Protect your payments
If you’re scammed online, we’ll reimburse the amount you paid to the scammers.
Safeguard your identity
If someone steals your personal details online, we’ll compensate resultant financial loss.
Shield your reputation
If you’re slandered or defamed online, a specialist will help you defend your reputation and prevent things getting worse.
Why go for this insurance?
Internet use is on the rise. That unfortunately includes criminals,
with some 10% of Internet users in Belgium reporting financial loss
due to cybercrime (based on 2015 Eurostat figures). This insurance
helps compensate financial losses from online fraud or identity
You could also fall fowl of cyberbullying or damage to your reputation online. This insurance helps reduce the consequences of this happening.
Some examples of online fraud:
- You receive an urgent e-mail from 'the police'. It contains a reminder to pay a fine ... but there's no mention of the location or your number plate
- You receive an e-mail with congratulations. The reason? You've allegedly won the lottery ... but to receive your prize you first have to pay a small fee to a 'notary public'
- You've seen an impressive 4K television at
a substantially high discount ... but the online shop turns out to
be false. Once you've ordered, your money is gone and the television
is never delivered
• Preferably place orders at reliable online shops in Belgium and our neighbouring countries. Because of the accessibility you'll have more chance to solve any problems by e-mail, telephone or, if possible, on the spot
• Do your homework by first checking reviews from other customers
• Pay only using a secure payment service and Internet connection. Avoid using free or public Wi-Fi for purchases
• Update your operating system and security software to the most recent version
• Be wary of ads with implausible promotions or miracle products. If it sounds too good to be true, it probably is!
1. Internet fraud
What can you expect?
On the Internet, fraudsters may present themselves as public
authorities, merchants or professional service providers. Using fake
websites, false entitlements and permits, or other forms of
subterfuge, they use so-called e-scams in an attempt to mislead
you. If the fraudsters succeed in their intent, KBC repays the
amounts you paid using your KBC Current Account due to
You may also fall victim to e-fraud, whereby a third party succeeds in misusing your KBC Current Account on the Internet to make unwanted payments without your permission. In that case, KBC also repays those amounts.
- Payments on auction websites and online marketplaces where private individuals can sell products
- Fraud committed before you have taken out insurance, even if your account is debited afterwards
2. Online identity theft
What can you expect?
A third party could manage to steal your identification or
authentication details online. Personal data such as your name,
address, national registration number, e-mail address, passwords can
then be misused on the Internet. If you suffer financial loss due to
such an identity theft, KBC provides compensation.
- Protection provided by credit card companies in the case of misuse of credit cards
- Identity theft committed before you have the insurance, even if a claim arises afterwards
3. Online reputation damage
What can you expect?
If someone maliciously accuses you online of committing an offence and thereby harms your reputation, we refer to slander and defamation. In addition, sensitive information about you could be unlawfully published on the Internet.
If you suffer damage to your reputation online as a result of this,
we put you in contact with a specialist service provider who
will advise you remotely and, if necessary, take action in order to
prevent further loss.
- Reputation damage suffered before having the insurance
This insurance costs 3 euros a month per account or 6 euros a month for all family accounts (see the conditions of cover for what we mean by family). What you pay for the insurance is debited monthly from the KBC Current Account you specified when taking out this insurance.
For one account you pay 36 euros a year (32.95 euros + 3.05 euros in tax). This amount includes acquisition costs (estimated at 11.34 euros) and administration charges (estimated at 2.39 euros).
For all family accounts you pay 72 euros a year (65.90 euros + 6.10 euros in tax). This amount includes acquisition costs (estimated at 22.67 euros) and administration charges (estimated at 4.79 euros).
It's important to remember that, if you intend to compare a number of insurance policies, you cannot just compare their estimated costs and charges with each other. You have to take other factors into consideration too, such as the scope of the cover, the amount of any deductibles and the exclusion clauses.
The above amounts give a better idea of the portion of the premium
used for covering the risk described in the insurance policy. It is
indeed so that, after the taxes, acquisition costs and administration
charges have been deducted, the rest of the premium comprises the
portion of the premium applied to performing the contractually
stipulated services and costs other than those referred to above (i.e.
including the combined and shared costs involved in claims and their
These estimates are based on figures from the insurance company's most recent accounting period, as approved by its general meeting of shareholders.
Things you also need to know
- If you report damage in an e-mail, be sure not to include sensitive information in it. Wait instead until KBC contacts you.
- Belgian law applies to this product.
- Account holders can take out or cancel KBC Internet Protection Insurance at any time.
- If you have a complaint about the conditions of cover, please contact your KBC Bank branch or KBC Complaints Management, Brusselsesteenweg 100, 3000 Leuven, firstname.lastname@example.org. 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, www.ombudsman.as. This does not affect your legal rights. Submit any complaints you may have to email@example.com, tel. 0800 62 084 and/or by e-mail to firstname.lastname@example.org.
- KBC Internet Protection Insurance is a product of KBC Insurance NV –
Professor Roger Van Overstraetenplein 2 – 3000 Leuven –
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
- KBC Bank holds this insurance with KBC Insurance. To be covered by it, you need to have signed up to and paid for it.
- KBC Internet Protection Insurance is a form of financial loss insurance.