KBC Credit Card Silver, Gold and Platinum

This cover protects your purchases against accidental damage and aggravated theft (involving violence or forced entry) for up to 90 days after purchase. The items have to have cost over 50 euros and been purchased using your KBC Silver Credit Card.

If you catch your new jersey on a door handle after a week, that’s covered.

What’s excluded?

• Damage caused intentionally by you
• Ordinary wear and tear

Good to know

• The insurance is offered 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.
  
• The conditions of cover are available from all KBC Bank branches and at www.kbc.be/en/silver. The applicable general conditions alone determine your right to compensation from the insurer.
• You can submit any advertising complaints you may have to complaints@kbc.be, tel. 016 43 25 94 or ombudsman@ombudsfin.be, www.ombfin.be. You can submit any insurance complaints you may have by e-mailing info.be@thewarrantygroup.com or info@ombudsman-insurance.be,  www.ombudsman-insurance.be.
• You must register for the insurance policy in order to benefit from its cover. Signing up is free of charge. You can submit a claim under the insurance as long as your credit card is active and you have paid the card fee. The insurance ends automatically when the contract between KBC Bank NV and the insurer is terminated.
• Belgian law applies.
• This insurance is a class 16 product (financial loss insurance).
• For a quote, please contact your KBC insurance intermediary.

This cover adds a further two years to the two-year warranty required by law.

If your dishwasher or power drill gives up the ghost after three years, you will receive compensation for the cost of repairing or replacing it provided the item was purchased using your KBC Silver Credit Card.

What’s excluded?

• Damage caused intentionally by you
• Ordinary wear and tear

Good to know

• The insurance is offered 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.
  
• The conditions of cover are available from all KBC Bank branches and at www.kbc.be/en/silver. The applicable general conditions alone determine your right to compensation from the insurer.
• You can submit any advertising complaints you may have to complaints@kbc.be, tel. 016 43 25 94 or ombudsman@ombudsfin.be, www.ombfin.be. You can submit any insurance complaints you may have by e-mailing info.be@thewarrantygroup.com or info@ombudsman-insurance.be,  www.ombudsman-insurance.be.
• You must register for the insurance policy in order to benefit from its cover. Signing up is free of charge. You can submit a claim under the insurance as long as your credit card is active and you have paid the card fee. The insurance ends automatically when the contract between KBC Bank NV and the insurer is terminated.
• Belgian law applies.
• This insurance is a class 16 product (financial loss insurance).
• For a quote, please contact your KBC insurance intermediary.
  

A KBC Silver Credit Card has a standard spending limit of 2,500 euros a month. Alter your limit in real time using the KBC Mobile app or KBC Touch.

Our apps even let you temporarily raise your spending limit over the maximum amount, as long as your card doesn’t have a KBC Flex Budget facility.

Your credit card spending is generally deducted from your account in one go in the next month. If you want to spread your repayments over several months, link your KBC credit card to a KBC Flex Budget facility. This extra cash reserve can be repaid at your own pace. In exchange for a certain rate of interest, you choose how much you pay off every month.

Learn more about a KBC Flex Budget facility.

There’s always a chance you can’t go on holiday or you have to interrupt it because of troubles at home such as a member of your family being admitted to hospital. This travel cancellation insurance covers the costs of cancelling personal trips that you have paid for using a KBC payment method. If you’re already on holiday and have to return early, you’ll receive compensation for the number of days’ holiday you miss. You are covered for claims of up to 6,000 euros.

What’s excluded?

• Cancellations or interruptions due to non-stable medical disorders or injuries that already existed when the trip was booked
• Claims that are the result of an excessive use of alcohol or medication or drugs, which were not prescribed by a doctor

Good to know

• The travel cancellation insurance is offered 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
• The conditions of insurance cover are available under 'Learn more' (at www.kbc.be/en/gold) and from any KBC Bank branch. The applicable general conditions alone determine your right to compensation from the insurer.
• You can submit any advertising complaints you may have by e-mailing complaints@kbc.be, tel. 016 43 25 94 or ombudsman@ombudsfin.be, www.ombfin.be. You can submit any insurance complaints you may have by e-mailing complaints@kbc.be, tel. 016 43 25 94 or info@ombudsman-insurance.be,  www.ombudsman-insurance.be.
• You must register for the insurance policy in order to benefit from its cover. Signing up is free of charge. You can submit a claim under the insurance as long as your credit card is active and you have paid the card fee. The insurance ends automatically when the contract between KBC Bank NV and the insurer is terminated.
• Belgian law applies.
• This insurance is a class 16 product (financial loss insurance).
• For a quote, please contact your KBC insurance intermediary.

