BNP Paribas Cardif products

Creditor Protection Insurance provides financial support to bank's customers during the entire validity period of the credit contract in case of specific events like: temporary disability, total and permanent disability, death and involuntary unemployment. This product is suitable for personal loan, auto loans, mortgage loans and credit cards.

Creditor Protection Insurance is distributed by banks and non-bank financial institutions, offering the following advantages for both debtor and creditor:

  • BNP Paribas Cardif reimburses the monthly loan instalments to the bank or NFI, in case of temporary disability or involuntary unemployment;
  • BNP Paribas Cardif reimburses the outstanding balance of the loan to the bank or NFI, in case of total and permanent disability or death.

Bill Protection provides financial support to bank's customers in covering the monthly bills (electricity, gas, phone, heating) in case of specific events like: death, unemployment, temporary or total incapacity to work. This product is appropriate for customers who receive their monthly salary in current accounts opened with the banks from the Romanian banking system.

Shopping basket provides financial support to bank's customers in covering the monthly expenses related to the amounts paid by customers in hypermarkets, in case of specific events like: death, unemployment, temporary or total incapacity to work. Shopping basket can be attached to cards issued by banks or to loyalty cards issued by Retailers.

Payment Instrument Protection provides reasons for the bank's customers to feel more confident using payment instruments such as debit or credit cards. Payment Instrument Protection refers to purchase protection, personal belongings protection in case of theft, fraudulent use, ATM mugging, price protection, internet delivery, keys/locks and documents protection.

Extended Warranty means free repair services or replacement of the brown and white appliances in case of mechanical / electrical / electronically breakdown, after the warranty of 2/3 years offered by the producer expires. The extended warranty insurance policy can also cover theft and accidental damage. BNP Paribas Cardif has partnerships with service networks at a national level with the purpose of providing complete repairing services to the extended warranty policy buyers.

GAP is an insurance product solution aiming to reduce the financial losses in case of theft or total destruction of the financed car. GAP is a complementary product to CASCO, providing protection for vehicles up to 3.5 tons. In case of total destruction of the vehicle or its robbery, the owner of the car will receive a financial compensation equal to the difference between the CASCO indemnity and the purchase value. GAP was created to be attached to auto loans and leasing contracts.

Extended Warranty is an insurance product to be offered to all bank's customers having a leasing contract. The risks covered are: Hospitalization, Temporary Disability, Total & Permanent Disability and Death, all due to a traffic accident.

Mobile Devices Insurance (laptops, tablets, modems) offers free repair services or replacement in case of accidental damage and theft for all the nomad appliances in the household.

Travel Insurance is a comprehensive package of services including emergency medical treatment and transport, assistance when traveling abroad, compensations in case of unpleasant events (delayed flights, lost of luggage, keys, etc.) and personal liability to third parties.