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KBC Vehicle Insurance for Passenger Cars is a third-party liability insurance policy required by law. More information on this product can be found in the insurance information document, which we recommend you read carefully before taking out the product.

KBC Car Insurance may include one or more of the following types of insurance cover: Compulsory Third-Party Liability Insurance, Legal Assistance Insurance, Comprehensive All-Risk Insurance, Semi-Comprehensive Insurance, KBC-VAB Roadside Assistance Insurance and Driver Accident Insurance.

This product is governed by the laws of Belgium.

Insurance cover under the policy is valid for a term of one year and is tacitly renewed unless you cancel it no later than two months before the main renewal date. As a consumer, you can cancel your policy at any time starting from the second insurance year, with effect after two months have elapsed from the day after the registered letter was submitted for delivery, the writ was served or the date of the acknowledgement of receipt.

Your intermediary is the first point of contact for any complaints you may have. If no agreement can be reached, you can contact KBC Complaints Management by post at Brusselsesteenweg 100, 3000 Leuven, by e-mail at complaints@kbc.be, by telephone on + 32 16 43 25 94 or + 32 78 15 20 45 (paid number), or by fax on + 32 16 86 30 38. 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, info@ombudsman-insurance.be. This does not affect your legal rights.

Contact your Insurance Expert or visit our website to request a quote for KBC Car Insurance for Passenger Cars.

KBC Vehicle 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 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, 14 July 1979). Member of the KBC group.

What is and isn’t covered under third-party liability insurance

What is covered?

• Loss, damage or injury you cause with your vehicle to third parties, both material (e.g., exterior damage, damage to buildings, etc.) and physical (i.e. death or injuries)
• Injuries sustained by pedestrians, cyclists or passengers in traffic accidents in which your car is involved (even if you are not liable, you can claim on this insurance)
  

What is not covered?

• Damage to your own vehicle
• Bodily injuries sustained by the driver in a traffic accident
• Damage caused by taking part in competitions
• Damage you cause intentionally
  

The complete list of exclusions can be found in the general conditions.

What is and isn’t covered under semi-comprehensive insurance 

What is covered?

• Damage caused by martens gnawing on cables and conduits
• Breakage of car window glass or sunroof glass
• Break-ins, theft and vandalism during theft
• Hail damage or damage caused by forces of nature (storm, lightning, flood, etc.)
• Damage caused by fire, explosion or fire-extinguishing activities (including damage caused by melting due to a short circuit)
• Damage caused by collisions with wild or stray animals
• Falling aircraft or aircraft parts
• Any additional vehicle features which you can no longer use after your car has been declared a total loss (e.g., a set of winter tyres or a roof box)
  

What is not covered?

• Damage to your own car caused by a traffic accident (for which you can take out our fully comprehensive insurance)
• Your physical injuries as the driver of your vehicle (for which you can take out our driver accident insurance)
• Theft resulting from leaving the vehicle unlocked and unattended on a public road
• Damage caused by wear and tear or lack of maintenance
• Damage caused intentionally
  

The complete list of exclusions can be found in the general conditions.

What is and isn’t covered under fully comprehensive insurance

What is covered?

• Damage caused by a collision, fire, glass breakage, theft, vandalism, forces of nature, filling up with the wrong type of fuel, collisions with animals, and gnawing martens
• The cost of replacing locks or reprogramming the locking system if the car keys are stolen
• Medical expenses as a result of a carjacking or home invasion
• Vehicle registration tax is covered free of charge if your vehicle is declared a total loss
• Damage to transported items intended for personal use is compensated up to 1 500 euros in the event that the car is also damaged (e.g., bicycles on the bicycle rack or luggage in the roof box)
• Any additional vehicle features which you can no longer use after your car has been declared a total loss (e.g., a set of winter tyres or a roof box)
  

What is not covered?

• Damage caused under the influence of alcohol (more than 0.15%) or in a similar condition due to the use of substances other than alcohol
• Damage resulting from failure to comply with legal driving conditions
• Damage caused intentionally
• Theft resulting from leaving the vehicle unlocked and unattended in a public place
• Your physical injuries as the driver of your vehicle (for which you can take out our driver accident insurance)
  

The complete list of exclusions can be found in the general conditions. Read the product information in full before taking out insurance.