KBC. Moving forward together.
Getting where you need to go... for some, it means cycling or walking, for others it’s climbing in and out of a car or jumping on and off public transport. And it also means catching your breath on the train you nearly missed, using your backseat diplomacy skills while driving and feeling the wind in your hair as you cycle along.
Whether you’re off to work or starting out on that trip you spent so long planning, it’s good to know that at KBC, we believe in moving forward together. Renting a shared bike, buying public transport tickets, ticketless parking, borrowing for a new bike or dream car, or getting the insurance you need to be safe on the road: it’s all at your fingertips thanks to KBC Mobile.
Car insurance: drive carefree
Just imagine you’re driving and the next thing you know you’re involved in a minor accident. It’s the last thing you want to think about during rush hour. Thankfully your car insurance saves the day and you can soon get on your way again.
Exploring new places and making memories while knowing that you’re protected is the real power of car insurance.
If you’ve spotted your dream car or your current vehicle no longer meets LEZ standards, it’s easy to work out your loan online (even if you’re not a KBC customer). Whether you’re looking for something new or second-hand, you can borrow for any type of vehicle, and you have up to 12 months to draw down your loan.
Remember, borrowing money also costs money.
If you’re looking for an easier way to park, we can help! Thanks to KBC Mobile, you can now park quickly and easily without having to go to the ticket machine.
Looking for our additional mobility services in KBC Mobile?
- Tap ‘Offer’
- Scroll down to ‘Mobility’
- Tap ‘Show all’
- Choose one or more of our additional services
- Or just ask Kate in KBC Mobile
Whether you’re off to the Ardennes or heading to the coast, KBC Mobile makes it easy to travel the entire country by train. Buy your tickets or a 10-journey pass in a couple of taps – even if you don't have an account with us.
If you occasionally travel by bus or tram, use our additional ‘De Lijn’ service and pay less than you would for a text message ticket. If you travel more often, go for an m-card 10 and save an extra 80 cents per journey!
If you’re in the mood for an amazing bike ride with your hair blowing in the wind, make it a carefree experience and protect your bike with KBC Bicycle Insurance. Your bike is covered for damage and theft (even on holiday) AND you get 24/7 bicycle roadside assistance. Ideal for exploring by bike without a care in the world!
If you’ve got your eye on your dream bike but you’d rather not splash out for it all in one go, take out a bicycle loan instead with KBC and pay for your brand new bike in instalments. What’s more, you can work out and apply for your loan online in KBC Mobile.
Remember, borrowing money also costs money.
Fancy exploring a city like the locals? You can now easily rent a bike from Velo Antwerpen, Blue-bike or Mobit to get around various towns and cities in Belgium. Do it with KBC Mobile and avoid having to pay for a subscription – all you then have to do is hop on your bike!
Looking for even more mobility options?
Frequently asked questions
Our loan calculator gives you a quick idea of what your monthly instalments will be: just enter the total price of the vehicle or the amount you want to borrow.
It will then show you:
- the amount you’ll have to repay each month
- the amount of time you’ll have to do so
- the interest you’ll pay
- the total amount you’ll have paid to the bank by the end of your loan term
If you like what you see, you can apply for your loan. You’ll first need to provide the bank with certain details such as your income, your expenses and how many other loans you have.
The bank will use these details to decide whether or not to grant your loan and will get back to you within 24 hours.
If you would like to change insurers, switching to KBC is easy. You can calculate and apply for your insurance online or contact one of our insurance agents. If you decide to take out insurance with us, we’ll arrange the cancellation of your current contract with your other insurer.
When you pay for parking and public transport tickets, you’ll earn Kate Coins with every purchase.
To earn and use Kate Coins, you must first activate ‘Personalised’ in your settings.
- Tap your photo/cogwheel icon at the top left of your KBC Mobile screen
- Scroll to ‘Security and privacy’
- Tap ‘Privacy’ and then ‘Commercial settings’
- Select ‘Personalised’ under ‘What offers would you like?’
Yes, you can. The additional Q-Park service now makes it even easier to park in towns and cities, including in underground car parks.
Say goodbye to getting up early to top up your MoBIB card or spending your evening in a queue at the ticket office. You can top up your MoBIB card in KBC Mobile in a flash, no queuing necessary!
If you need to pay for parking or buy a train ticket, Kate can take care of it for you right away.
We also make filling up easier for you: refuel with Q8 in KBC Mobile.
If you’d like to use a car but prefer not to own one, no problem! You can easily book a Cambio car in KBC Mobile.
It’s easy to find your tickets in KBC Mobile: they are displayed on the start screen as well as under ‘Your tickets’ in ‘Offer’.
Yes, even if you’re not a customer, you can buy tickets for De Lijn and SNCB.
If you have any other questions about our additional services, you should find the answers here.
* Things you should know about KBC Bicycle Insurance
KBC Bicycle Insurance is a material damage and assistance insurance policy for your bicycle. It includes all-risk cover for your bicycle, as well as bicycle roadside assistance provided in collaboration with VAB.
This product is governed by the laws of Belgium. The insurance cover under this policy is valid for a term of one year and is tacitly renewed unless it is cancelled no later than three months before the main renewal date.
Your intermediary is the 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, and by telephone on 0800 62 084 (free number) or 078 15 20 45 (pay number). If you cannot find a suitable solution, you can contact the Belgian insurance industry's ombudsman service: Ombudsman van de Verzekeringen: info@ombudsman-insurance.be. This does not affect your legal rights. To request a quote for KBC Bicycle Insurance, visit www.kbc.be, go to KBC Touch or KBC Mobile, or contact your Insurance Expert. A product of KBC Insurance NV – Professor Roger Van Overstraetenplein 2 – 3000 Leuven – Belgium – VAT BE 0403.552.563 – RLP Leuven. Company 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.
