Add-on cover for your family insurance

Family insurance provides cover should you ever cause damage, loss or injury to others in private life situations. However, you can also extend that cover to include side jobs, teaching activities, legal assistance for contractual disputes and pet insurance for your dog. Check out all our add-on cover and customise your insurance to suit your needs.

Insure your extra-earnings activity

If you or a family member earn money from a side job now and again, you can insure yourself against bodily injury or material damage you inadvertently cause during your activities.

Covered

Second job:
 
  • Household and garden work
  • Breeding animals or cultivating plants, vegetables or fruit
  • Music performances
  • Photography
  • Beauty and personal care
  • Interior design advice

Not covered

  • Liability for liberal and intellectual professions for which compulsory insurance is required (e.g., travel agencies) or that are subject to supervision by a professional body (e.g., accountants)
  • Trade in or repair of motor vehicles and bicycles
  • Hiring out of goods
  • Construction, renovation, finishing and letting of real property

More examples of insured activities and all the exclusions can be found in the general conditions.

Compensation and deductibles

  • The maximum cover per claim event is 1.5 million euros for bodily injury and material loss or damage combined
  • The deductible for material loss or damage is 250 euros (no deductible is payable in the event of bodily injury)
  • A compensation limit of 250 000 euros applies for loss or damage resulting from environmental pollution

If you’re interested in insurance for your extra-earnings activity, be sure to visit a KBC branch near you. Our colleagues will be more than happy to help you.

Insure yourself as a teacher

familiale verzekering lesgever

This insurance provides financial protection for loss, damage or injury caused while teaching and covers you and any family members living with you. You only need this cover if you’re not insured via an educational establishment when teaching or tutoring.

Covered

  • Loss, damage or injury you cause to your students or other individuals
  • Loss, damage or injury caused by your students while under your responsibility

Not covered

  • Dangerous sports such as mountaineering, speleology, full-contact martial arts, deep-sea diving, motorised sports and parachuting
  • Training of professional athletes
  • Loss, damage or injury caused by riding horses that you own

A complete list of insured activities and exclusions can be found in the general conditions.

Compensation and deductibles

  • The maximum cover per claim event is 1.5 million euros for bodily injury and material loss or damage combined
  • The compensation limit for loss or damage resulting from environmental pollution is 250 000 euros
  • Purely non-material loss or damage is covered up to 125 000 euros (the deductible for material and purely non-material loss or damage is 250 euros)

Pet insurance for your 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 can save yourself a load of financial worries.

Covered

  • Your dog bites a family member or someone else
  • Another dog bites a member of your family
  • Your dog gets injured in a traffic accident

Not covered

  • Damage or injury arising from keeping or breeding dogs for commercial purposes
  • Damage or injury caused by training dogs for bite work
  • Non-pecuniary loss if your own dog bites you

More information on what is and isn't covered under pet insurance for your dog can be found in the list of cover provided and exclusions in the general conditions.

Compensation and deductibles

  • The sum insured is 1.5 million euros per claim event
  • If your dog is injured in a road traffic accident, we will pay the cost of having your dog treated by a vet (up to 2 000 euros to cover the caregiving costs and fees combined)

If you’re interested in insurance for your dog, check out the benefits.

Legal assistance

You regularly enter into personal contracts, such as when you have repair work done by a plumber or electrician, when you rent a holiday home or when you buy something in-store or online. If a disagreement arises over such a contract, the dispute could end up going to court and result in costs. These options will ensure you’re prepared for such an eventuality.

Legal assistance for contractual disputes

  • Reimbursement of costs, including your legal expenses and lawyer's fees
  • Legal support for disputes relating to purchases, rent and other situations
  • Can only be taken out with personal legal assistance insurance, which is included under your family insurance
  • Cannot be taken out with legal assistance cover for contractual and other disputes
  • If you’re interested, run an online simulation

Legal assistance for contractual and other disputes (tax-deductible)

  • Reimbursement of costs, including your legal expenses and lawyer's fees
  • Legal support for administrative, tax or employment-related disputes, construction disputes and disputes relating to a first divorce
  • Can only be taken out with personal legal assistance insurance, which is included under your family insurance
  • Cannot be taken out with legal assistance cover for contractual disputes
  • Mediation in family matters
  • Your premium is tax-deductible
  • If you’re interested, make an appointment at a KBC branch near you

Insure yourself as a childminder

familiale verzekering gezinsopvang

This insurance provides cover if you mind children professionally in your own home. You don’t need it, however, if you’re already insured via a childminder organisation.

Covered

  • Damage or injury to others arising from your childminding activities
  • Bodily injury to children in your care (required by law in Flanders) if caused by other children you are minding

Not covered

  • Damage to items belonging to the children in your care (e.g., toys they bring with them) or your family (e.g., furniture or household items)
  • Material damage caused by flames, fire, explosion and smoke due to flames or fire in a building you own, rent or reside in

This cover is subject to the same exclusions as ‘Personal liability insurance’.

Compensation and deductibles

  • For your liability as a childminder, we provide compensation of up to 30 million euros per claim event for bodily injuries and up to 10 million euros for material loss or damage.
  • For material loss or damage only, there is a deductible of 250 euros per claim event.

To find out more about insurance for childminders, simply get in touch with us or take out your insurance at a KBC branch near you.

More information on your family insurance

  • 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, complaints@kbc.be, tel. 016 43 25 94. If you cannot find a suitable solution, you can contact the Insurance Ombudsman Service: de Meeûssquare 35, 1000 Brussels, info@ombudsman-insurance.be, www.ombudsman-insurance.be.
    This does not affect your legal rights.

Please go to www.kbc.be, 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

Read this information carefully before taking out this insurance