BNP Paribas Cardif DE review

The published range is auto, motorcycle and income protection. That is motor and motorcycle cover, income protection for a loss of earnings and gadget cover, all underwritten by the company itself rather than placed through a broker. Property and life lines are not part of that list.

Policies are written by Cardif Allgemeine Versicherung, the German branch of Cardif-Assurances Risques Divers S.A. It trades as an insurer in Germany, so the name on the paperwork is the branch rather than the parent company.

Claims can be started through online claims portal (MyCardif) and phone. The MyCardif portal handles the online route, and phone covers anyone who would rather talk the details through, which is enough for most motor and gadget losses.

Support runs on phone, email and help centre. Phone suits anything urgent, email takes documents you need to send over, and the help centre answers policy questions in your own time. All of it sits with the insurer, so there is no separate administrator to chase.

Yes, in DE the regulator is Bundesanstalt fuer Finanzdienstleistungsaufsicht (BaFin). Because insurer applies, the same company writes the policy, handles the claim and pays out, rather than passing the risk to another firm.

No broker sits in between. The provider is an insurer, so the policy is underwritten by the company named on the documents, and support contacts run through phone, email and help centre rather than a third-party desk.

It fits people in DE who want car or motorcycle cover, plus income protection, held by the same provider. auto, motorcycle and income protection is the full list, so check it against what you actually need before you start.

Those lines sit elsewhere. Hiscox UK lists home, renters and landlord and Euroasia Insurance lists auto, home and travel, while this provider works from auto, motorcycle and income protection, so property buyers should compare those names first. Good Sam Insurance Agency is another option when life or health cover is the priority, with auto, home and renters on its list.