Insured during your holidays

KBC Holiday Insurance

Insured during your holidays

KBC Holiday Insurance

Tailor-made for your holidays

KBC Holiday Insurance is a temporary policy you can take out for the duration of your trip so you are properly covered while you are away.

For up to ten people

You are free to determine who the policy covers, and can take it out for up to ten people

VIP option available

Our standard policy offers extensive and generous cover, but there is also a VIP option if you want even more comprehensive cover. The VIP option is available for any cover you take out as part of the policy, with the exception of cancellation cover.

Why choose KBC Holiday Insurance?

A holiday is supposed to be a relaxing experience, so you should be able to enjoy yourself without any worries, even in the event of an emergency, or if you have to cancel your trip. KBC Holiday Insurance gives you peace of mind, thanks to the specific holiday and travel cover it provides you with for the duration of your trip. You choose whichever cover you feel you require.

You take several trips and holidays a year?

You love a city trip, a holiday at the beach during the summer and in the mountains in winter, or you travel around the world for business? KBC Holiday Insurance will provide you with all the cover you need. This is an annual product covering all your travel for a period of one year. For an individual trip, it can also be worthwhile to opt for an annual policy, as it often works out cheaper.

What cover can you take out?

Business travel option

The personal assistance cover applies to both personal and business travel, while the other cover offers the same scope on condition that the business travel option is chosen. ‘Business travel’ is travel connected with a business or the execution of a profession.

Personal assistance cover

What is it?

Personal assistance cover is primarily for health issues that occur during travel, either through illness or accidents.

What is insured?

  • Illness and accidents and the consequences thereof, such as repatriation, hospitalisation and a forced extended stay
  • Medical expenses incurred outside Belgium are reimbursed up to 500,000 euros per insured person
  • If you choose the VIP option, the sums insured will be doubled

What is not insured? Main exclusions:

  • Complications occurring after the second trimester of pregnancy, and childbirth expenses;
  • Complications related to, or worsening of, an existing illness if you have not followed the treatment prescribed;
  • Participation in the paid or profitable practice of sports, including training;
  • Participation in extreme outdoor activities, i.e. outdoor activities where the external conditions or level of difficulty involved pose a potential danger to the insured person’s life. Examples include base jumping, heli-skiing and wreck diving.

Additional information

  • You can count on rapid, professional assistance, 24/7.
  • The personal assistance cover is valid for travel in geographical Europe or worldwide. This is determined by your farthest destination.
  • We will refund any communication expenses you incur abroad at our request, along with any fees charged to you when we phone you at your destination.

Cancellation cover

What is it?

Cancellation cover compensates you for the fees you cannot recover if you have to cancel your trip unexpectedly or return home prematurely.

What is insured?

The following events qualify as valid reasons for cancelling your trip or returning home prematurely:

  • Health-related reasons, such as illness, an accident or death;
  • Studies or work, such as exam resits or redundancy;
  • Government and travel formalities, such as a call for jury duty or a travel warning or travel alert issued by the Belgian Ministry of Foreign Affairs after the trip was booked;
  • A missed aeroplane, boat or train: unexpected delay of the booked transport by at least 48 hours, etc.

What is not insured? Main exclusions:

  • Events you were already aware of before you booked the trip or took out the insurance that mean that the cancellation cannot be considered unexpected;
  • Complications related to, or worsening of, an existing illness that can be regarded as a normal part of the illness, which were known when the trip was booked.

Additional information

  • It is impossible to list all the situations for which a cancellation might be justified. We therefore offer you additional peace of mind by accepting any event not specified that is a force of nature completely beyond your control. If you choose this option, you will be expected to contribute 25% of the insured expenses.  
  • We will reimburse up to a maximum of the total cost of one specific trip.
  • The cover applies for travel in geographical Europe or worldwide. This is determined by your farthest destination.

Luggage cover

What is it?

Luggage cover is a form of non-life insurance against theft of or damage to your luggage, or loss of your luggage by the transport company.

What is insured?

Your luggage and any items you rent or use free of charge while on your trip will be covered up to 1,500 euros per insured person. If you choose the VIP option, the sums insured will be doubled.

