The best time to take out family insurance

Although it isn’t compulsory, 80% of people living in Belgium have family insurance. It covers you for costs if you cause harm to others. And those costs can mount up, especially when someone is left with serious injuries or significant property damage. But when should you take out this type of insurance?

You are going to live alone for the first time

When you leave the parental home, you don't remain covered by your parents' family insurance policy and, therefore, you can be held personally liable for loss, injury or damage you cause to others. So, taking out family insurance of your own is highly advisable in this situation. Make sure you’re covered should ...

  • your bicycle fall against a shop window and crack it
  • a flower pot get blown off your balcony and land on your neighbour's car
  • you knock over a drink and soak the laptop of someone working next to you

These are just a few examples when family insurance proves its worth. Learn more by checking out all the benefits of family insurance.

If you’re moving in with friends, you can provide cover for up to five co-residents under the co-housing option.

You have a child

The chances of an accident happening are higher when you have children living with you. Small children in particular are less aware of danger. For instance, you could have a son or daughter who ...

  • runs into the street causing a car to swerve and crash into a tree
  • pushes a shopping trolley into a parked car
  • breaks a neighbour's window with a ball

Give yourself some extra peace of mind with family insurance cover and make sure a moment of inattention or boisterousness doesn’t land you with a financial headache later. You are the one who takes out the insurance, but all family members living with you are covered too.

You have a dog

Dogs bring joy to any home, but their behaviour is not always predictable, something that applies equally well to small pups and older animals. By extending your family insurance to cover your dog, you’ll save yourself a load of financial worries should ...

  • your dog bite someone who’s not a family member
  • another dog bite a member of your family
  • your dog get injured in a traffic accident

Other benefits of having family insurance

  • You can get assistance or file a claim 24/7 in KBC Mobile
  • You can calculate the cost of your family insurance in just a few steps in KBC Mobile
  • When on holiday, your family insurance will cover you anywhere in the world

Additional KBC Family Insurance information

What is and isn’t covered?


  • Loss, damage or injury caused to other individuals
    We will compensate the person who suffered the loss, damage or injury. The policy also covers any loss, damage or injury caused by your animals to other individuals.
  • Loss, damage or injury caused by the actions of another person
    If you take out personal legal assistance insurance, we’ll help you get compensation from the liable party. If they are unable to pay, we’ll pay up to 12,500 euros in compensation. This figure is doubled in the case of bodily injuries.

Not covered

  • Loss, damage or injury that you cause to yourself or family members
  • Loss, damage or injury caused by misconduct on the part of a member of your family aged 18 or older
  • Loss, damage or injury caused intentionally by a member of your family aged 16 or older
  • Loss, damage or injury caused by your riding horses or by animals that you, as a private individual residing in Belgium, are not allowed to keep
  • Fines and out-of-court settlements
  • Disputes in which you are involved as the owner or driver of a motor vehicle that is subject to compulsory motor insurance

Compensation and deductible

  • For bodily injuries, we provide cover of up to 30 million euros per claim and there's no deductible to pay
  • We provide cover of up to 10 million euros for material damage and you pay a deductible of 250 euros per claim

Good to know

  • This product is governed by the laws of Belgium.
  • Insurance cover under this policy is valid for a term of one year and is tacitly renewed unless you terminate it 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, please contact KBC Complaints Management: Brusselsesteenweg 100, 3000 Leuven,, tel. 016 43 25 94. If you cannot find a suitable solution, you can contact the Insurance Ombudsman Service: de Meeûssquare 35, 1000 Brussels,,
    This does not affect your legal rights.

Please go to, use KBC Touch or KBC Mobile, or contact your Insurance Expert to get a premium calculation for your KBC Family Insurance.

KBC Family 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 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

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