motorcycle insurance

Your motorcycle insurance

  • Take out just the compulsory cover or go for more security with add-on cover
  • Holders of car or home insurance with us get our reduced premium rate
  • File claims using our app, wherever you are
Calculate your motorcycle insurance

Compulsory third-party liability insurance

If you ride a motorcycle on public roads, by law, you must have third-party insurance.

This compulsory insurance policy covers the harm you cause to others with your motorcycle if you cause an accident, such as personal injury and damage to other vehicles or buildings.


  • Harm you cause to others with your motorcycle, including material damage (bodywork, buildings, etc.) and bodily damage (i.e. deaths or injuries)
  • If a vulnerable road user is injured in an accident involving your motorcycle, we'll pay compensation for those injuries even if you weren't at fault

Not covered

  • Damage to your own motorcycle
  • Bodily injury that you as the rider sustain in a traffic accident
  • Damage caused whilst taking part in competitions

The complete list of exclusions can be found in the general conditions.

Optional: extend the cover on your KBC Vehicle Insurance for Motorcycles

If you're after more security, extend your third-party liability insurance cover by adding a number of options. You are not under any legal requirement to do so, but it could end up saving you a lot of money.

1. Legal assistance: expert advice and legal assistance if you’re involved in a claim

There's always the possibility that you'll end up in a dispute following an accident. Our legal assistance insurance team (Defendo) will be on hand to advise and help if you're

  • Involved in an accident and in a dispute over who's at fault
  • A victim of loss, damage or injury and the party responsible can’t or won’t compensate you for it
  • Dissatisfied with repair work done to your motorcycle
  • In a dispute over revocation of your driving licence

We always try for an out-of-court settlement. If that doesn't work, you can choose the lawyer you want to defend you in court. We will pay up to 100,000 euros to cover the costs of the court proceedings. And if the person who has to pay your loss doesn’t have the means to do so, we'll pay compensation of up to 12,500 euros.


  • If someone else caused you harm, we'll help you claim damages
  • Legal assistance for contract disputes, such as when buying your motorcycle or getting it repaired
  • Legal help in disputes with government agencies in connection with matters such as registering your vehicle, revocation of your driving licence and periodic inspections
  • Criminal defence when facing prosecution for road traffic offences such as speeding or riding your motorcycle under the influence

Not covered

  • Fines and out-of-court settlements
  • Disputes arising from the paid transport of persons or goods
  • Disputes arising from taking part in competitions or wilful conduct constituting an offence
  • Disputes further to renting a motorcycle or renting yours out

The complete list of exclusions can be found in the general conditions.

2. Assistance insurance: breakdown rescue service and roadside assistance

With KBC-VAB Assistance, you can count on receiving roadside assistance for your motorcycle and a reliable breakdown rescue service in Belgium and abroad.


  • If your motorcycle cannot be ridden as a result of an accident or because it breaks down, we'll provide breakdown assistance or arrange to have the bike towed away
  • If you have an accident or break down abroad, we'll also pay the cost of replacement transport or the cost of an overnight stay
  • If your motorcycle is stolen, we'll pay the cost of replacement transport abroad and the cost of transporting you to your place of residence in Belgium

Not covered

  • Participation in sporting and training activities for payment or profit
  • Damage you cause intentionally
  • KBC does not pay for any repairs, just costs for towing and for shipping replacement parts, etc.

The complete list of exclusions can be found in the general conditions.

3. Accident insurance: cover specially for riders
motorcycle insurance

Did you know that riders aren’t covered for bodily injuries they sustain in accidents they cause? Compulsory third-party liability insurance only covers the damage you cause to others. This is where our driver accident insurance can help. If you sustain injuries in an accident you caused, we will cover your medical expenses.


  • Medical care following an accident
  • Costs for suitable transport if you need to be taken to hospital for medical treatment
  • Compensation for permanent injury
  • Financial support for your surviving dependants and reimbursement of funeral expenses should you die

We will pay compensation even if you caused the accident.

Not covered

  • Industrial accidents
  • Accidents caused intentionally or due to serious error
  • Participation in, and training for, speed races, time-speed distance (TSD) rallies and skills-based competitions
  • Accidents caused under the influence of alcohol (more than 0.15%) or in a similar condition due to the use of substances other than alcohol

The complete list of exclusions can be found in the general conditions.

4. Fire and theft insurance

This insurance also covers your vehicle against damage due to theft, attempted theft and fire. In the event of a total loss, we will reimburse the price you paid for the vehicle, up to 12 months after the purchase date.
However, you can't take out this cover online, only with an insurance expert in one of our branches.


  • Damage caused by fire, explosion or fire-extinguishing activities
  • Melting damage as a result of a short circuit
  • Theft and attempted theft
  • Damage to your motorcycle as a result of an accident or vandalism whilst it was stolen
  • We pay up to 750 euros towards the cost of towing and repatriating the motorcycle and rider(s)

Not covered

  • Damage to your own motorcycle caused by a traffic accident
  • Theft if your motorcycle is stolen while unlocked in a public place
  • Damage caused by wear and tear or lack of maintenance
  • Damage you cause intentionally
  • Injury you sustain as a rider

The complete list of exclusions can be found in the general conditions.

Good to know

  • KBC Vehicle Insurance for Motorcycles may include one or more of the above forms of cover. The type of insurance can be deduced from the name of the 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 principal 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%%. 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,, This does not affect your legal rights.

To request a quote for KBC Vehicle Insurance for Motorcycle, visit our website or contact an insurance expert in one of our branches.

KBC Vehicle Insurancefor Motorcycles is a product from KBC Insurance NV – Professor Roger Van Overstraetenplein 2 – 3000 Leuven – Belgium
VAT BE 403.552.563 – 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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