The following events are covered if they occur during your trip:

  • Theft involving violence, threats or a break-in from a vehicle, the place where you are staying or your person;
  • Damage or destruction caused by a sudden and unexpected event, such as a collision;
  • Failure by the transport company to deliver your luggage or luggage it delivers damaged

What is not insured? Main exclusions:

  • Damage to the property caused solely by use;
  • Damage to the property caused by cleaning, processing or repair;
  • Damage you cause intentionally;
  • Damage caused by the paid or profitable practice of sports, including training for such sports

Additional information

  • We cover the expenses incurred to replace credit or payment cards, ski passes, visas, passports and other travel documents.
  • We will subtract a deductible of 100 euros per claim from the compensation you receive.
  • Additionally, if your luggage is not delivered to your foreign travel destination within four hours of your arrival, we will reimburse up to 250 euros per insured person for expenses related to the emergency purchase of substitute clothing and personal care items.

Extra-protection travel accident cover

What is it?

Extra-protection travel accident cover insures you for expenses you incur due to an accident during your trip.

What is insured?

If you have an accident during your trip, we will pay the following:

  • Compensation in the event of permanent disability;
  • Compensation in the event of death.

The maximum compensation in the event of permanent disability is 100,000 euros. The compensation in the event of death is 10 000 euros. We will also reimburse up to 10,000 euros for the funeral expenses actually incurred.

If you choose the VIP option, the sums insured will be doubled.

What is not insured? Main exclusions:

This cover does not provide insurance in the following cases:

  • Accidents that occur during participation in extreme outdoor activities, including base jumping, heli-skiing and wreck diving;
  • Participation in paid or profitable sports, including training for such sports.

Additional protection abroad:

If, as a vulnerable road user, you are the victim of a collision in Belgium involving a motor vehicle, you will be entitled to a higher level of compensation. This does not apply outside of Belgium. However, KBC will supplement the compensation you receive for permanent disability or death up to the level that is customary in Belgium. This additional protection also applies if, as the driver of the motor vehicle concerned, you are not liable for the collision.

The additional protection provides cover of up to 250,000 euros per insured person.

If you choose the VIP option, the sums insured will be doubled.

Travel disputes cover

What is it?

Travel disputes cover is a form of legal assistance insurance that provides you with legal assistance and support while you are travelling, or in relation to the trip you have booked.

What is insured?

  • Disputes with tour operators, rental companies, repair companies and other service providers;
  • Problems involving police and government authorities outside Belgium.

If you use our legal assistance services, we will always aim to reach an amicable settlement where possible. We will support you both during the court proceedings and out of court, for instance, through the travel disputes committee. We provide compensation of up to 50 000 euros per claim for all of the insured persons combined. We don’t charge for our own management fees.

What is not insured? Main exclusions:

  • Disputes between individual insured persons;
  • Travel for medical purposes and scheduled medical treatment outside Belgium and the potential resulting complications/additional treatment required in Belgium;
  • Time-shares. 

Additional information

  • If you become involved in a legal dispute, you need someone who can impartially defend your rights. This is where Defendo comes in, with its specialised team of legal professionals who exclusively provide legal assistance and guarantee the confidentiality of your case.
  • In the event of legal proceedings, you are free in your choice of lawyer.
  • Disputes with tour operators, rental companies, repair companies and other service providers are insured for contracts entered into in all European Union member states and in geographical Europe. Other than in these cases, we provide assistance only if the other party is required to appear before a Belgian court. 

Things you also need to know

  • The insured persons must reside in Belgium and have their principal residence there.
  • This is temporary cover, limited to the duration of the trip, which may have a maximum duration of 120 days.
  • You can take out the personal assistance cover, luggage cover, extra-protection travel accident cover and travel disputes cover up to a day before your departure date.
  • You must take out the cancellation cover at least two months before the departure date. If the booking is made less than two months before the departure date, you need to take out the cancellation cover within three business days of booking the trip. This cover cannot be taken out if the period between the booking date and the departure date is less than eight calendar days. This product is governed by the laws of Belgium.
  •  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 Holiday Insurance.

KBC Insurance NV – Professor Roger Van Overstraetenplein 2 – 3000 Leuven – Belgium – VAT No. BE 0403.552.563 – RLP Leuven – IBAN BE43 7300 0420 0601 – BIC KREDBEBB. Insurance company belonging to the KBC Group and licensed for all insurance classes under code 0014 (Royal Decree of 4 July 1979, Belgian Official Gazette of 14 July 1979) by the National Bank of Belgium, de Berlaimontlaan 14, 1000 Brussels, Belgium.

Please refer to the product fact sheet for a concise description of the cover and the most important exclusions, as well as other required information

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