Family insurance

KBC Family Insurance

Family insurance

KBC Family Insurance

90% of people living in Belgium have taken out family insurance

A necessity for everyone.

Take out family insurance now

Convinced by your simulation? Don't hesitate – arrange your family insurance now, even if you don't yet have an account with us.

Use our app to submit claims

There’s always a KBC insurance agent nearby to guide you through your claim.

What is family insurance?

If someone sustains loss, damage or injury as a result of an error or negligence on your part – or on the part of your children – he or she could claim compensation. In that case, our family insurance will protect you against the financial consequences.

And should you ever suffer loss, damage or injury because of someone else's mistake or negligence, our personal legal assistance insurance will provide you with the legal support and assistance to seek compensation (for instance, if an inattentive cyclist crashes into you).

Why take out family insurance?

Family insurance

Our records show when customers claim on their family insurance most often.
The four most common incidents prompting these claims are

  1. Water leaks in bathrooms causing damage in a neighbouring property
  2. Accidental damage to other people's mobile phones such as cracked screens
  3. Damage caused by bikes between two parked cars accidentally leaving a scratch on the door of one of the cars
  4. Felled trees falling the wrong way causing damage to a neighbour's property

Is family insurance obligatory?

Family insurance isn't obligatory, yet nearly every Belgian household has it. You really can't do without it, even if you're single or you don't have any children. Minor accidents can have major consequences. Say the worst happened and someone ended up permanently disabled. If you are deemed responsible for the accident, you could be paying for the rest of your life. KBC Family Insurance covers you in such situations for a relatively low premium.

Who should take out family insurance?

Whether you're living on your own or together with friends, are single or have young lively children, family insurance is absolutely essential. And if you've gone through a divorce, it's worthwhile reviewing your existing family insurance policy too.

Our family insurance also includes separate cover for people who live under the same roof but are not a family unit.

  • One person takes out the insurance and all the others living there are automatically covered by the same policy
  • Even if you accidentally damage something that belongs to another resident, you are insured (damage caused to contents used by everyone is not covered)
  • If:
    • One of the residents moves out, he or she is no longer covered
    • The policyholder moves out, one of the other residents has to take over the insurance
  • New residents are automatically covered (up to five adults)

What is and isn't insured?

What is covered?

Loss, damage or injury caused to other individuals

We will compensate the person who suffered the loss, damage or injury. This includes cover for loss, damage or injury caused by your animals to other individuals.

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.

What is not covered?

  • Loss, damage or injury which you cause to yourself or family members
  • Loss, damage or injury caused due to misconduct on the part of a member of your family aged 18 or older (e.g., acts of violence, theft, vandalism)
  • 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 and there's no deductible to pay
  • We provide cover of up to 10 million euros for material damage and you pay a deductible of 250 euros per claim

Extending your family insurance cover to include legal assistance for contractual disputes

What if …?

  • Your new TV doesn't work and the shop refuses to replace it?
  • Your landlord refuses to fix a broken front door?
  • Your new boiler or kitchen you've had installed is badly fitted?
  • The luxury cruise you booked turns out to be on an old rust-bucket?

In such cases, our legal assistance insurance provides legal support for contractual disputes as long as the amount involved is at least 200 euros.

New! Tax-deductible as from 2019

If you take out additional legal assistance cover for contractual and other disputes, you will also receive legal support in the event of administrative or tax disputes, construction disputes and disputes relating to a first divorce. That's particularly useful as lawyers and the courts can end up costing you a lot of money.

If you take out personal legal assistance insurance and the optional cover for contractual and other disputes, the premium you pay is tax-deductible.

→ Read more about optional legal assistance cover (tax-deductible)

Family insurance for your dog

Dog insurance

As standard, your family insurance policy covers your liability for any loss, damage or injury that your dog causes to another person.
But what if

  • Your dog bites someone and it's not your fault?
  • Your own or another dog bites a member of your family?
  • Your dog is injured in a traffic accident?
  • Your dog needs to be put in kennels because you suddenly have to go into hospital and there's no one to look after it?

In that case, our dog insurance will protect you against the financial consequences. This is an accident insurance policy.

What is covered?

  • If your dog bites another person, we will pay compensation of up to 1.5 million euros to cover the loss, damage or injury, even if you're not responsible for the incident
  • If another dog bites a member of your family, we will likewise pay compensation of up to 1.5 million euros for the bodily injuries caused
  • If your dog is the victim of a traffic accident, we will pay up to 2,000 euros in veterinary fees
  • If a family member is admitted to hospital and there is no one to take care of your dog, we will pay up to 500 euros per claim to cover the cost of kennels 

We reimburse the costs and expenses in their entirety, regardless of how many dogs you have.

What is not covered?

  • Veterinary fees if your dog is unwell
  • Accidents not involving traffic in which your dog is the victim (like a fight with another dog)
  • Dogs you keep or breed professionally

Additional cover: extra-earnings activity, teaching, childminding

Family insurance – gardener

Do you or a family member have a hobby that generates some extra income, or do you teach on a regular basis? Perhaps you have someone you pay to help with tasks in or at your home, such as a cleaner, babysitter or gardener? If so, it is advisable – and sometimes even compulsory – to take out additional insurance.

→ Check out the options under our family insurance

Good to know

  • 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. 0800 62 084 (free of charge), tel. + 32 78 15 20 45 (charges apply), fax + 32 16 86 30 38. If you cannot find a suitable solution, you can contact the Insurance Ombudsman Service: de Meeûssquare 35, 1000 Brussels, info@ombudsman.as, www.ombudsman.as.
    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

For a concise description of the cover, the most important exclusions and other information, please refer to the information document and the general conditions

  • Insurance Information Document
  • General conditions
  • Segmentation policy

How much does family insurance cost?

See what it’ll cost without obligation

Work out how much your family insurance will cost you
Convinced? Take out your insurance instantly online

Insurance claims

File them with us at any time and how it suits you best.

→ I want to file a claim

Was this page useful to you? Yes No

We use cookies and similar technologies to make our website work better for you and ensure your online experience with us is more enjoyable and rewarding. We may also adapt our website to your needs and preferences. By continuing to use this website, you consent to our use of cookies.Learn more or reject cookies.