Comparing car insurance

Car insurance is not an everyday purchase. It requires making an informed and conscious decision. You obviously want to make sure you’re properly covered should anything happen on the road. That’s why it’s important to consider your options to find out what type of insurance best suits your needs and how to get the most out of it. 

You’re required by law to insure your car, but how you insure it is up to you – so why not optimise it to your advantage? Comparing different insurance options gives you a clear idea of the costs involved, what you can expect in return and what additional options are important to you. 

A clear comparison helps you: find the premium that’s right for your driving style, choose the most appropriate cover for your vehicle, and avoid unpleasant surprises in the event of loss, damage and/or injury. 

A simple comparison can make a significant difference

The cost of your car insurance depends on you as a person, your driving style and the type of car you drive. Your age, driving experience, claims history and annual mileage, for example, are all important factors in this regard. Even where you live and the type of vehicle you drive can make a difference.  

It’s also good to know that some insurers offer attractive discounts. Electric vehicle drivers, for example, often pay lower premiums. And if you’ve taken out home or family insurance with the same insurance company, you could get a nice multi-policy discount. If you only drive short distances, you might consider pay-per-kilometre insurance.  

Did you know that, at KBC, you can conveniently calculate and take out your car insurance online? 

All car insurance starts with third-party liability insurance. It is required by law and covers harm caused to others. For insurance that also covers you and your vehicle, you might consider semi-comprehensive or fully comprehensive insurance. 

Semi-comprehensive insurance covers events including fire, theft, glass breakage and storm damage. Our more extensive fully comprehensive insurance also covers damage to your own vehicle, even if you’re at fault. 

To choose what’s best for you, you need to consider the vehicle you drive, how much you want to spend and to what extent you want to avoid unpleasant financial surprises. 

Car insurance is more than just a contract – it is a service you can count on when you need it most. Do you know what to do if your car breaks down while on the road? And what if you’re involved in an accident or need legal assistance? You might want to consider these possibilities as well. 

Add-on cover includes: 

• Breakdown assistance: just what you need when you’re stranded at the side of the road with a flat battery or a puncture 
• Replacement vehicle: allows you to stay mobile, for example if your car is damaged or in the garage for repairs 
• Legal assistance: ensures you receive legal support in the event of an accident or dispute 

Proper insurance covers your current and future needs. As your life evolves, it adapts to your changing needs and you can count on it when you need it most. Basing your choice solely on the price can leave you disappointed. While low premiums may seem appealing, they often mean lower or no cover for certain types of claim or paying substantial out-of-pocket costs if you’re involved in an accident.  

Be sure to always carefully read the conditions. Limitations, exclusions or post-claim premium increases can lead to unpleasant surprises down the line. Making an informed and conscious decision is crucial – it helps you avoid a lot of hassle and ensures you know exactly what to expect. 

What if your situation changes? Perhaps you’re planning to replace your vehicle or move house in the near future, or your daily drives suddenly become shorter or longer. Then it’s good to know that you can count on flexible insurance that adapts to your needs.

For example, at KBC you can easily update your car in your existing policy. Transparency, clear conditions and the ability to adjust your insurance policy make all the difference.  

If you’re thinking about getting a new car, have you considered aligning your car insurance with your car loan? This makes it easier to keep track of things and ensures you have the financial resources available to fund other plans. Remember, borrowing money also costs money. 

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  

Covered  
  - Damage 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  
   
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 have 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.