Family insurance
- Covers the cost of loss, damage or injury caused to others
- Get legal assistance if someone causes you loss, damage or injury
- Available 24/7 in the event of a claim
What is family insurance?
A minor slip up or a moment of inattention can have major financial consequences. You could accidentally run into a cyclist who falls and is badly injured or someone could spill coffee over your laptop but refuses to pay for the damage. Family insurance protects you from such unexpected costs, regardless of whether you caused the harm or suffered it.
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 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
Compensation and deductible
- For bodily injuries, we provide cover of up to 30 million euros per claim event 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 event.
Additional family insurance information
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. A minor accident can sometimes have serious 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.
Whether you're living on your own or together with friends, are single or have young 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).
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)
The five most common incidents prompting claims among KBC customers are listed below along with their estimated cost.
- A water leak in your bathroom causes damage in a neighbouring property
- Possible consequences: Plastering and painting
- Estimated cost: 700 euros to 2,500 euros
- While riding your bike or kick scooter you hit a pedestrian and cause permanent injury
- Possible consequences: Lifelong care
- Estimated cost: +1 million euros
- You accidentally scratch the door of a car with your bike
- Possible consequences: Repair or replacement of the car door
- Estimated cost: 700 euros to 1,500 euros
- A tree falls the wrong way causing damage to your neighbour's property
- Possible consequences: Repair or replacement of fence and furniture
- Estimated cost: 1,700 euros to 10,000 euros
- You accidentally damage the front door of an apartment block when helping a friend to move
- Possible consequences: Repair or replacement of the front door
- Estimated cost: 1,000 euros to 5,000 euros
These three forms of insurance cover are particularly useful if you’re ever involved in an accident. However, there are also important differences. Find out how and when you are covered by these policies.
Vet bills can quickly stack up. If you insure your dog or cat, we will reimburse the costs if your pet
- gets injured, falls ill or dies
- goes missing or is stolen
Covered
Cover for pets’ injuries and illnesses
- Veterinary treatment by a veterinarian from the partner network needed as a result of an injury or non-chronic illness of the insured pet
- The first diagnosis of a chronic illness arising during the insurance period
- The additional cost of certain veterinary treatments recommended or prescribed by the vet, such as acupuncture, homeopathy and hydrotherapy
Depending on the insurance policy chosen, the following forms of cover are included:
Cover for the loss or theft of a pet
Theft or loss of the insured pet if they are not returned or found within 30 days of them being reported stolen or lost, provided that you have reported the theft or loss to the local police.
Cover for expenses knowingly incurred in order to find a lost or stolen pet
Expenses knowingly incurred in order to find a lost or stolen pet, such as advertising costs and reward money.
Death cover
If the insured pet dies or the vet decides that the insured pet should be put down as a result of an illness or injury due to any cause whatsoever as it was inhumane to keep the pet alive since the injury or illness could not have been treated effectively.
Not covered
Exclusions that apply to all forms of cover
- Pre-existing injuries or illnesses that you were or should have been aware of upon signing up to the insurance
- Certain illnesses in dogs such as rabies (unless your dog has been vaccinated against these illnesses throughout the insurance period)
- Certain illnesses in cats such as feline immunodeficiency virus (unless your cat has been vaccinated against these illnesses throughout the insurance period)
Cover for pets’ injuries and illnesses
- Costs incurred relating to vaccination, castration, cosmetic treatment, etc.
Different waiting periods apply for each form of cover. The complete list of exclusions and waiting periods can be found in the general conditions.
Compensation and deductible
The sums insured per insured event and the compensation limit applicable per insurance year for all insured events combined may differ depending on the insurance policy chosen and are specified in the membership document.
In case of loss or theft of the insured pet, you will receive compensation in the amount of a) the purchase value of the pet; or b) the standard market value if you are unable to submit proof of purchase of the insured pet.
Only the cover for pets’ injuries and illnesses involves a deductible, which is 10% of the costs eligible for reimbursement, subject to a minimum of 40 euros per insured event.
Good to know
PetExpert Insurance is a form of non-life insurance that offers you financial relief when you’re suddenly faced with vet bills, including for treatment of injuries, illnesses, operations, aftercare, hospitalisation, and medication or related expenses.
- 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 two months before the main renewal date. 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.
- PetExpert Belgium BV, Sint Michielslaan 65/6, 1040 Brussels, Belgium is your first point of contact for any complaints you may have. 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, www.ombudsman-insurance.be. This does not affect your legal rights.
- Please go to www.petexpert.be or call PetExpert on 02 781 01 08 if you would like to run a simulation for PetExpert Insurance.
- PetExpert 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
Be sure to read this information document carefully before taking out the insurance. The forms of cover, exclusions and other information can be found in the general conditions.
Good to know
- 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
