We no longer apply a no-claims bonus system. Instead, we reward
good drivers with benefits, such as a joker and a discount
on their third-party liability insurance. Because even the best
drivers can get into an accident.
KBC rewards you with a joker after not filing any at-fault
claims for five consecutive years. If you do end up in an accident in
which you were at fault, you can use your joker to avoid a premium
increase. You can earn back your joker if you do not file any claims
for five consecutive years and provided you were insured during this
period. This way your premium stays the same in the unfortunate event
that you are involved in an accident one time only.
Discount on your third-party liability insurance
Your good driving habits will also earn you a 10% discount on your
compulsory third-party liability insurance. If you cause an accident
but don’t have a joker, this discount will be forfeited for a full
year.You will receive the discount again if you do not file any claims
for one full year.