Your KBC Credit Card 

Cancellation of your trip
Having to cancel or cut your trip short is never fun. Luckily, your KBC Credit Card includes Travel Cancellation cover, which can help you get back some of the travel expenses you incurred.

Covered
Expenses incurred of up to 10 000 euros per insurance year for all the insured combined, if your trip is cancelled or cut short due to:

• Sudden illness, accident or death of the person signing up to the package (‘member’), a family member to the second degree or a person living under the same roof who is a dependent of the ‘member’ for tax purposes or over whom the ‘member’ has custody

• Serious material damage to the main residence of the ‘member’

• Denial of necessary vaccinations for medical reasons, whether known in advance or not

• Denial of a visa despite the fact that the correct procedure was followed and the insured has never been refused a visa before

Not covered

• Business trips

• Transport not used to travel to and from the holiday destination

• Cancellation or interruption due to medical conditions or injuries that existed at the time the trip was booked

• Claim events due to excessive consumption of alcohol, drugs or medication not prescribed by a doctor

• Etc.

A complete overview of cover provided and exclusions can be found in the general conditions.

Get reimbursed for hire car excess charges
If you’re on holiday and your hire car gets damaged or stolen and there is an excess in the car’s insurance, that excess will be reimbursed.

Covered

• You can claim on the Hire Car Excess cover if:

• You rent a vehicle abroad for personal use for no more than 30 days

• The rental company is a professional rental company

• The rental contract may be entered into in Belgium

• This cover reimburses the excess if it amounts to at least 100 euros. The maximum amount of compensation is 2 500 euros per claim event and per insurance year

Not covered

• Any hire trailer excess

• Damage that was caused before or after the agreed hire period

• Use of the hire car for professional purposes

• Etc.

A complete overview of cover provided and exclusions can be found in the general conditions.

Luggage been delayed? You’ll be reimbursed for any urgent purchases you have to make
If your luggage arrives later at the airport and you have to buy new clothes and toiletries as a result, this cover reimburses you for any urgent purchases you need to make while waiting for your luggage.

Covered

• Purchases that are not refunded by the airline:

• Luggage delayed for more than 4 hours: compensation of up to 250 euros per trip for all the insured

• Luggage delayed for more than 48 hours: additional compensation of up to 500 euros per trip for all the insured

Not covered

• If you failed to hand over your luggage on departure or it was checked in too late

• When you fail to collect your luggage

• Etc.

A complete overview of cover provided and exclusions can be found in the general conditions.

Protect your purchases against damage or theft.
Ripped your skirt when getting up from your chair or had your laptop stolen from the boot of your car? With Purchase Protection cover, your purchased items are covered for damage or theft.

Covered

• You can claim on the Purchase Protection cover for:

• Accidental damage

• Aggravated theft of your purchased items

• Up to 90 days after the date of purchase or delivery

• Insured items purchased online (cover is always provided from the date of purchase)

• Additional conditions:

• The items are new and have been sold by a professional vendor

• The items are intended for personal use

• The value of the insured items is at least 50 euros (VAT included, excluding postage and delivery costs)

The repair costs or the new price of your insured item will be reimbursed up to 3 000 euros per claim event and per insurance year. If the repair costs exceed the new replacement value, only the new replacement value will be reimbursed.

Not covered
The main excluded items are:

• Money

• Foreign currencies

• Traveller’s cheques

• Marketable securities

• Mobile phones

• Second-hand or used goods

• Jewellery, watches

• Furs

• Works of art

• Etc.

A complete overview of cover provided and exclusions can be found in the general conditions.

Get an additional two years’ warranty beyond the statutory period.
Has your appliance or device been damaged after the statutory warranty has expired? With Extended Warranty cover, you get an additional two years’ warranty for newly purchased appliances or devices.

Covered

• Extended Warranty cover applies to the following categories:

• White goods: electrical and electronic household appliances

• Brown goods: audio, TV and video appliances

• Grey goods: computer products and accessories

• DIY equipment: any electrical and electronic DIY equipment for use in the home

The repair costs or the new price of your insured item will be reimbursed up to 3 000 euros per claim event and per insurance year. If the repair costs exceed the new replacement value, only the new replacement value will be reimbursed. i.e. the new-for-old value on the day of the claim.

Not covered
Exclusions include:

• Any deliberate damage caused by the insured or members of their household

• Loss or unaccountable disappearance

• Damage during transport

• Normal wear and tear

• Superficial/cosmetic damage such as scratches or dents

• A defect in the insured item covered by the statutory warranty

• Etc.

A complete overview of cover provided and exclusions can be found in the general conditions.

Protect your purchases against damage or theft
Ripped your skirt when getting up from your chair or had your laptop stolen from the boot of your car? With Purchase Protection cover, your purchased items are covered for damage or theft.

Covered

• You can claim on the Purchase Protection cover for:

• Accidental damage

• Aggravated theft of your purchased items

• Up to 90 days after the date of purchase or delivery

• Insured items purchased online (cover is always provided from the date of purchase)
  Additional conditions:
  

• The items are new and have been sold by a professional vendor

• The items are intended for personal use

• The value of the insured items is at least 50 euros (VAT included, excluding postage and delivery costs)

The repair costs or the new price of your insured item will be reimbursed up to 3 000 euros per claim event and per insurance year. If the repair costs exceed the new replacement value, only the new replacement value will be reimbursed.

Not covered
The main excluded items are:

• Money

• Foreign currencies

• Traveller’s cheques

• Marketable securities

• Mobile phones

• Second-hand or used goods

• Jewellery, watches

• Furs

• Works of art

• Etc.

A complete overview of cover provided and exclusions can be found in the general conditions.