Car insurance

We recommend registering your child or children in your own car insurance free of charge within the first year of them obtaining their provisional driving licence. You can arrange this in a few easy steps using KBC Mobile or KBC Touch. Registering your child or children in your car insurance ensures they’re properly insured before hitting the road. In addition, this enables them to build up their own no-claims history, so that if they take out their own car insurance with us later, they’ll end up paying a lower rate.

Since driving less reduces the risk of accidents, you get a discount if you drive less than 15 000 km a year. Your premium will be lower still if you drive less than 7 500 km a year.

If you’re aged between 55 and 65, have been a customer 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, unless you ignore or violate the general conditions.

• If you’re insuring a new fully electric vehicle, you’ll get the full amount you paid up to 48 months after purchasing it.
• We offer a 24-month purchase price guarantee for used electric vehicles.
• If you’re insuring a new fossil-fuel vehicle, you’ll get the full amount you paid up to 30 months after purchasing it.
  

• When you take out comprehensive insurance, you choose a deductible that suits your budget, ranging from 250 to 1,250 euros.
  No deductible applies in the following cases:
  – Glass breakage: provided you choose a glass repair company approved by us
  – Fire, melt damage caused by a short circuit, explosions, fire-extinguishing operations, theft, forces of nature, damage caused by pine martens, falling aircraft or parts thereof, or collisions with birds or stray animals
  – Total loss
  
• When you take out semi-comprehensive insurance, no deductible applies. However, if you need to have broken glass repaired and you choose not to use a glass repair company approved by us, you’ll be required to pay a deductible. 

With the ‘10% extra compensation option’, we increase the compensation by 10% – with no further formalities required – to cover any items that may have been lost or damaged in the process. This option is automatically included in our semi- and fully comprehensive insurance, but you can also choose to have it excluded. Your KBC Insurance intermediary will gladly arrange this for you. 

Make sure you always have a European Accident Statement in your vehicle. You can get one from your KBC insurance agent or bank branch.

If you’re involved in an accident with another party, both you and the other party need to fill in the statement. See how. Be sure to specify the repairer where you want to have your vehicle repaired following an accident. KBC uses a network of repairers.

If you also report your claim online using KBC Mobile or KBC Touch, we’ll ensure everything is followed up and processed as quickly as possible.

To switch to KBC, all you need to do is calculate and apply for your insurance online or contact one of our insurance agents. If you decide to conclude a contract with us, we’ll arrange the cancellation of your current contract with the other insurer.

We tailor your premium to your personal situation based on various criteria, such as the type of vehicle you drive, your driving behaviour and the type of insurance you want to take out. For instance, if you have a no-claims history and you apply for insurance for your new vehicle, you’ll pay a lower premium. 

If you’ve put together your insurance package and agree with the proposed premium amount, go ahead and launch the application process. Keep your chassis number handy. You can find it on your vehicle’s registration certificate. If you’re insuring a used vehicle, you’ll also need its initial registration date.

Yes. Our insurance covers you as policyholder as well as any people who drive your car with your permission or who ride along with you. Any person who drives the vehicle for more than 2,500 km per year must be included in the policy.   

A certificate of insurance (this also used to be known as the ‘green card’) serves as proof that your vehicle is properly insured for the term specified on the document. KBC no longer issues a paper version of this document. The certificate of insurance is now white and digital. Just ask Kate for a ‘certificate of insurance’ and it will pop up right away. Learn more.