Family insurance options

KBC Family Insurance

Family insurance options

KBC Family Insurance

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 you 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 extra options below and extend your family insurance to cover your specific needs.
Learn more about our basic family insurance.

Family insurance options

1. Insurance for your extra-earnings activity

Family insurance and extra-earnings activity

What's covered?

If you or a family member has a hobby that generates some extra income, you can cover your liability.
Some examples

  • You perform household tasks or do gardening work
  • You breed animals or cultivate plants, vegetables or fruit
  • You perform music with a band
  • You run a bed & breakfast

Compensation and deductible

The maximum cover per claim event is 1.5 million euros for bodily injury and material loss or damage combined. A specific compensation limit applies for loss or damage resulting from environmental pollution. For material damage, there is a deductible of 250 euros.

What are the main exclusions?

  • Liability for liberal and intellectual professions for which compulsory insurance is required (e.g., travel agencies) or that are subject to supervision by a professional body (e.g., accountants)
  • Trade in or repair of motor vehicles and bicycles
  • Hiring out of goods
  • Construction, renovation, finishing and letting of real property

2. Teacher's insurance

Family insurance and teachers

This additional cover is for anyone who does paid work as a teacher.
If you are already insured through the educational institution you work for, you will only need this insurance if you are giving extra lessons that are not covered.

What's covered?

  • Loss, damage or injury you cause to your students or another individual
  • Loss, damage or injury you cause to your students if you are held liable

Compensation and deductible

The maximum cover per claim event is 1.5 million euros for bodily injury and material loss or damage combined. A specific compensation limit applies for loss or damage resulting from environmental pollution. Pure non-material loss or damage is covered up to 125,000 euros per claim event. A deductible of 250 euros applies per claim event for any material and pure non-material loss or damage.

What are the main exclusions?

  • Dangerous sports such as mountaineering, speleology, full-contact martial arts, deep-sea diving, motorised sports and parachuting
  • Training of professional athletes
  • Loss, damage or injury caused by saddle horses that you own

3. Childminder insurance

Family insurance and child care

This insurance provides cover if you mind children professionally at your home.

What's covered?

  • Your liability as a childminder
  • Bodily injuries sustained by the children in your care (a legal requirement in Flanders)

Compensation and deductible

For your liability as a childminder, we compensate up to 30 million euros for bodily injuries and up to 10 million euros for material damage. For material damage only, there is a deductible of 250 euros per claim event.

What are the main exclusions?

  • We do not compensate damage to items belonging to the children in your care (e.g., toys they bring with them) or your family (e.g., furniture or household items)
  • In the insurance against physical injury sustained by the children you mind, we do not compensate damage to existing prostheses or orthopaedic devices, such as glasses, contact lenses, braces and hearing aids

4. New optional legal assistance cover for contractual and other disputes

The new optional legal assistance cover for contractual and other disputes under our family insurance also provides 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)

Home-help insurance

Do you regularly have someone help you at your home?

If you pay someone, such as a cleaner, babysitter or gardener, to help you in or at your home, you are legally required to take out industrial accident insurance. Our Insurance Expert would be pleased to explain this to you in more detail.

How much does your family insurance cost?

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