Third-party liability (TPL)
- Get a 10% discount on your third-party liability insurance after your first year without a claim
- Just bought a new car? We'll register your car and provide you with your number plate
- Free towing of vehicle after an accident in Belgium
Third-party liability car insurance (or TPL car insurance) is legally required for driving in Belgium. It covers the loss, damage or injury you cause to others.
What does TPL car insurance cover?
Third-party liability car insurance covers you in Belgium and all the countries listed on your certificate of 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?
Some key exclusions are:
- damage to your own vehicle
- physical injuries sustained by the driver in a traffic accident
- damage caused during participation in competitions
- damage you cause intentionally
The complete list of exclusions can be found in the general conditions.
The benefits of TPL car insurance with KBC
¹ The kilometre discount applies to the premium for third-party liability insurance. The discount applies to new insurance as well as the replacement of a vehicle under existing insurance cover.
More about TPL insurance
Work and take out your insurance online
Our handy simulator at the bottom of the screen lets you work out the price of your car insurance. You can take out cover online straightaway, without having to go to your branch, and with us, you're not on your own when it comes to claiming.
There's always a KBC Insurance agent in your neighbourhood who will be happy to help you with your claim. That includes insurance you’ve taken out with us online.
No-claims joker
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 insuranceYou’ll pay 10% less for your compulsory third-party liability insurance from your first year without a claim. 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.
Life-long insurance guarantee: ensures that you remain insured later in life
If you’re aged between 55 and 65, have been a client with KBC Insurance for five years or more and haven’t had an accident in the last five years, you are entitled to our life-long insurance guarantee. You can rest assured that your compulsory third-party liability insurance will not be cancelled – even in the event of a claim.
If your son or daughter is learning to drive, they are covered as well
Your car insurance also has certain benefits for your children as they learn to drive:
- KBC Start2Drive cover allows you to include your children in your car insurance as they learn to drive. And no extra premium applies for a period of 24 months after they have obtained their provisional driving licence.
- KBC MyFirstCar gives your children their own inexpensive car insurance in their own name.
What should you do if your car is damaged?
Car involved in an accident, suffered glass breakage or been stolen? Find out what to do if you need to file a claim.
Things you should know about the third party liability cover in KBC Vehicle Insurance for Passenger Cars
The third-party liability cover in KBC Vehicle Insurance for Passenger Cars is required by law.
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, tel. 016 43 25 94, 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 KBC insurance expert or visit our website to request a quote for KBC Car Insurance for Passenger Cars.
KBC Vehicle Insurance for Passenger Cars 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.