This cover provides you with additional protection for online purchases in the EU or US. If the refrigerator you buy online is damaged on delivery or the wrong product is delivered and the supplier refuses to accept responsibility, we’ll make sure that you get your money back.

Be careful with online stores offering products at very low prices; they’re often not to be trusted. Check the accreditation of unknown online stores to see whether they are trustworthy and read their customers reviews.

What’s excluded?

• Damage caused intentionally by you
• Hidden defects

Good to know

• Online purchase protection insurance is offered 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.
• The conditions of insurance cover are available under 'Learn more' (at www.kbc.be/en/gold) and from any KBC Bank branch. The applicable general conditions alone determine your right to compensation from the insurer.
• You can submit any advertising complaints you may have by e-mailing complaints@kbc.be, tel. 016 43 25 94 or ombudsman@ombudsfin.be, www.ombfin.be. You can submit any insurance complaints you may have by e-mailing complaints@kbc.be, tel. 016 43 25 94 or info@ombudsman-insurance.be,  www.ombudsman-insurance.be.
• You must register for the insurance policy in order to benefit from its cover. Signing up is free of charge. You can submit a claim under the insurance as long as your credit card is active and you have paid the card fee. The insurance ends automatically when the contract between KBC Bank NV and the insurer is terminated.
• Belgian law applies.
• This insurance is a class 16 product (financial loss insurance).
• For a quote, please contact your KBC insurance intermediary.

Protect your purchases with a Gold Mastercard from KBC

• Extended warranty: this cover adds a further two years to the two-year warranty required by law.
• Purchase protection: this cover protects your purchases against accidental damage and aggravated theft (involving violence or forced entry) for up to 90 days after purchase. For example: don’t worry if you buy an expensive jumper and tear the sleeve a week later on a door handle, that’s covered too.

What’s excluded?

• Damage caused intentionally by you
• Ordinary wear and tear

Good to know

• The insurance is offered 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.
  
• The conditions of insurance cover are available under 'Learn more' (at www.kbc.be/en/gold) and from any KBC Bank branch. The applicable general conditions alone determine your right to compensation from the insurer.
• You can submit any advertising complaints you may have by e-mailing complaints@kbc.be, tel. 016 43 25 94 or ombudsman@ombudsfin.be, www.ombfin.be. You can submit any insurance complaints you may have by e-mailing info.be@thewarrantygroup.com or info@ombudsman.as (www.ombudsman.as).
• You must register for the insurance policy in order to benefit from its cover. Signing up is free of charge. You can submit a claim under the insurance as long as your credit card is active and you have paid the card fee. The insurance ends automatically when the contract between KBC Bank NV and the insurer is terminated.
• Belgian law applies.
• This insurance is a class 16 product (financial loss insurance).
• For a quote, please contact your KBC insurance intermediary.

A Gold Mastercard from KBC has a standard spending limit of 5,000 euros a month. You can use the KBC Mobile app or KBC Touch to raise your maximum limit in real time for one month (excluding credit cards with a KBC Flex Budget facility).

Your credit card spending is generally deducted from your account in one go in the next month. If you want to spread your repayments over several months, link your KBC credit card to a KBC Flex Budget facility. This extra cash reserve can be repaid at your own pace. In exchange for a certain rate of interest, you choose how much you pay off every month.

Learn more about a KBC Flex Budget facility.

There’s always a chance you can’t go on holiday or you have to interrupt it because of troubles at home such as a member of your family being admitted to hospital. This travel cancellation insurance covers the costs of cancelling personal trips that you have paid for using a KBC payment method. If you’re already on holiday and have to return early, you’ll receive compensation for the number of days’ holiday you miss. You are covered for claims of up to 10,000 euros.

What’s excluded?