What is covered?
Any unexpected damage to, destruction or theft of your bicycle, worldwide and 24/7. Up to 12 months after the purchase date, we will fully compensate the sum insured for your bicycle. Accessories (such as a bicycle bags, child seats or bicycle trailers) with a value of not more than 300 euros are included under the cover free of charge. Damage to your bicycle helmet is covered up to a maximum of 125 euros if your bicycle has also been damaged.
With our bicycle roadside assistance, you are covered 24/7 in the event of accidents, technical defects, punctures, a faulty battery, vandalism, theft or attempted theft of your bicycle.
What is not covered?
This ‘all-risk’ insurance does not cover damage:
- caused by wear and tear or due to poor maintenance of the bicycle
- that does not affect the use of the bicycle, such as scratches
- covered by the warranty or caused by a manufacturing defect of the bicycle
- to the battery or charger of the electric bike if the insured bike itself has not been damaged
- caused whilst taking part in competitions
Theft is not covered if you neglected to take the necessary prevention measures.
We will not send an assistance provider if you are unable to continue using the bike due to:
- a defect that recurs regularly as the result of poor maintenance
- claim events you caused intentionally
- a service not requested from us
The complete list of exclusions can be found in the general conditions. Read the product information in full before taking out insurance.
* Things you should know about KBC Car Insurance
KBC Car Insurance for passenger cars is a third-party liability insurance policy required by law. More information on this product can be found in the insurance information document, which we recommend you read carefully before taking out the product.
KBC Car Insurance may include one or more of the following types of insurance cover: Compulsory Third-Party Liability Insurance, Legal Assistance Insurance, Comprehensive All-Risk Insurance, Semi-Comprehensive Insurance, KBC-VAB Roadside Assistance Insurance and Driver Accident Insurance.
- This product is governed by the laws of Belgium.
- Insurance cover under this policy is valid for a term of one year and tacitly renews, unless it is terminated no later than three months before the main renewal date.
- Your intermediary is the 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 + 32 16 43 25 94 or + 32 78 15 20 45 (paid number), or by fax on + 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, info@ombudsman-insurance.be. This does not affect your legal rights.
Contact your Insurance Expert or visit our website to request a quote for KBC Car Insurance for passenger cars.
KBC Car Insurance 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 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, 14 July 1979). Member of the KBC group.
* What is and isn’t covered under third-party liability insurance
Covered
Loss, damage or injury you cause with your vehicle to third parties, both material (e.g., exterior damage, damage to buildings, etc.) and physical (i.e. death or injuries). Injuries sustained by pedestrians, cyclists or passengers in traffic accidents in which your car is involved. Even if you are not liable, you can claim on this insurance.
Not covered
Some key exclusions are:
- damage to your own vehicle
- bodily injuries sustained by the driver in a traffic accident
- damage caused during participation in competitions
- damage you cause intentionally
The complete list of exclusions can be found in the general conditions.
* What is and isn’t covered under semi-comprehensive insurance
Covered
- Damage caused by martens gnawing on your car’s cables and conduits
- Breakage of car window glass or sunroof glass
- Break-ins, theft and vandalism during theft
- Hail damage or damage caused by another force of nature (storm, lightning, flood, etc.)
- Damage caused by fire, explosion or fire-extinguishing activities (including damage caused by melting due to a short circuit)
- Damage caused by collisions with wild or stray animals
- Crashing aircraft or falling aircraft parts
- Any additional vehicle features which you can no longer use after your car has been declared a total loss (e.g., a set of winter tyres or a roof box)
Not covered
- Damage to your own car following an accident (for which you can take out our Fully Comprehensive Insurance)
- Your physical injuries as the driver, which you sustained in an accident (for which you can take out our Driver Accident Insurance)
- Theft you have facilitated by leaving your car unattended and unlocked on a public road
- Damage to parts caused as a result of wear and tear or by a lack of maintenance
- Damage you cause intentionally
The complete list of exclusions can be found in the general conditions.
* What is and isn’t covered under fully comprehensive insurance
What’s covered?
- Harm caused by a collision, fire, glass breakage, theft, vandalism, forces of nature, filling up with the wrong type of fuel, collisions with stray animals or birds, and gnawing martens
- The cost of replacing locks or reprogramming the locking system if your car keys are stolen
- Medical expenses if you’re injured during a car-jacking or home invasion
- Vehicle registration tax is covered free of charge if your vehicle is declared a total loss
- Damage to transported items
- We provide compensation of up to 1 500 euros for items you transport in your car which are intended for personal use if your car is also damaged, including bicycles on your bicycle rack or luggage in your roof box
- We also cover any additional vehicle features which you can no longer use after your car has been declared a total loss, such as your winter tyres or roof box
What’s not covered?
- 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 while driving your car in violation of the conditions laid down in Belgian laws and regulations
- Damage you cause intentionally
- Theft you facilitated by leaving your vehicle unattended on a public road or unlocked in another location accessible to the public
- Your physical injuries as the driver of your vehicle (for which you can take out our Driver Accident Insurance)
The complete list of exclusions can be found in the general conditions. Read the product information in full before taking out insurance.
Loan type: Instalment loan. Lender: KBC Bank NV, Havenlaan 2, 1080 Brussels, VAT BE 0462.920.226, RLP Brussels, FSMA 026256 A. Subject to your loan application being approved by KBC Bank NV and mutual agreement.