Car insurance - third-party liability

KBC Vehicle Insurance

Car insurance - third-party liability

KBC Vehicle Insurance

Drive safely and pay less

Stay claim-free for five years and you could get 50% off your premium.

Leave the administrative work for your new car to us

New car? We'll handle your car's registration, apply for a new registration plate on your behalf, and contact you when your car is ready to go.

Competitive rates

If you drive claim-free for five years, you only pay half the standard rate when you take out your own car insurance

Compulsory Third-Party Liability Insurance

If you have a car, you are required by law to take out third-party liability insurance. This insurance will cover damage you cause to others with your car, but not the damage to your own car. The third-party liability insurance is valid in Belgium and all countries not crossed out on your international motor vehicle insurance certificate (the 'green card' that you must have in your vehicle at all times).

What is insured?

Drive safely and pay less

  • Careful drivers receive premium discounts faster as a no-claims bonus, which is referred to as the bonus-malus system in Belgium. This system affects the level of your third-party liability insurance premium by awarding you a discount (bonus) for claims-free driving or by penalising you (malus) if you are liable for a claim.
    Your premium could be reduced by as much as 50% after five years
  • If you cause an accident as a careful driver who has not had any damage for three years and a vehicle that is at the best no-claims bonus level, your premium will not go up thanks to our joker system.
    When you receive a joker, KBC Insurance will not take into account the next claim, even if you are at fault. We will automatically use your joker, which means that your no-claims bonus (bonus-malus) rating will not be affected and your premium for your compulsory third-party liability insurance will not go up

New car? KBC will do your paperwork

If you are taking out insurance for your new car, KBC will have your registration plate and all the papers, including the international motor vehicle insurance certificate ('green card'), ready in your car when you collect it from the garage. All you need to do is pick up the keys and go for a drive.  Interested? Read more here.

Good-value car insurance for beginner drivers

  • If you are a beginner driver included in your parents' KBC Vehicle Insurance and you do not cause any accidents for a number of years, those claim-free years will count towards your own no-claims bonus later. If you drive claim-free for five years, you may only have to pay up to half the standard rate later when you take out your own KBC Vehicle Insurance
  • If you have your provisional driving licence or you are about to get it, make sure to check out KBC Start2Drive

KBC also welcomes mature drivers

If you are between 55 and 65 years old, it can be difficult to find affordable car insurance. If you have been a KBC Insurance client for five years or more and you have not had an accident in the last five years, we will reward your loyalty and safe driving record by ensuring that we will not cancel your insurance policy simply because of your age or a claim, even after the age of 65.

Good to know

This product is governed by the laws of Belgium

The insurance provided by this policy is valid for one year It will be tacitly renewed, unless it is terminated no later than three months before the principal renewal date

Your intermediary is your first point of contact for any complaints you may have. If no agreement can be reached, you can contact KBC Complaints Management, Brusselsesteenweg 100, 3000 Leuven,, tel. 0800 62 084 (free number) or 078 15 20 45 (pay number), fax 016 86 30 38. If this does not result in a satisfactory solution, you can contact the Insurance Ombudsman, which acts for the entire industry, at De Meeûssquare 35, 1000 Brussels, or visit
However, you always retain the right to initiate legal proceedings.

To request a quote for a KBC Vehicle Insurance for passenger cars, visit our website or contact your KBC Insurance intermediary.

KBC Vehicle Insurance is a product from 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
The company is 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

For a concise description of the cover, the most important exclusions and other information, please refer to the product fact sheet


Do you have a car and a motorcycle?

If so, ask us about our cheaper rate for combined cover.

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