Family insurance
- Make sure you and your family members are covered for loss, damage or injury caused to others
- Take out your family insurance right away
- Get separate cover for co-residents
What is family insurance?
If someone sustains loss, damage or injury as a result of an error or negligence on your part – or on the part of your cohabiting partner or children – he or she could claim compensation. In that case, our family insurance will protect you against the financial consequences.
And should you or a family member ever suffer loss, damage or injury because of someone else's mistake or negligence, our personal legal assistance insurance will provide you with the legal support and assistance to seek compensation (for instance, if an inattentive cyclist crashes into you).
Why take out family insurance?
Our records show when customers claim on their family insurance most often.
Five examples of incidents often prompting these claims are:
- Water leaks in bathrooms causing damage in a neighbouring property
- Bikes or kick scooters hitting pedestrians and causing them permanent injuries
- Damage caused by bikes between two parked cars accidentally leaving a scratch on the door of one of the cars
- Felled trees falling the wrong way causing damage to a neighbour's property
- Accidental damage caused to the front door of an apartment block when helping a friend to move
Is family insurance obligatory?
Family insurance isn't obligatory, yet nearly every Belgian household has it. You really can't do without it, even if you're single or you don't have any children. Minor accidents can have major consequences.
Say the worst happened and someone ended up permanently disabled. If you are deemed responsible for the accident, you could be paying for the rest of your life. KBC Family Insurance covers you in such situations for a relatively low premium.
Who should take out family insurance?
Whether you're living on your own or together with friends, are single or have young lively children, family insurance is absolutely essential in all households. And if you've gone through a divorce, it's worthwhile reviewing your existing family insurance policy too.
Our family insurance also 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)
- If one of the residents moves out, he or she is no longer covered
- If the policyholder moves out, one of the other residents has to take over the insurance
- New residents are automatically covered (up to five adults)
What is and isn’t covered?
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
If you take out personal legal assistance insurance, 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 that you cause to yourself or family members
- Loss, damage or injury caused by misconduct 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
Compensation and deductible
- For bodily injuries, we provide cover of up to 30 million euros per claim and there's no deductible to pay
- We provide cover of up to 10 million euros for material damage and you pay a deductible of 250 euros per claim
Extra features
Option 2: Legal assistance for contractual disputes
What if …
- Your new TV doesn't work and the shop refuses to replace it?
- Your landlord refuses to fix a broken front door?
- Your new boiler or kitchen you've had installed is badly fitted?
- The luxury cruise you booked turns out to be on an old rust-bucket?
In such cases, our legal assistance insurance provides legal support for contractual disputes as long as the amount involved is at least 200 euros.
Tax-deductible
If you take out additional legal assistance cover for contractual and other disputes, you will also receive legal support in the event of administrative or tax disputes, construction disputes and disputes relating to a first divorce. That's particularly useful as lawyers and the courts can end up costing you a lot of money.
If you take out personal legal assistance insurance and the optional cover for contractual and other disputes, the premium you pay is tax-deductible.
Find out more about optional legal assistance cover (tax-deductible)
Additional KBC Family Insurance information
What are the differences between accident insurance, hospitalisation insurance and family insurance?
Compare these forms of insurance and find out when they’ll come in handy.
Since January 2022, you must have a certificate with you proving you hold family insurance when you go skiing or snowboarding in Italy.
If you’ve taken out family insurance with us, request a certificate in good time from your branch, insurance agency or through KBC Live.
This requirement does not apply to cross-country skiing.
Good to know
- 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 from the second insurance year, you can cancel your insurance at any time, 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. If you cannot find a suitable solution, you can contact the Insurance Ombudsman Service: de Meeûssquare 35, 1000 Brussels, info@ombudsman-insurance.be, www.ombudsman-insurance.be.
- This does not affect your legal rights.
Please go to www.kbc.be, use KBC Touch or KBC Mobile, or contact your Insurance Expert to get a premium calculation for your KBC Family Insurance.
KBC Family Insurance is a product of 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 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
