Your family insurance

KBC Family Insurance

Your family insurance

KBC Family Insurance

Get familiy insurance using KBC Touch

Log in to KBC Touch and go to 'Family' to calculate and get personalised family insurance entirely online in just three minutes!

Worldwide cover

Our Family Insurance also provides cover if you cause loss, damage or injury to another individual while abroad.

Specific custom options

We realise that everyone has different needs, and therefore provide a number of custom options for you and your family.

Why choose the Family Policy?

However careful you are, accidents will always happen. Whether you cause loss, damage or injury to another individual, or sustain it as a result of the actions of another party, there are many situations in which our Family Insurance will relieve you of the financial burden – the world over!

Situations in which you are covered by your Family Insurance

  • What if, when visiting friends for a dinner party, you were to accidentally knock an expensive vase off the table? In situations like these, the Family Policy takes the worry out of your hands.
  • What if, while out cycling, you were to forget to give another cyclist right of way, resulting in a collision? In such an event, the Family Policy covers the loss, damage or injury sustained by the other cyclist: their medical expenses, the damage to their bicycle and clothes, ... are all covered.

The Family Policy covers your personal liability

What's insured?

Compulsory family insurance
  • Your liability in the event that you cause loss, damage or injury to an individual outside of your family in the private sphere. In the event that someone files a claim for damages against you, we will defend you. Should you be deemed liable, we will compensate the victim
  • We insure everyone who lives with you
  • This includes cover for loss, damage or injury caused to your animals or other individuals

Compensation and deductible

Per claim event, we compensate up to approximately 24.8 million euros for bodily injuries and up to approximately 6.9 million euros for material damage (October 2015). For material damage only, there is a deductible of approximately 244 euros per claim event (October 2015). These sums are linked to the consumer price index.

What is excluded?

  • Personal injury and property damage you cause to yourself or family members
  • Loss, damage or injury you cause in performing your profession
  • Loss, damage or injury for which you are required to take out compulsory liability insurance, such as third-party motor vehicle insurance, or yacht insurance
  • Loss, damage or injury caused by animals that you, as a private individual residing in Belgium, are not allowed to keep
  • Loss, damage or injury caused by riding-horses that you own
  • Loss, damage or injury caused intentionally by a member of your family aged sixteen or older
  • Loss, damage or injury caused due to gross misconduct on the part of a member of your family aged eighteen or older (e.g., violence, theft, vandalism)
  • Loss, damage or injury you cause with an electric bicycle (speed pedelec). For an electric bicycle, you are required to take out separate liability insurance

Tip

If your children are going to live alone, remember that they will need to take out their own family insurance.

Specific options of our Family Insurance

Not every family situation is the same, and needs can vary from one family to another. Our Family Insurance therefore offers a variety of options for your specific wishes and needs.

Option: legal assistance insurance for the private sphere

This includes the following

  • If you yourself sustain loss, damage or injury, we will assist you in obtaining compensation from the liable party
  • If they do not have the means to pay the compensation, we will provide you with compensation up to 12,500 euros, subject to certain conditions. In the event of bodily injuries, we will pay a further 12,500 euros
  • If you are suspected of having unintentionally committed an offence, you can rely on us to defend you should you have to appear before a criminal court

Compensation and deductible

We will cover the expenses and fees up to a maximum of 10,000 euros for each claim event and for all beneficiaries combined. We will not apply any deductible, so we pay the legal expenses as from the first euro. There is also no threshold (minimum value of the dispute).

What is excluded?

  • Loss, damage or injury connected with the performance of a contract
  • Fines and out-of-court settlements
  • Criminal offences, such as vandalism or fighting
  • Disputes you are involved in as the owner or driver of a motor vehicle

Option: comprehensive legal assistance insurance policy

In addition to the cover provided by the legal assistance insurance for the private sphere, the comprehensive legal assistance insurance policy also provides cover for contractual disputes.

These can include travel or purchase disputes, but also discussions concerning the purchase of a home or a plot of land, or the installation of a central heating boiler or a kitchen.

Option: insurance for your dog

Our dog insurance is an accident insurance policy.

What's insured?

Family insurance and your dog
  • If your dog bites someone, we pay compensation, even if you are not liable. It doesn’t matter who was bitten: a family member, your grandchild, the babysitter, the postman, ….
  • We also pay compensation for bodily injuries when a dog bites a member of your family, even if the owner of the dog is never found or the owner is unable to pay for the damage.
  • If your dog is injured in a traffic accident, we will pay up to 2,000 euros in veterinary fees. If your dog dies following the accident, we will also pay up to 350 euros for their cremation and a new puppy of the same breed, should you wish to acquire one.

Deductible

We do not apply any deductible.

What is excluded?

  • You may not claim on this insurance policy if you keep or breed dogs professionally
  • Accidents not involving traffic in which your dog is the victim (e.g., if your dog fights with another dog or drowns) are not covered by this insurance
  • Veterinary fees for your dog

Additional options

Specific options of our Family Insurance

  • Insurance for your extra-earnings activity
  • Teacher's insurance
  • Childminder insurance
  • Home-help insurance

Things you also need to know

  • 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 terminated 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 no satisfactory solution can be reached, you can contact the Insurance Ombudsman at de Meeûssquare 35, 1000 Brussels, or info@ombudsman.as, www.ombudsman.as
    However, you always retain the right to initiate legal proceedings.

Contact your KBC insurance intermediary or visit our website to request a quotation for KBC Family Insurance.

The KBC Family Insurance policy is a product of 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 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 and the most important exclusions, and also other information, please refer to the product fact sheet

  • product fact sheet
  • general conditions
  • segmentation policy

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