Car insurance - fully comprehensive cover

KBC Vehicle Insurance

Car insurance - fully comprehensive cover

KBC Vehicle Insurance

Optional 10% extra compensation

In the event of a total loss or theft of your vehicle, we increase your compensation by 10% with no further formalities required.

Compensation to cover the full purchase price

In the event of a total loss or theft of your vehicle, we will pay out the full purchase price up to 30 months after the purchase date.

Comprehensive assistance

Assistance in case of a problem or emergency situation on your travels. Includes VAB (Flemish Automobile Association) membership and a replacement vehicle in Belgium after an accident, theft or breakdown.

Buying a new or second-hand car is a serious investment, so you of course want the best protection against theft, total loss or other damage. Comprehensive insurance covers the damage to your own car, even if you are liable.

Watch why comprehensive car insurance could be a good idea

What is insured?

We cover all types of loss or damage, except those on the limited list of exclusions. This list is included in the General Terms and Conditions.
What is insured?

  • Damage caused by a collision, fire, glass breakage, theft, vandalism, forces of nature, collisions with stray animals or birds and gnawing of martens
  • The cost of replacing the locks if your keys have been stolen
  • Medical expenses if you were injured in a carjacking or car theft
  • The insurance covers the vehicle registration tax  free of charge up to 1,500 euros in case of a total loss

Optional 10% extra compensation

  • If your car is stolen or written off
  • A new car often costs more
  • Other items may have been lost or damaged as well

Compensation to cover the full purchase price

  • In case of a total loss or theft if your car is not found within 15 days of reporting the incident
  • This also applies to second-hand cars that were less than 36 months old at the time of purchase

Comprehensive assistance

  • Vehicle assistance, including roadside assistance (VAB membership)
  • A replacement car in Belgium for 7 days after an accident or breakdown and for 15 days in case of theft
  • Assistance for you and your family (optional: you can also take out this comprehensive insurance without personal assistance)

Choose a deductible that suits your budget

  • 250 euros, 500 euros, 750 euros, 1,000 euros or 1,250 euros
  • You can also choose to pay no deductible at all in the event of theft
  • No deductible will apply in the event of fire (including melt damage caused by a short circuit), explosions, fire-extinguishing operations, damage caused by martens, forces of nature, falling aircraft or aircraft components and collisions with stray animals or birds
  • In case of glass breakage, a 250-euro deductible applies unless you choose a repairer from our list

What is not insured?

  • Damage you caused under the influence of alcohol (more than 0.15%) or in a similar condition due to the use of substances other than alcohol
  • Damage you caused in violation of the conditions laid down by Belgian laws and regulations
  • Damage you have caused intentionally
  • Damage resulting from wear and tear or an obvious lack of car maintenance
  • Theft that was facilitated by leaving the vehicle unattended on a public road or unlocked in another place that is accessible to the public
  • Your physical injuries as driver of your vehicle
    For this take out Driver accident insurance

Good to know

  • All Risks Comprehensive Insurance in the KBC Vehicle Insurance for passenger cars is fully comprehensive
  • This product is governed by the laws of Belgium
  • The insurance provided by this policy is valid for one year It 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, Brusselsesteenweg 100, 3000 Leuven, complaints@kbc.be,  tel. 0800 620 84 (free number) or 078 15 20 45 (pay number), fax 016 86 30 38. If this does not result in a satisfactory solution, you can contact the Insurance Ombudsman, which acts for the entire industry, at De Meeûssquare 35, 1000 Brussels, info@ombudsman.as or visit www.ombudsman.as
    However, you always retain the right to initiate legal proceedings.

To request a quote for aKBC Vehicle Insurance for passenger cars, visit our website  or contact your KBC Insurance intermediary.

KBC Vehicle Insurance is a product from 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
The company is licensed by the National Bank of Belgium, de Berlaimontlaan 14, 1000 Brussels, Belgium for all classes of insurance under code 0014 (Royal Decree of 4 July 1979, Belgian Official Gazette of 14 July 1979).
Member of the KBC Group

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

  • Product fact sheet
  • General conditions
  • KBC Insurance segmentation policy

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