Who’s covered by family insurance?
80% of people living in Belgium have taken out family insurance, but who’s actually covered by this policy? Is it just the policyholder and their family or does it apply to ‘blended’ children too? What is the situation if your children are studying abroad? And what about co-housing communities or single-person households? We’ve provided an overview of who is and who isn’t covered by family insurance.
It’s important to know that family insurance is based on the policyholder's domicile address. All persons residing at that address are covered.
Is it worthwhile for someone single to take out family insurance?
Don't be fooled by the name ‘family’ insurance.
Family insurance is available to all and provides cover regardless of whether you’re living together as a family, in a co-housing community or alone. This is especially important when you realise that anyone can be involved in an accident that could end up having a (significant) financial impact on their life.
Suppose you’re out cycling and you knock over a pedestrian causing them to fall badly. It’s you who’ll have to pay all the costs arising from the accident, i.e. both the material damage and bodily injury caused to the victim. And those costs can quickly stack up.
Family insurance will pay this compensation on your behalf. Not only that, but it also covers you should you ever suffer loss, damage or injury because of someone else's mistake or negligence.
Put simply, family insurance can save you from a financial headache, including when you live alone.
Are only children living at home covered?
Are your children in student digs or do they study abroad?
If you have family insurance, all the people living with you are covered. Therefore, that also includes students in digs. Even though they often stay at another address, they are still covered by your family insurance as long as they are registered as living at your address.
Are your (‘blended’) children registered as living at another address?
If so, ask yourself these two questions:
- Are they under 18?
- Are they financially dependent on you or your cohabiting partner?
If the answer to one of the questions is ‘yes’, they are still covered by your family insurance. If they are over 18 and no longer financially dependent, they are no longer covered.
Is there also family insurance that covers co-housing communities?
Share a house with others who aren’t family members?
KBC Family Insurance includes separate cover for people who live under the same roof but are not a family unit. One person takes out the insurance and all the others living there are automatically covered by the same policy. Even if you accidentally damage something that belongs to another resident, you are insured. However, the cost of damage caused to contents used by everyone is not.
What happens if someone moves out?
- If one of the residents moves out, he or she is no longer covered
- If the policyholder moves out, the other residents are no longer covered
- New residents are automatically covered (up to five adults)
Does family insurance cover people who are unofficially cohabiting?
Are you unofficially cohabiting with your partner?
We’ve got you covered. As far as your family insurance is concerned, it doesn’t matter whether you live together (officially or unofficially) or whether you’re married. The only condition is that you and your partner are both registered as living at the same address.
Additional family insurance information
Covered
- Loss, damage or injury caused to other individuals
We will compensate the person who suffered the loss, damage or injury. The policy also covers any loss, damage or injury caused by your animals to other individuals. - Loss, damage or injury caused by the actions of another person
We’ll help you get compensation from the liable party. If they are unable to pay, we’ll pay up to 12 500 euros in compensation. This figure is doubled in the case of bodily injuries.
Not covered
- Loss, damage or injury which you cause to yourself or family members
- Loss, damage or injury resulting from gross negligence on the part of a member of your family aged 18 or older
- Loss, damage or injury caused intentionally by a member of your family aged 16 or older
- Loss, damage or injury caused by your riding horses or by animals that you, as a private individual residing in Belgium, are not allowed to keep
- Fines and out-of-court settlements
- Disputes in which you are involved as the owner or driver of a motor vehicle that is subject to compulsory motor insurance
Good to know
- KBC Family Insurance is a form of third-party liability insurance provided by KBC Insurance NV. This product is governed by the laws of Belgium.
- {{right of cancellation}}
- 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. 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, www.ombudsman-insurance.be.
- This does not affect your legal rights.
To request a premium calculation for KBC Family Insurance, visit www.kbc.be, use KBC Touch or KBC Mobile, or contact your Insurance Expert.
KBC Family Insurance is a product provided by 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 of 14 July 1979).
Member of the KBC group
