Comprehensive car insurance
- Discount for safe drivers
- All risks insured*
- Only KBC reimburses the full purchase price of your electric vehicle* up to 48 months
Why take out comprehensive insurance with KBC?
Buying a new or used car can be quite an investment, and you naturally want to be properly covered against loss or damage in the event of an accident, theft or vandalism. Comprehensive insurance covers loss or damage to your own car, even if you caused it yourself.
Our fully comprehensive insurance also includes all risks cover: all loss and damage is covered, except for cases explicitly included on the list of events not insured in the general conditions.
No, comprehensive insurance is not compulsory by law. However, we do recommend that you take out comprehensive insurance for your new car. As many as 90% of our clients purchase comprehensive insurance for their new car.
Insured
- Damage caused by a collision, fire, glass breakage, theft, vandalism, forces of nature, filling up with the wrong type of fuel, collisions with stray animals or birds, and gnawing martens
- The cost of replacing locks or reprogramming the locking system if your car keys are stolen
- Medical expenses if you were injured in a carjacking or car theft
- Vehicle registration tax is covered free of charge if your vehicle is a total loss
Damage to transported items
- We compensate up to 1 500 euros for items you transport in your car which are intended for personal use in the event that your car is also damaged, including bicycles on your bicycle rack or luggage in your roof box
- We also cover any additional vehicle features which you can no longer use after your car has been declared a total loss, such as your winter tyres or roof box
Not insured
- Damage you cause under the influence of alcohol (more than 0.15%) or in a similar condition due to the use of substances other than alcohol
- Damage you cause while driving your car in violation of the conditions laid down in Belgian laws and regulations
- Damage you cause intentionally
- Damage to parts caused as a result of wear and tear or by an obvious lack of car maintenance
- Theft you facilitated by leaving your vehicle unattended on a public road or unlocked in another location accessible to the public
- Your physical injuries as the driver of your vehicle
(for which you can take out Driver Accident Insurance)
The complete list of exclusions can be found in the general conditions.
Learn more about All Risks Comprehensive Insurance under KBC Vehicle Insurance for Passenger Cars
Our handy calculator below lets you work out the price of your car insurance. You can take out cover online straightaway, so that you don't even have to go to your branch. After all, you get the same rate online as you would at your branch or insurance agent.
Any damage? With us, you’re not on your own when it comes to claiming. There’s always a %%bank%% Insurance agent nearby who will be happy to help you with your claim. That includes insurance you’ve taken out with us online.
Choose a deductible that suits your budget
If your son or daughter has a provisional driving licence and also drives your car, make sure to include them in your car insurance policy. With KBC Start2Drive, they build up their own claim-free years, which means they'll end up paying less later when they take out their own car insurance with us. Learn more about KBC Start2Drive
You can then switch to mini- or semi-comprehensive insurance. This insurance covers the most important claims, such as theft, glass breakage, forces of nature and fire.
Got questions?
Our insurance experts are ready to help you. Call KBC Live or make an appointment with your KBC branch for more details and assistance.
Customer testimonial: Willy Hoskens from Deurne
Willy Hoskens
Good to know
All Risks Comprehensive Insurance under KBC Vehicle Insurance for Passenger Cars is a fully comprehensive insurance policy.
- 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 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 or + 32 78 15 20 45 (charges apply), fax + 32 16 86 30 38. 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.as, www.ombudsman.as. This does not affect your legal rights.
Contact your KBC insurance expert or visit our website to request a quotation for KBC Vehicle Insurance for Passenger Cars.
KBC Vehicle Insurance for Passenger Cars 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
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
Read this information carefully before taking out this insurance
Car accident claims
Accident, glas breakage, theft? Help with filing a car accident claim.
