Consors Finanz review

Updated September 28, 2026 · AssureCue Editorial Team · Facts checked September 26, 2026

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Our verdict

Consors Finanz is a German broker rather than an insurer, and it suits borrowers who want cover arranged alongside a loan or credit card balance. The niche that sets it apart is a policy set running since 2001, with balance protection on death and serious illness and vehicle cover alongside it.

Key facts

Best for
Borrowers and vehicle riders who want their cover placed by a broker.
Insurance types
Auto, Motorcycle, Gadget, Income-protection, Critical-illness (Source, checked September 26, 2026)
Provider type
Broker (Source, checked September 26, 2026)
Excess from
€0 (Source, checked September 26, 2026)
Cover limit
Sorglospaket Restschuldversicherung: up to 175,000 EUR outstanding loan balance on death and on serious illness for loan customers; up to 20,000 EUR outstanding credit-card balance (Source, checked September 26, 2026)
Claims channels
Phone, Contact-form, Customer-portal (Source, checked September 26, 2026)
Legal entity
BNP Paribas S.A. Niederlassung Deutschland (Source, checked September 26, 2026)
Headquarters
Germany (Source, checked September 26, 2026)
Founded
2001 (Source, checked September 26, 2026)
Support channels
Email, Phone, Help-centre (Source, checked September 26, 2026)
Official website
consorsfinanz.de

Apps and profiles

Get the app
App StoreGoogle Play
Elsewhere
WikidataWikipediaLinkedInxing.com

Pros and cons

Pros

  • Vehicle cover excess starts at €0 on the auto and motorcycle policies.
  • Auto, motorcycle, gadget, income protection and critical illness cover all sit under auto, motorcycle and gadget.
  • The Sorglospaket Restschuldversicherung covers an outstanding loan balance on death and on serious illness for loan customers, and an outstanding credit card balance.
  • The operation is a named German company, BNP Paribas S.A. Niederlassung Deutschland, with a listed intermediary registration, 07022735.

Cons

  • The broker record covers the intermediary rather than the risk carrier, so the underwriter stays unnamed until a policy is issued.
  • Cover stops at auto, motorcycle and gadget, so home, travel, pet and life policies have to come from another provider.
  • Support runs on email, phone and help centre, so there is no live chat for a quick answer.
Consors Finanz

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Scored 9.2 / 10 by AssureCue.

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Who it suits

  • Borrowers with an existing loan or credit card balance who want it protected on death or serious illness.
  • Car and motorcycle owners who would rather have a broker place the cover than approach an insurer directly.

Who should look elsewhere

  • Readers after home or renters cover should look at Hiscox UK, which lists home, renters and landlord policies in home, renters and landlord.
  • Life, health, pet and travel sit with Good Sam Insurance Agency, whose range in auto, home and renters includes those lines.

Safety and regulation

Consors Finanz is a broker, not the insurer that carries the risk, so the contract sits with a separate provider and the broker's own regulatory record is what you can check. The intermediary registration is listed with the ORIAS (French insurance intermediary register) under 07022735. That register covers the intermediary side, not the solvency of whoever underwrites the policy.

Who runs it

The operating company is BNP Paribas S.A. Niederlassung Deutschland, headquartered in Germany, and the business dates back to 2001. Support runs on email, phone and help centre, so help is available by phone, by email and through a help centre. The French intermediary registration is listed under 07022735 against the same operation.

How Consors Finanz compares

Where Consors Finanz is available

Available
France, Germany
Licence in France
ORIAS (French insurance intermediary register) (07022735), checked September 26, 2026
Licence in France
ACPR (Autorité de contrôle prudentiel et de résolution), checked September 26, 2026
Licence in Germany
Bundesanstalt für Finanzdienstleistungsaufsicht (BaFin), checked September 26, 2026
Licence in Germany
European Central Bank, checked September 26, 2026

Countries from the brand (Source, checked September 26, 2026)

Frequently asked questions

What does it cost to make a claim on a vehicle policy?+

Vehicle cover carries an excess starting at €0, so a car or motorcycle claim can be paid in full up to the limit. The figure sits on the auto and motorcycle policies in auto, motorcycle and gadget. Gadget, income protection and critical illness cover are arranged under the same broker, each priced separately.

Is Consors Finanz the insurer, or does it sell cover from someone else?+

It sells rather than carries. The operation is listed as a broker, which means a provider underwrites the policy and Consors Finanz arranges it for the customer. The named company is BNP Paribas S.A. Niederlassung Deutschland in Germany. Ask which provider underwrites before you sign if the risk carrier matters to you.

Which regulator records the broker?+

The intermediary registration is listed with the ORIAS (French insurance intermediary register) under 07022735. A registration of that kind covers the intermediary, so it confirms the broker may place cover. It says nothing about the financial strength of the insurer standing behind the policy.

Who is this broker actually for?+

Borrowers who already hold a loan or a credit card with the lender. The Sorglospaket Restschuldversicherung covers the outstanding loan balance on death and on serious illness for loan customers, and it covers an outstanding credit card balance too. The vehicle range in auto, motorcycle and gadget can sit on the same arrangement.

What kinds of policy can I buy here?+

Auto, motorcycle, gadget, income protection and critical illness, all within auto, motorcycle and gadget. Vehicles and protection cover are the core of the range, and the balance protection package is aimed at loan customers. Readers after home, travel, pet or life policies are looking outside this set of lines.

How do I get help or start a claim?+

Support runs on email, phone and help centre, so email, phone and a help centre are all open to you. Claims can be raised on phone, contact form and customer portal, which adds a contact form and a customer portal to the phone line. A claim can therefore be logged in the portal or made by phone, without a written letter.

Sources

Compiled from 9 source pages, checked September 26, 2026. We did not open an account.

Not confirmed yet: Premium from, Monthly payments.

Consors Finanz

Consors Finanz

Borrowers and vehicle riders who want their cover placed by a broker.

9.2/10See alternatives

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