of Belgians have family insurance

If you're negligent or make a mistake causing someone loss, damage or injury, they could sue you. Family insurance covers you for this, making it a virtual necessity for everyone.

Get it online in just 3 minutes

Calculate your premium in KBC Touch, sign the policy and tomorrow you're already covered worldwide.

File claims with our app

Use our KBC Assist app to file claims with us fast wherever you are, then we'll do the rest for you in no time.

Did you know that nearly 90% of Belgians have family insurance?

Family insurance covers you for personal third-party liability. If someone suffers loss, damage or injury as a result of you being clumsy, negligent or forgetful or because of your children or dog, they could sue you for compensation. Family insurance covers you for this. The other way around, if you suffer loss, damage or injury because of someone else's mistake or negligence, our legal assistance policy in the context of your private life provides you with the necessary legal support and assistance to seek compensation for this damage. It is included as standard in your family insurance if you take it out through KBC Touch. Ask us today what KBC Family Insurance can do for you.

Family insurance isn't obligatory, yet nearly all Belgians have it for their family. You really can't do without it, especially if you have children. Little accidents can have big consequences. Say the worst happened and you paralysed someone. You could be paying for the rest of your life. KBC Family Insurance covers you in such situations for a relatively low premium.

If you need more than the standard insurance it provides, you can add cover like legal assistance insurance or insurance for your dog.

Four common claims

The family insurance claims we see most often are for things like:

  • Water leaks in bathrooms causing damage in a neighbouring property
  • Accidental damage to other people's smartphones with cracked screens
  • Damage caused by bikes between two parked cars accidentally leaving scratches
  • Felled trees falling the wrong way causing damage to a neighbour's property

What does KBC Family Insurance cover?

Here are the main types of cover provided by our family insurance and some key exclusions.

Covered Not covered
Personal third-party liability (claims by someone outside your family involving loss you're liable for) Loss, damage or injury you cause to yourself or a member of your family
If you're liable, we'll pay the compensation Loss, damage or injury due to gross misconduct by a member of your family aged 18 or over (including violence, theft and vandalism)
All those who live with you Loss, damage or injury caused intentionally by a member of your family aged 16 or over
Loss, damage or injury caused by your animals to other individuals Loss, damage or injury caused by your riding horses or by animals you're not allowed to keep as a private individual resident in Belgium

KBC Family Insurance runs for one year and renews automatically unless you cancel it no later than three months before the principal renewal date.

Compensation and deductible

  • We provide cover of up to 25 million euros for bodily injuries and there's no deductible to pay
  • We provide cover of up to 7 million euros for property damage; you pay a deductible of around 249 euros per claim

These sums are linked to the consumer price index.

Personal liability insurance with legal assistance

If you want to sue someone, say, for medical malpractice, our personal liability insurance with legal assistance is a big help. That's why we include it along with personal third-party liability insurance as part of our standard policy to make sure you're well and truly insured.

If you need it, we'll call in specialist help like lawyers, doctors or loss adjusters. We cover fees and outlays up to 100 000 euros per claim and for all beneficiaries combined. We don't apply a deductible or minimum amount, so we cover the full legal expenses.

What's included

  • If you sustain loss, damage or injury, we'll help you get compensation from the liable party.
  • If they're unable to pay compensation, we'll pay it up to 12 500 euros under certain conditions. In the event of bodily injuries, we'll pay a further 12 500 euros.
  • If you're suspected of an unintentional offence, we'll arrange a lawyer to defend you if you're summonsed to appear in court.

There are a number of things we don't insure. These include fines and out-of-court settlements, offences like vandalism or fighting and disputes involving motor vehicle owners and drivers.

Claims involving performance of a contract are only insured if you've added our personal liability insurance with legal assistance including contractual disputes under your policy.

Get extra insurance for your dog

Our standard policy covers your liability for any loss, damage or injury that your dog causes to someone outside your family. However, that's not all that can go wrong, whether it involves your dog or someone else's. You can protect yourself against this by adding our dog insurance, a type of accident insurance policy.

What's insured?

  • If your dog bites someone, we'll pay them compensation up to 1.5 million euros, even if you're not liable. It doesn’t matter who's bitten: a family member, the babysitter, the postman, whoever.
  • We also pay up to 1.5 million euros in compensation for bodily injuries if another dog bites a member of your family, even if the dog's owner is never tracked down or they don't have the money to pay the compensation.
  • If your dog is injured in a traffic accident, we'll cover up to 2 000 euros in vet's fees and – in the worst-case scenario – cremation expenses of up to 350 euros. We'll even cover the cost of buying a new puppy of a similar breed.
  • If you're hospitalised and there's nobody to take care of your dog, we'll cover the cost of kennels up to 300 euros per claim.

We don't apply a deductible, so we pay from the first euro.

There are a number of things we don't insure. These include vet's fees if your dog is unwell or accidents not involving traffic in which your dog is the victim (like a fight with another dog) and dogs you keep or breed professionally.

Add personal liability insurance with legal assistance including contractual disputes

Extend your policy with our personal liability insurance with legal assistance, plus cover for legal support in contractual disputes for when you travel or make large purchases. Disputes must be for over 200 euros.

Consumer disputes could include when a:

  • New TV doesn't work and the shop refuses to replace it
  • Landlord refuses to fix a broken front door
  • Seller of a building plot you're buying suddenly raises their asking price after signing the pre-contract
  • New boiler or kitchen you've had installed is badly fitted
  • Luxury cruise you booked turns out to be on an old rust-bucket

Options for specific situations

For people who regularly perform extra-earnings activities or employ domestic staff, it is usually advisable (and sometimes compulsory!) to take out additional insurance. Your KBC Family Insurance policy lets you add:

Filing and following up claims

KBC Assist - Ongeval en schade

File claims with us quickly and easily using our KBC Assist app or directly with your KBC Insurance intermediary. If you can, it's advisable to take photographs where necessary to support your claim.

Learn more about KBC Assist

Queries or complaints

Your intermediary is the first point of contact for any complaints you may have.  Their details are given in your policy available in KBC Touch. If you are unable to reach agreement, KBC Complaints Management will be pleased to assist you. Contact us at Brusselsesteenweg 100, 3000 Leuven,, tel. 0800 62 084, (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,, This does not affect your legal rights.

Get advice and take out your insurance online

Work out your KBC Family Insurance using KBC Touch in just 3 minutes, then take it out online right after.

  • Click or tap 'Family' then the plus sign next to 'Insurance for your family'
  • Answer a few questions and we'll suggest the policy that fits your specific situation
  • Take out your policy and pay your first premium to be insured worldwide the next day

Alternatively, just drop in to us to learn more and take out your family insurance.

Details of this policy

KBC Family Insurance is a product provided by KBC Insurance NV, member of the KBC Group (Professor Roger Van Overstraetenplein 2, 3000 Leuven, Belgium. VAT 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).

Belgian law applies to this product.

See the product fact sheet for a concise description of the cover and the most important exclusions, as well as other useful information

  • Product fact sheet
  • General conditions
  • Segmentation policy

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