Van insurance
- No-claims bonus
- No named drivers
- Ability to calculate and take out insurance quickly online
Why take out van insurance with KBC?
If you're looking to insure your light goods vehicle, work out your premium online and sign your contract digitally.
Attached trailers of up to 3 500 kg maximum authorised mass (MAM) are covered by the policy free of charge.
If you have an unattached trailer with a maximum authorised mass exceeding 750 kg, you’re legally required to take out separate liability insurance. You can also get even more extensive cover by taking out our Legal Assistance Insurance and Comprehensive Insurance (if you’ve already done so for your van).
Learn more about van insurance
Cover your equipment, orders and raw materials for customers against theft or damage with our Goods in Transit Insurance.
When taking out comprehensive insurance for your van, you can choose between two different depreciation formulas at KBC:
- 12-month purchase price guarantee – go for extensive protection and get reimbursed the full amount paid for the van up to 12 months after it was purchased (if the van is declared a total loss or gets stolen)
- Accelerated depreciation at a lower premium
If different people drive the vans in your company, you no longer need to name these drivers, which simplifies the process of taking out insurance.
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.
What type of insurance can you take out for your van?
1. Compulsory Third-Party Liability Insurance
If you want to drive your van on public roads, you’re required to take out third-party liability insurance as a bare minimum. It covers any loss, damage or injury you cause to others if you are at fault. In such cases, any damage to your van isn’t insured. Drive without causing any at-fault accidents for a year or more to get a discounted premium.
What’s insured?
- Material loss or damage and bodily injury you cause to others with your van
- Injuries sustained by pedestrians, cyclists or passengers following an accident involving your vehicle (even if you’re not at fault)
What's not insured?
- Damage to your own vehicle
- Bodily injury you sustain as the driver
- Damage to property you transport professionally for payment (except passengers’ personal clothing or luggage)
2. Fully Comprehensive Insurance
Get more extensive protection for your vehicle by taking out Fully Comprehensive Insurance, including cover for vandalism, break-ins and damage to your own vehicle when you’re at fault.
What’s insured?
- Damage caused by accidents, vandalism or natural disasters (like storms, hail or floods)
- Damage caused by martens gnawing pipes, cables or insulation in the engine bay
- Break-ins, theft and attempted theft
- Broken or cracked car windows including sunroofs or panoramic sunroofs
- Medical expenses if you’re injured during a car-jacking or home invasion
What's not insured?
- Damage caused intentionally
- Damage to worn or poorly maintained parts
- Theft of your vehicle after leaving it unlocked on a public road or in another public place
3. Semi-Comprehensive Insurance
If you’re after ample cover for an older vehicle, our Semi-Comprehensive Insurance is ideal. It covers theft and damage to your vehicle by fire, storm, animal collision or glass breakage. The difference with fully comprehensive insurance is that damage to your vehicle due to a collision or traffic accident is not compensated.
What’s insured?
- Damage caused by theft, fire, explosion or fire-extinguishing activities
- Damage caused by natural disasters (like storms, hail or floods)
- Damage caused by collision with wild or stray animals
- Broken or cracked car windows including sunroofs or panoramic sunroofs
- Medical expenses if you’re injured during a car-jacking or home invasion
What’s excluded?
- Damage to your vehicle caused by a traffic accident
- Damage to worn or poorly maintained parts
- Theft of your vehicle after leaving it unlocked on a public road or in another public place
- Damage you cause intentionally
4. Goods in Transit Insurance
Cover your equipment, orders and raw materials for customers against theft or damage with our Goods in Transit Insurance. Combine it with fully comprehensive insurance and pay less.
What’s insured?
While driving around, you’re covered in the following cases for damage to your equipment and orders and raw materials for your customers:
- Traffic accidents
- Loading or unloading
- Fires, fire-extinguishing and explosions
- Vandalism and forces of nature
- Theft (optional
See the general conditions for full details of cover.
What's not insured?
- Your vehicle
- Damage from badly maintaining or overloading your vehicle
- Theft of items from the passenger compartment
- Securities, jewellery, animals, etc.
See the general conditions for a complete list of exclusions.
5. Driver Accident Insurance
Driver accident insurance compensates you if you suffer personal injury due to a road traffic accident, even if you’re at fault. People you authorise to drive your vehicle are also covered free of charge.
What’s insured?
- Reimbursement of the cost of medical treatment of injuries
- Substantial cover for permanent injuries
- Funeral costs and financial support for your loved ones in the event of your death
What’s excluded?
- Accidents you cause intentionally
- Accidents you cause while drunk
6. Legal Assistance Insurance
Accidents can lead to disagreements, including disputes with auto repair services. That’s when it’s worth having Legal Assistance Insurance covering legal expenses of up to 100 000 euros.
What’s insured?
- Help claiming compensation
- Legal assistance in contractual disputes about buying or repairing your vehicle
- Legal help in disputes with government agencies in matters relating to public and administrative law (like registering your vehicle)
What’s excluded?
Disputes about:
- Commercial transport of passengers and goods by you
- Deliberate violations
- Leasing or renting out your vehicle
- Buying on finance, hire purchase and other similar financing
7. KBC-VAB Assistance
Cover yourself for accidents and car trouble with our optional KBC-VAB Assistance. It gives you 24/7 breakdown cover plus assistance if your vehicle is stolen, in an accident or breaks down in Belgium or abroad.
Add replacement vehicle cover for extra peace of mind. You can choose between a passenger car, a standard van or one with additional features.
What’s insured?
- Vehicle assistance in the event of theft, accidents or defects
- Breakdown assistance at your home or while travelling in Belgium or Luxembourg
What's not insured?
- Damage you cause intentionally
- Repairs (except towing costs and the cost of shipping replacement parts)
Good to know
KBC Vehicle Insurance for Light Goods Vehicles may include one or more of the above forms of cover. The type of insurance can be deduced from the name of the 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. As a consumer, you can cancel your insurance contract 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, 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 KBC Insurance intermediary to request a quote for KBC Vehicle Insurance for Light Goods Vehicles.
