You can do more with Kate Coins
Want to book a fun experience, shop online or renovate your home? Whatever you want to do, one thing is certain: you can do more with Kate Coins.
Scroll down to discover what benefits await you or check your Kate Coins in KBC Mobile.
Step 1: Earn
You earn Kate Coins by purchasing products at KBC or by shopping at our partners. Pay using your KBC products and we’ll add your Kate Coins.
Step 2: Use
You decide what to do with the Kate Coins you earn.
- Spend your Kate Coins at KBC or our partners and you’ll get fun experiences and great discounts (in this case, your Kate Coins will always be worth more than one euro each)
- Whether you get a cashback on your account, a ticket or a voucher depends on the Kate Coin benefit you choose
- If you haven’t spotted the perfect benefit yet, you can save your Kate Coins for later
- If you didn’t use all your Kate Coins by the end of the year, you can have them converted to euros and deposited in your account (at a standard rate of one euro per Kate Coin)
Use your Kate Coins and choose your benefit
Earn your Kate Coins
It may be the case that some of the partners listed in this overview aren’t shown in your KBC Mobile app. This is because the offer is tailored to your personal situation and changes regularly, so be sure to keep an eye on your app to see what’s new!
Don’t have any Kate Coins in your KBC Mobile app yet?
The Kate Coin benefits programme is only available to KBC customers who have opted for ‘personalised’ commercial offers in KBC Mobile and hold a current account at KBC.
Where can you find Kate and Kate Coins?
- Just tell Kate: ‘Show my Kate Coins’.
- Kate will show you an overview of all your options. You can learn more about what Kate Coins are, see your balance, and find out how to receive and use your Kate Coins.
- Or tap the tile on the far left in your KBC Mobile.
Good to know about KBC Home Assistance
Belgian law applies to this product.
Your intermediary is your first point of contact for complaints. If agreement cannot be reached, please contact KBC Complaints Management: Brusselsesteenweg 100, 3000 Leuven – E-mail: complaints@kbc.be – Tel.: tel. 016 43 25 94 (free of charge) or + 32 78 15 20 45 (charges apply) – Fax: + 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 – E-mail: info@ombudsman.as – Website: www.ombudsman.as.
This does not affect your right to take legal action.
Contact your insurance expert to request a quotation for KBC Home Assistance or use KBC Mobile.
KBC Home Assistance is a product of KBC Insurance NV – Professor Roger Van Overstraetenplein 2 – 3000 Leuven – Belgium
VAT No. 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
What is insured?
When do we provide assistance?
- You have an electricity outage
- Your heating or air conditioning stops working and the interior temperature becomes unpleasant
- You have no running water in your home or no hot water in your bathroom
- Your toilet's blocked (other than due to the septic tank being full)
- Wasps or bees have nested on or in your home
- You can't leave or enter your home because the entrance is barred or blocked, because your keys have been stolen or lost or because you've locked yourself out
- Your home is no longer wind and watertight, for instance because the roof or a window is damaged
When do we not provide assistance?
- Due to circumstances for which you are responsible, the person providing assistance cannot get into your home at the appointed time
- The problem for which you request assistance is your own responsibility because you failed to repair a known defect or did not have full repairs done after a previous intervention
- The problem is due to deliberate acts or omissions by an occupant or poor maintenance or material decay of your home
- The network supplier interrupts or cuts off the gas, electricity or water supply
- There is damage to domestic appliances like a fridge, oven, extractor hood, cooker or portable radiator
- Poor or non-working of an integrated switch, electronic circuit, microchip, microprocessor, hardware, software, computer, alarm or domestic electronic equipment, telecommunications equipment or similar electronic systems
Good to know about KBC 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 cancel it no later than three months before the main renewal date.
For policies taken out or tacitly renewed on or after 1 October 2024, you have up to two months before the main renewal date to cancel them. As from the second insurance year, you can cancel your insurance at any time, with effect after two months have elapsed from the day after the registered letter was submitted for delivery, the writ was served or the date of the acknowledgement of receipt.- 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 Belgian insurance industry's ombudsman service: Ombudsman van de Verzekeringen, de Meeûssquare 35, 1000 Brussels, info@ombudsman-insurance.be, www.ombudsman-insurance.be.
- This does not affect your legal rights.
To request a premium calculation for KBC Family Insurance, visit www.kbc.be, use KBC Touch or KBC Mobile, or contact your Insurance Expert.
KBC Family Insurance is a product provided by 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 of 14 July 1979).
Member of the KBC group
Read this information carefully before taking out this insurance
What is and isn’t covered?
Covered
- Loss, damage or injury caused to other individuals
We will compensate the person who suffered the loss, damage or injury. This applies, among others, to
- any loss, damage or injury caused by your animals to other individuals
- damage to entrusted goods
- 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 which you cause to yourself or family members
- Loss, damage or injury resulting from gross negligence 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 event and there's no deductible to pay.
- We provide cover of up to 10 million euros for material damage (with a compensation limit of 15.000 euros for damage to entrusted goods) and you pay a deductible of 250 euros per claim event.
What you need to 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 two months before the main renewal date.
As a consumer, you can cancel your insurance contract at any time starting from the second insurance year, with effect after two months have elapsed from the day after the registered letter was submitted for delivery, the writ was served or the date of the acknowledgement of receipt.
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 + 32 78 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?
The insurance covers 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 and more information can be found in the general conditions and the product fact sheet.
Be sure to read this information document carefully before taking out the insurance.
