KBC is a real family bank, part of which is about being there at all times to provide you with many different services, ranging from specialised advice right through to personal guidance. It’s something we’re happy to offer across the generations too. Children of KBC Private Banking clients enjoy added benefits. We look at the benefits that come into play for your individual situation. A few of the services we provide are set out below.

As KBC Private Banking clients, you and your children enjoy numerous benefits. The examples provided depend on individual situations:

Planning to buy, build or renovate your dream home? If so, you’ll naturally want a loan tailored to your needs. Your private banker and our loan expert will get together to make sure that’s exactly what you get. Together they will study your plans and suggest the most appropriate financial solution for you and your children.

Your children receive a Silver Pack, our free payment service. Included in the Silver Pack:

• A KBC Plus Account (a current account with debit card)
• A KBC Credit Card* with optional add-on ‘Shopping Package’ free of charge
• Online and mobile banking capabilities with KBC Mobile and KBC Touch

The ‘Shopping Package’ is an optional insurance package that comes with your KBC Credit Card and is free for you and your children.
The package includes three forms of insurance cover:

3.1. Purchase protection: protect your purchases against damage or theft

Ripped your skirt when getting up from your chair or had your laptop stolen from the boot of your car? With Purchase Protection cover, however, your purchased items are covered for damage or theft.

Covered
You can claim on the Purchase Protection cover for:

• Accidental damage

• Aggravated theft of your purchased items

• Up to 90 days after the date of purchase or delivery

• (insured items purchased online are always covered from the date of purchase)

  Additional conditions:

• The items are new and have been sold by a professional vendor

• The items are intended for personal use

• The value of the insured items is at least 50 euros (VAT included, excluding postage and delivery costs)

The repair costs or the new price of your insured item will be reimbursed up to 3 000 euros per claim event and per insurance year. If the repair costs exceed the new replacement value, only the new replacement value will be reimbursed.

Not covered
The main excluded items are:

• Money

• Foreign currencies

• Traveller’s cheques

• Marketable securities

• Mobile phones

• Second-hand or used goods

• Jewellery, watches

• Furs

• Works of art

• ...

A complete overview of cover provided and exclusions can be found in the general conditions

3.2. Extended warranty: get an additional two years’ warranty beyond the statutory period
Has your appliance or device been damaged after the statutory warranty has expired? With Extended Warranty cover, you get an additional two years’ warranty for newly purchased appliances or devices.

Covered
Extended Warranty cover applies to the following categories:

• White goods: electrical and electronic household appliances

• Brown goods: audio, TV and video appliances

• Grey goods: computer products and accessories

• DIY equipment: any electrical and electronic DIY equipment for use in the home

The repair costs or the new price of your insured item will be reimbursed up to 3 000 euros per claim event and per insurance year. If the repair costs exceed the new replacement value, only the new replacement value will be reimbursed, i.e. the new-for-old value on the day of the claim.

Not covered
Exclusions include:

• Any deliberate damage caused by the insured or members of their household

• Loss or unaccountable disappearance

• Damage during transport

• Normal wear and tear

• Superficial/cosmetic damage such as scratches or dents

• A defect in the insured item covered by the statutory warranty

• ...

A complete overview of cover provided and exclusions can be found in the general conditions

3.3. Online shopping protection: insure your online purchases
If your online purchase was damaged when delivered or the wrong product has been delivered and the supplier refuses to take responsibility, this cover ensures you get your money back.

Covered
You are covered when:

• Your purchase cost at least 100 euros

• You made your purchase from an online store in the European Union or the United States

• The maximum amount of compensation is 1 500 euros per claim event and per insurance year.

Not covered
What’s excluded?

• Non-delivery of the insured item due to a strike
  A hidden defect in the insured item
  

• Purchases made from fake or fraudulent websites

• ...

A complete overview of cover provided and exclusions can be found in the general conditions

KBC Credit Card

• KBC Credit Card Regulations

Read this information carefully before taking out this insurance

• Shopping package information document
• General conditions applying to the shopping package

KBC Plus Account

• KBC Debit Card Regulations
  
• Account Package Regulations
  
• General Banking Terms & Conditions
  
• Fee Information Document

KBC Home Loan

• Loan type: mortgage loan for immovable property. Subject to your loan application being approved by KBC Bank NV. Lender: KBC Bank NV, Havenlaan 2, 1080 Brussels, VAT BE 0462.920.226, RLP Brussels
• Read the legal information
• Rates and charges
• Prospectus

* Subject to your application being approved

The KBC Credit Card is a credit card issued by: KBC Bank NV, with registered office at Havenlaan 2, 1080 Brussels, Belgium. VAT BE 0462.920.226, RLP Brussels, FSMA 026 256 A.

The KBC Flex Budget facility is an open-ended credit facility linked to the KBC Credit Card and used as an additional means of drawing credit.

Lender and card issuer: KBC Bank NV. Subject to your card or credit application being approved by KBC Bank NV.

All insurance cover referred to is subject to Belgian law. This insurance cover is a class-16 product (financial loss insurance).

The Credit Card Insurance – Shopping Package is a group non-life insurance policy concluded by KBC Bank with KBC Insurance. You are only insured if you were holding an active credit card and were still signed up to the package without interruption from the time the purchase was made until the claim event occurred.

The insurance ends by operation of law when the contract between KBC Bank NV and the insurer is terminated.

Credit card holders can sign up to the Shopping Package at any time. Insurance cover starts on the first hour of the day following membership and lasts for a period of at least one year. After this period, you can withdraw from the insurance at any time by going through the digital process in KBC Mobile or by having its cancellation registered at a KBC branch.

The conditions of cover are available from any KBC branch or at www.kbc.be/en/creditcard. The applicable general conditions alone determine your right to compensation from the insurer.  The complete list of exclusions can be found in the general conditions.

Your intermediary is the first point of contact for any complaints you may have. If no agreement can be reached, please contact KBC Complaints Management, Brusselsesteenweg 100, 3000 Leuven, complaints@kbc.be, tel. 016 43 25 94 or ombudsman@ombudsfin.be, www.ombfin.be. For complaints about insurance, you can contact the Belgian insurance industry's ombudsman service: Ombudsman van de Verzekeringen, de Meeûssquare 35, 1000 Brussels, info@ombudsman-insurance.be,  www.ombudsman-insurance.be. This does not affect your legal rights.

Visit our website or contact one of our insurance experts to request a quote.