Company car insurance
- Comprehensive cover for electric vehicles too
- In the event of a total loss, comprehensive insurance provides a 30-month
purchase price guarantee - Ability to calculate and take out insurance quickly online
Why take out car insurance for your business with KBC?
When running a business, the last thing you want to do is waste time. With your new car, it's important to get out on the road as quickly as possible knowing your properly insured. And if your company car needs to be replaced, it's good to know you can calculate your premium and take out your insurance online in a matter of minutes. KBC will look after the rest of the paperwork.
At KBC, you can take out compulsory third-party liability insurance, but also put together your very own package to suit your business needs. When you buy a new car or decide to go for a hybrid or electric vehicle, you'll also get a discounted premium.
With KBC's comprehensive insurance, you can take to the road in your electric or hybrid car with peace of mind, knowing any damage to the vehicle or the battery is covered by the insurance.
Learn more about our company car insurance
If you opt for an electric vehicle, you face other risks than with a traditional car, such as damage to or theft of your charging cable when in use, damage to the battery after an accident or damage caused by fire and melting due to a short circuit. However, when you have comprehensive insurance, you don't have to worry about a thing.
What's more, KBC-VAB Roadside Assistance Insurance is included under the all-risks comprehensive insurance policy. So, if your battery unexpectedly goes flat, we’ll help you get back on the road in no time.
If your own charging station is damaged, it isn't covered by KBC Comprehensive Car Insurance, but it may well be by your home insurance.
If your car has been written off, we'll ensure that you lose as little money as possible by reimbursing the amount you paid for the car up to 30 months after purchasing it. When you take out your insurance contract, you can also add the '10% extra' option – for a small additional fee – and receive an additional 10% in compensation if your vehicle is declared a total loss. It means a number of other costs will also be covered, such as your vehicle registration tax and up to 2 000 euros for accessories that were fitted later.
Your good driving habits will earn you 10% off your third-party liability insurance premium if you drive without causing any at-fault accidents for a year or more. After five years, you will be rewarded with a no-claims joker. If you are involved in an accident where you're at fault and you use this joker, you will avoid your premium going up.
If you drive without causing any at-fault accidents for another five years after this, and your company car remains insured the entire time, you will earn another no-claims joker.
To help you save valuable time, we'll have your number plate and all the papers ready in your car when you collect it from the garage.
If your vehicle is damaged, the administration associated with a claims submission, the assessor's report and repair work is done mainly online to quicken up the entire process.
You choose where to have your car repaired, but if you go for one of the repairers in the network which KBC Insurance works with, KBC will pay the repairer directly. Our approved network of repairers will also provide you with a replacement vehicle for the duration of the repair work, if:
- you have taken out comprehensive insurance
- you are involved in an accident in which you are not liable
The network of approved repairers is provided on our website.
What type of company car insurance can you take out?
1. Compulsory Third-Party Liability Insurance
If you want to drive your company car on public roads, you are required by law to take out third-party liability insurance. It covers any loss, damage or injury you cause to others if you are at fault. In such cases, however, any damage to your car is not insured.
2. Extend your cover by adding Semi-Comprehensive or Fully Comprehensive Insurance
When you take out semi-comprehensive insurance, you are covered in most claim events caused by someone other than yourself. Our fully comprehensive insurance policy covers virtually any claim, unless it is included on the limited list of exclusions (the complete list can be found in the general conditions at the bottom of this page).
