There is always the possibility of a dispute after an accident.
Suppose that

• You do not agree on who caused the damage and who is liable for the damage
• You suffer a loss, damage or injury and the liable party cannot or does not want to compensate you for it
• You are dissatisfied with the repair to your car
• You were wrongly fined

In that case, our legal assistance insurance team, Defendo, is there to advise and help you.
Defendo always strives for an out-of-court settlement. If that cannot be achieved, the lawyer of your choice will defend you in court.
The important thing is that Defendo will make every effort to recover your loss or damage from the other party. Defendo will pay up to 100,000 euros to do this. And if the person who has to pay your loss does not have the means to do so, Defendo will cover up to 12,500 euros.

Our legal assistance insurance provides extensive cover for

• Contractual disputes: loss or damage when buying, selling, maintaining or repairing your car
• Administrative disputes: problems with a revoked driving licence, road tax or the technical inspection of your vehicle, for example
• Criminal defence claims in case of alleged traffic offences, for example. When you receive a summons for speeding, moving through a red light, alcohol intoxication, etc.

• Fines and out-of-court settlements
• Disputes about
  • Paid transport of passengers or goods
  • Participation in speed races and time-speed distance (TSD) rallies
  • Rental of your vehicle
• Deliberate violations

• 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 a consumer, you can cancel your insurance contract at any time starting from the second insurance year, 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 your first point of contact for any complaints you may have. If no agreement can be reached, you can contact KBC Complaints Management, Brusselsesteenweg 100, 3000 Leuven, complaints@kbc.be, tel. 016 43 25 94, fax 016 86 30 38. If this does not result in a satisfactory solution, you can contact the Insurance Ombudsman, which acts for the entire industry, at de Meeûssquare 35, 1000 Brussels, info@ombudsman-insurance.be or visit www.ombudsman-insurance.be
• However, you always retain the right to initiate legal proceedings.

To request a quote for legal assistance insurance in KBC Vehicle Insurance, contact your KBC Insurance intermediary.

KBC Vehicle Insurance is a product from 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
The company is 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