• Cancellations or interruptions due to non-stable medical disorders or injuries that already existed when the trip was booked
• Claims that are the result of an excessive use of alcohol or medication or drugs, which were not prescribed by a doctor

Good to know

• Travel Cancellation Insurance is 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
• The conditions of insurance cover are available under 'Learn more' (at www.kbc.be/en/platinum) and from any KBC Bank branch. The applicable general conditions alone determine your right to compensation from the insurer.
• You can submit any advertising complaints you may have to complaints@kbc.be, tel. 016 43 25 94 or ombudsman@ombudsfin.be, www.ombfin.be. You can submit any insurance complaints you may have to complaints@kbc.be, tel. 016 43 25 94 or info@ombudsman-insurance.be,  www.ombudsman-insurance.be.
• You must register for the insurance policy in order to benefit from its cover. Signing up is free of charge. You can submit a claim under the insurance as long as your credit card is active and you have paid the card fee. The insurance ends automatically when the contract between KBC Bank NV and the insurer is terminated.
• Belgian law applies.
• This insurance is a class 16 product (financial loss insurance).
• For a quote, please contact your KBC insurance intermediary.

If your flight is delayed by more than four hours, flight delay insurance covers you for expenses incurred for food and drink or additional overnight accommodation for up to 150 euros per person. 

Exclusions include:

• Delays due to a protest, strike or trade union action
• Situations where equivalent alternative transport was available

Good to know

• Additional Expense for Flight Delays & Missed Connections Insurance is 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
• The conditions of insurance cover are available under 'Learn more' (at www.kbc.be/en/platinum) and from any KBC Bank branch. The applicable general conditions alone determine your right to compensation from the insurer.
• You can submit any advertising complaints you may have to complaints@kbc.be, tel. 016 43 25 94 or ombudsman@ombudsfin.be, www.ombfin.be. You can submit any insurance complaints you may have to complaints@kbc.be, tel. 016 43 25 94 or info@ombudsman-insurance.be,  www.ombudsman-insurance.be.
• You must register for the insurance policy in order to benefit from its cover. Signing up is free of charge. You can submit a claim under the insurance as long as your credit card is active and you have paid the card fee. The insurance ends automatically when the contract between KBC Bank NV and the insurer is terminated.
• Belgian law applies.
• This insurance is a class 16 product (financial loss insurance).
• For a quote, please contact your KBC insurance intermediary. 

If your baggage has gone missing when you arrive, lost baggage insurance covers you for expenses incurred for urgent purchases of necessary replacement clothing and toiletry articles. Depending on the situation, you’ll be entitled to compensation of 250 euros. If the delay exceeds 48 hours, the compensation of 250 euros is increased by 500 euros.

Exclusions include:

• Uncollected baggage
• Baggage checked in too late

Good to know

• Urgent Purchases for Delayed Baggage Delivery Insurance is 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
• The conditions of insurance cover are available under 'Learn more' (at www.kbc.be/en/platinum) and from any KBC Bank branch. The applicable general conditions alone determine your right to compensation from the insurer.
• You can submit any advertising complaints you may have to complaints@kbc.be, tel. 016 43 25 94 or ombudsman@ombudsfin.be, www.ombfin.be. You can submit any insurance complaints you may have to complaints@kbc.be, tel. 016 43 25 94 or info@ombudsman-insurance.be,  www.ombudsman-insurance.be.
• You must register for the insurance policy in order to benefit from its cover. Signing up is free of charge. You can submit a claim under the insurance as long as your credit card is active and you have paid the card fee. The insurance ends automatically when the contract between KBC Bank NV and the insurer is terminated.
• Belgian law applies.
• This insurance is a class 16 product (financial loss insurance).
• For a quote, please contact your KBC insurance intermediary. 

If the car you hired abroad has been damaged or stolen, hire car excess insurance repays you the excess that the rental company’s car insurer charges you.

Exclusions include:

• Travel warnings issued for your destination at the start of the trip
• Trailers

Good to know

• Hire Car Excess Insurance is 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
• The conditions of insurance cover are available under 'Learn more' (at www.kbc.be/en/platinum) and from any KBC Bank branch. The applicable general conditions alone determine your right to compensation from the insurer.
• You can submit any advertising complaints you may have to complaints@kbc.be, tel. 016 43 25 94 or ombudsman@ombudsfin.be, www.ombfin.be. You can submit any insurance complaints you may have to complaints@kbc.be, tel. 016 43 25 94 or info@ombudsman-insurance.be,  www.ombudsman-insurance.be.
• You must register for the insurance policy in order to benefit from its cover. Signing up is free of charge. You can submit a claim under the insurance as long as your credit card is active and you have paid the card fee. The insurance ends automatically when the contract between KBC Bank NV and the insurer is terminated.
• Belgian law applies.
• This insurance is a class 16 product (financial loss insurance).
• For a quote, please contact your KBC insurance intermediary.

