Semi-comprehensive car insurance

Broken or cracked car windows or sunroofs are quite common

• A chipped or cracked windscreen caused by a pebble or debris bouncing up off the road
• A smashed side window due to attempted theft

The repair costs for car windows with sensors or heating can quickly add up.

No deductible applies when you choose a glass repair company approved by us. We will settle the bill directly with the repairer.

New cars or used cars of up to three years old

Up to 30 months after the purchase date if your car is declared a total loss or if it is stolen and not found within 15 days of being reported missing.

Used cars more than three years old

Up to 12 months after the purchase date.

We will increase the compensation by 10% if your car is stolen or declared a total loss – because you may not receive the same discount or vehicle prices may have gone up. Other items may have been lost or damaged as well as your vehicle, such as your luggage.

There’s no need to submit any receipts or other documents to show us what you do with the extra compensation; it is entirely up to you how you want to use the extra 10%.

Did you know that…

• …more than four in five of our clients opts for the ‘10% extra’ formula?
• That way, you still receive up to 77% of the original purchase price after five years.

Did a pine marten crawl into your car and gnaw its way through your car’s cables? Damaged caused by martens to and inside your car is a growing problem, even in town.

You can cover your car against damage caused by martens with KBC’s partial comprehensive insurance. This insurance automatically covers damage caused by martens gnawing at pipes, cables or insulation in the engine bay.

KBC is the only insurer in the Belgian market to compensate damage caused by pine martens under a semi-comprehensive insurance.

You will receive the compensation as soon as the assessor has calculated the damage to your car. You are free to choose where you have your vehicle repaired. KBC Insurance uses a network of repairers. If you select one of these repairers, KBC will handle the claim directly if possible. You will also receive a replacement car while the repairs are being carried out.

You won’t be required to purchase the same make or model in the event of total loss or theft. You can even choose not to purchase a new car at all.