Electric car insurance
- Discount for safe drivers
- All risks insured*
- Only KBC reimburses the full purchase price of your electric vehicle* up to 48 months
Insurance for your electric car that has you covered
Our insurance protects your electric car even in the most unexpected situations. A few real-life examples in which KBC has provided compensation for claims:
- ‘I drove off with the charging cable still connected to my car.’
- ‘I accidentally ran over my charging cable and now the charging connector is broken.’
In addition, you can count on receiving generous compensation if your vehicle is declared a total loss or stolen:
- Get the full amount you paid for a new fully electric car up to 48 months after purchasing it
- Benefit from 24-month purchase price guarantee coverage for second-hand electric cars
Other useful information when looking to insure your electric car
Naturally, the price of a vehicle affects the insurance premium: the more expensive the vehicle, the higher the risk. That said, the premium is not determined based only on the price of the vehicle, but also on its power, and the driver’s age and place of residence.
Insurance for electric vehicles is no more expensive than for fossil-fuel vehicles. What’s more, since new vehicles are equipped with more safety features and driver-assistance systems than older ones, KBC also charges a lower premium for newer models.
No. Insurance for electric vehicles is no more expensive than for fossil-fuel vehicles. What’s more, since new vehicles are equipped with more safety features and driver-assistance systems than older ones, KBC charges a lower premium for newer models.
Problems that do still occasionally arise with electric vehicles are damage to the charging point itself or damage caused by a defect in the charging point. Many people rightly wonder whether they are insured for this. Damage to the charging point is included in your all risks comprehensive insurance and in most cases, damage caused by a defect in the charging point such as a short circuit is covered by KBC Home Insurance*.
I have been a customer at KBC for many years, so when I switched to an electric car a while ago, I didn’t have to think twice about taking out a comprehensive insurance policy with them. I just had to send the details of the new car and all the paperwork was taken care of for me.
Johan Soetaert, Kortrijk
What cover should I take out for my electric car?
1. Third-party liability insurance
As with any car, you are required to take out third-party liability insurance for your electric car to cover any loss, damage and/or injury you might cause to others.
What is covered?
- Loss, damage or injury you cause with your vehicle to third parties, both material (e.g., exterior damage, damage to buildings, etc.) and physical (i.e. death or injuries)
- Injuries sustained by pedestrians, cyclists or passengers in traffic accidents in which your car is involved
Even if you are not liable, you can claim on this insurance.
What is not covered?
Some key exclusions are:
- damage to your own vehicle
- physical injuries sustained by the driver in a traffic accident
- damage caused during participation in competitions
- damage you cause intentionally
The complete list of exclusions can be found in the general conditions.
2. Comprehensive insurance
Supplement your compulsory third-party liability insurance with comprehensive insurance and get maximum protection for your 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.
3. Roadside assistance insurance
If you’re stuck on the road due to a breakdown, you can count on our roadside assistance insurance. This insurance is automatically included in our comprehensive insurance policy. Our optional personal assistance insurance covers any expenses you incur for medical care and repatriation services provided outside Belgium.
What is covered?
VAB breakdown service
- 24/7 VAB breakdown assistance at your home or while travelling in Belgium or Luxembourg
- Repairs on the spot or towed to the most appropriate garage
- Insured persons transported home
Comprehensive vehicle assistance
Get help following an accident, theft or breakdown, including abroad.
- Insured persons brought back home
- Stolen vehicle returned to you if found
- Breakdown assistance or towed to the most appropriate garage
- Worldwide personal assistance
- Travel assistance in the event of illness or accidents with medical cover of up to 250 000 euros
Help with other inconveniences like:
- shipping clothing and personal travel items if your luggage is stolen
- Replacement vehicle following an accident, breakdown or theft (optional)
Wat is niet verzekerd?
- Schade die je opzettelijk veroorzaakt.
- KBC betaalt geen herstellingen, enkel de takelkosten en de kosten voor het opsturen van de wisselstukken.
- Verwikkelingen of verergeringen van een bestaande ziekte als je de voorgeschreven behandeling niet hebt gevolgd
- Betaalde of winstgevende sportbeoefening, trainingen inbegrepen
De volledige lijst met uitsluitingen vind je in de algemene voorwaarden.
4. Legal assistance
If you’re unhappy with the payment arrangements made with the other party or end up in a protracted dispute and require the help of a lawyer, our optional legal assistance insurance will cover your legal fees.
What is insured?
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.
What is not insured?
- 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
5. Driver accident insurance
To make sure any medical expenses you incur as a driver are covered at all times, we recommend our driver accident insurance.
What is insured?
- Medical care following an accident
- If you need suitably adapted transport in order to conveyed to a hospital for necessary care, we pay that expense
- Compensation is paid for permanent injury you sustain personally
- Financial support is provided to close family and, in the case of death, the policy covers the expense of your funeral
The compensation does not vary according to whether it is you or another party who was liable for the accident.
What is not insured?
- Industrial accidents
- Accidents resulting from an intentional act or serious breach of a duty of care
- Participation in and trials for speed, pace or proficiency trials.
- Accidents when you are in a state of alcoholic intoxication to the extent of over 1.5 pro mille or if you are in a state of drunkenness or a similar state as the result of using other substances than alcohol
The complete list of exclusions can be found in the general terms and conditions.
*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-insurance.be, www.ombudsman-insurance.be. 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
KBC Home Insurance
What is insured?
- Damage caused by, for example, fire, explosion, storm, hail, lightning, water, collision, ... to your
- Home contents: furniture, clothing, bicycles, jewellery, television sets, etc.
- Pets
- Motor vehicles and their trailers
And we take it a step further: your home's contents is also covered against all types of loss and damage, on condition that you did not expect said event to occur and that the loss or damage amounts to at least 1 250 euros. If you choose to add on this cover, you will also be protected against any loss or damage caused by theft or attempted theft.
What is not insured?
- Theft and attempted theft
- Loss
- Deliberate damage
- Damage caused by flooding or by the overflowing of public sewers to items outside the home
- Unique property, such as art objects and antiques. We recommend our specific ‘Valuables’ cover for this purpose. Contact our Insurance Expert.
Good to know: KBC Home Insurance
KBC Home Insurance for owners may include one or more of the following types of insurance cover: home insurance, home contents insurance, theft insurance for home contents, swimming pool insurance, garden insurance and soil decontamination insurance. These are forms of property damage insurance. These forms of insurance cover are intended for owners-residents of private homes who do not use their home for commercial activities or liberal professions.
- 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. 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 insurance expert or visit our website to request a quotation for KBC Home Insurance for owners.
KBC Home Insurance for owners 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.