Protect your purchases with a Platinum Mastercard from KBC

• Extended warranty: this cover adds a further two years to the two-year warranty required by law.
• Purchase protection: this cover protects your purchases against accidental damage and aggravated theft (involving violence or forced entry) for up to 90 days after purchase. For example: don’t worry if you buy an expensive jumper and tear the sleeve a week later on a door handle, that’s covered too.

What’s excluded?

• Damage caused intentionally by you
• Ordinary wear and tear

Good to know

• The insurance is offered 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.
  
• The conditions of insurance cover are available under 'Learn more' (at www.kbc.be/en/platinum) and from any KBC Bank branch. The applicable general conditions alone determine your right to compensation from the insurer.
• You can submit any advertising complaints you may have to complaints@kbc.be, tel. 016 43 25 94 or ombudsman@ombudsfin.be, www.ombfin.be. You can submit any insurance complaints you may have to info.be@thewarrantygroup.com or info@ombudsman-insurance.be,  www.ombudsman-insurance.be.
• You must register for the insurance policy in order to benefit from its cover. Signing up is free of charge. You can submit a claim under the insurance as long as your credit card is active and you have paid the card fee. The insurance ends automatically when the contract between KBC Bank NV and the insurer is terminated.
• Belgian law applies.
• This insurance is a class 16 product (financial loss insurance).
• For a quote, please contact your KBC insurance intermediary.

This cover provides you with additional protection for online purchases in the EU or US. If the refrigerator you buy online is damaged on delivery or the wrong product is delivered and the supplier refuses to accept responsibility, we’ll make sure that you get your money back.

Be careful with online stores offering products at very low prices; they’re often not to be trusted. Check the accreditation of unknown online stores to see whether they are trustworthy and read their customers reviews.

What’s excluded?

• Damage caused intentionally by you
• Hidden defects

Good to know

• Online Purchase Protection Insurance is 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
• The conditions of insurance cover are available under 'Learn more' (at www.kbc.be/en/platinum) and from any KBC Bank branch. The applicable general conditions alone determine your right to compensation from the insurer.
• You can submit any advertising complaints you may have to complaints@kbc.be, tel. 016 43 25 94 or ombudsman@ombudsfin.be, www.ombfin.be. You can submit any insurance complaints you may have to complaints@kbc.be, tel. 016 43 25 94 or info@ombudsman-insurance.be,  www.ombudsman-insurance.be.
• You must register for the insurance policy in order to benefit from its cover. Signing up is free of charge. You can submit a claim under the insurance as long as your credit card is active and you have paid the card fee. The insurance ends automatically when the contract between KBC Bank NV and the insurer is terminated.
• Belgian law applies.
• This insurance is a class 16 product (financial loss insurance).
• For a quote, please contact your KBC insurance intermediary. 

If your buy tickets to a sporting event or concert, but are unexpectedly sick, this insurance reimburses you for the unused tickets for up to 500 euros.

What’s excluded?

• Exchangeable tickets
• Season tickets

Good to know

• Admission Ticket Cancellation Insurance is 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
• The conditions of insurance cover are available under 'Learn more' (at www.kbc.be/en/platinum) and from any KBC Bank branch. The applicable general conditions alone determine your right to compensation from the insurer.
• You can submit any advertising complaints you may have to complaints@kbc.be, tel. 016 43 25 94 or ombudsman@ombudsfin.be, www.ombfin.be. You can submit any insurance complaints you may have to complaints@kbc.be, tel. 016 43 25 94 or info@ombudsman-insurance.be,  www.ombudsman-insurance.be.
• You must register for the insurance policy in order to benefit from its cover. Signing up is free of charge. You can submit a claim under the insurance as long as your credit card is active and you have paid the card fee. The insurance ends automatically when the contract between KBC Bank NV and the insurer is terminated.
• Belgian law applies.
• This insurance is a class 16 product (financial loss insurance).
• For a quote, please contact your KBC insurance intermediary.

The standard spending limit is set at 7,500 euros and we can always discuss any higher limit you might feel the need for.

If you want to spread your repayments over several months, your KBC Platinum Credit Card is linked to a KBC Flex Budget. This extra cash reserve can be repaid at your own pace. In exchange for a certain rate of interest, you choose how much you pay off every month.

Learn more about a KBC Flex Budget