| Semi-comprehensive car insurance | Comprehensive car insurance | |
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Glass breakage |
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Damage caused by forces of nature (e.g., by hail) |
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Damage caused by collisions with animals |
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Theft, attempted theft or break-in |
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Fire |
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Compensation for additional features if your car is declared a total loss (e.g., a roof box or a set of winter tyres) |
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Repayment of the vehicle registration tax in the event of a total loss |
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At-fault accidents |
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Vandalism |
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Filling up with the wrong type of fuel |
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Compensation increased by 10% if the car is stolen or declared a total loss |
Optional | Optional |
| More information | More information |
Glass breakage
Damage caused by forces of nature (e.g., by hail)
Damage caused by collisions with animals
Theft, attempted theft or break-in
Fire
Compensation for additional features if your car is declared a total loss (e.g., a roof box or a set of winter tyres)
Repayment of the vehicle registration tax in the event of a total loss
At-fault accidents
Vandalism
Filling up with the wrong type of fuel
Compensation increased by 10% if the car is stolen or declared a total loss
| Semi-comprehensive car insurance |
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| Comprehensive car insurance |
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Glass breakage |
More information |
|---|---|
| Semi-comprehensive car insurance | |
| Comprehensive car insurance |
Damage caused by forces of nature (e.g., by hail) |
More information |
|---|---|
| Semi-comprehensive car insurance | |
| Comprehensive car insurance |
Damage caused by collisions with animals |
More information |
|---|---|
| Semi-comprehensive car insurance | |
| Comprehensive car insurance |
Theft, attempted theft or break-in |
More information |
|---|---|
| Semi-comprehensive car insurance | |
| Comprehensive car insurance |
Fire |
More information |
|---|---|
| Semi-comprehensive car insurance | |
| Comprehensive car insurance |
Compensation for additional features if your car is declared a total loss (e.g., a roof box or a set of winter tyres) |
More information |
|---|---|
| Semi-comprehensive car insurance | |
| Comprehensive car insurance |
Repayment of the vehicle registration tax in the event of a total loss |
More information |
|---|---|
| Semi-comprehensive car insurance | |
| Comprehensive car insurance |
At-fault accidents |
More information |
|---|---|
| Semi-comprehensive car insurance | |
| Comprehensive car insurance |
Vandalism |
More information |
|---|---|
| Semi-comprehensive car insurance | |
| Comprehensive car insurance |
Filling up with the wrong type of fuel |
More information |
|---|---|
| Semi-comprehensive car insurance | |
| Comprehensive car insurance |
Compensation increased by 10% if the car is stolen or declared a total loss |
More information |
|---|---|
| Semi-comprehensive car insurance | Optional |
| Comprehensive car insurance | Optional |
3. Additional Driver Accident Insurance
If you have an accident, the damage caused to others is covered by your third-party liability insurance policy, while damage to your own car is covered by your comprehensive insurance policy.
However, if you suffer injuries and also want the medical expenses to be reimbursed, you need to have additional driver accident insurance.
4. Personal assistance and roadside assistance
Additional roadside assistance insurance and personal assistance insurance provide cover if your car breaks down or you have an accident – either in Belgium or abroad.
5. Legal Assistance Insurance
There’s always the possibility that you’ll end up in a dispute following an accident. If there is disagreement with the other party regarding compensation or the repair work, this supplementary cover ensures you receive legal assistance to recover the cost of your loss or damage – either through litigation or an out-of-court settlement. Your legal expenses are covered up to 100 000 euros.
Good to know
Our vehicle insurance may include various obligatory and optional insurance: Compulsory Third-Party Liability Insurance, Legal Assistance Insurance, All Risks Comprehensive Insurance, Partial Comprehensive Insurance, KBC-VAB Assistance and Driver Accident Insurance.
- This product is governed by the laws of Belgium.
Insurance cover under this policy is valid for a term of one year and is tacitly renewed unless you cancel it no later than three months before the main renewal date.
For policies taken out or tacitly renewed on or after 1 October 2024, you have up to two months before the main renewal date to cancel them.- Your intermediary is the first point of contact for any complaints you may have. If no agreement can be reached, please contact KBC Complaints Management: Brusselsesteenweg 100, 3000 Leuven, complaints@kbc.be, tel. 016 43 25 94 (free of charge), tel. + 32 78 15 20 45 (charges apply), fax + 32 16 86 30 38. If you cannot find a suitable solution, you can contact the Belgian insurance industry’s ombudsman service: de Meeûssquare 35, 1000 Brussels, info@ombudsman-insurance.be, www.ombudsman-insurance.be. This does not affect your legal rights.
Contact your Insurance Expert or visit our website to request a quotation for KBC Vehicle Insurance for passenger cars. KBC Vehicle Insurance is a product from KBC Insurance NV – Professor Roger Van Overstraetenplein 2 – 3000 Leuven – Belgium
VAT BE 403.552.563 – RLP Leuven – IBAN BE43 7300 0420 0601 – BIC KREDBEBB
Company authorised for all classes of insurance under code 0014 (Royal Decree of 4 July 1979; Belgian Official Gazette, 14 July 1979) by the National Bank of Belgium, de Berlaimontlaan 14, 1000 Brussels, Belgium.
Member of the KBC Group
