Like 60% of French people, you may not be aware of the existence of insurance linked to your bank card. Depending on the type of card and its range, they can provide different coverage.
Follow the full coverage
The 8 p.m.
You subscribe to several insurance policies, but did you know that your bank card already insures you against certain risks? No longer finding her car keys, Émilie Hérisson, who testifies in the TF1 news report above, discovered this device by chance a month ago. “I called my insurance to find out if it was covered… and it was covered by the credit card insurance”says the motorist.
His new keys at 300 euros were then fully covered by the insurance of his traditional bank card. A cover that no one had ever told him about. “We tend to apply for car insurance or home insurance, but not this type of credit card insurance,” Emilie reacts to our camera.
-
Read also
Funeral insurance: abuses and a lack of transparency highlighted by Fraud Repression
Most bank cards cover you for changing your lock after losing your key. But the most high-end cards also cover you for the modification or cancellation of a trip, the delay or cancellation of planes, the loss, theft or delay of luggage, or even against the consequences of a skiing accident.
With his Premium card, Bernard Rosset has benefited from reimbursement of plane tickets on several occasions. A service which now pushes him to waive optional travel insurance when booking. “When we travel, we take out insurance almost every trip. So it’s easy to decide ‘I won’t take out additional insurance, since my card covers me’, provided you have paid for your trip with this map”he explains in our report.
A lack of transparency from banks?
This coverage is unknown by 60% of French people. In his activity report 2023 the Insurance Mediation indicates that these insurances represented 4% of its damage insurance referrals. The organization calls for wearing “particular attention to customer information regarding bank card insurance”.
“Either people are not aware, and therefore they do not consume, or the guarantees are so restrictive that it does not work”points to TF1 Arnaud Chneiweiss, the Insurance Mediator. He advises reading your contract carefully when you sign up for a new card. He also recommends being vigilant regarding the different clauses in order to avoid any unpleasant surprises.
MT | Report Eva Huin, Erinna Fourny, Guillaume Aguerre
