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PERSONAL LOAN INSURANCE

Personal insurance

Assurance de votre prêt personnel

When life presents you with unforeseen circumstances your Personal loan insurance protects you throughout the term of your loan.(1)

  • Complete coverage

(1) Within the limits of and according to the terms and conditions set forth in the Notice.

In detail

case management

your consumer loan(1)you are insured with peace of mind

Vehicle purchase, work/repairs, studies, etc. Some projects can be more or less of a long-term commitment.
All or part of your monthly loan payments are made(1) in the event of total temporary incapacity to work or loss of employment.
The outstanding capital is paid(1) in the event of decease or disability (total and irreversible loss of independence).

(1) Within the limits of and according to the terms and conditions set forth in the Notice.

Access to credit

simplified stepsA simple medical route

Usually a simple declaration of health status is sufficient.
Based on your age and your insured capital, additional examinations may be required.
Your route is made easier in our approved centers: use our geolocation tool for quick selection of your examination center.
We handle the sending of the results, and there are no upfront fees to be paid.

Cost advantage

Your loyalty is RECOGNIZED PREMIUM FOR THE SECOND INSURED INDIVIDUAL

A reduction of 20% applies for the second insured individual, to 100% on the same loan.

Further details

detailed characteristics of

PERSONAL LOAN INSURANCE

Download the pdf

  • eligibility
  • coverage
  • medical exams
  • your rate
  • Glossary
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Eligibility

Any private individual 18-75 years of age (on subscription date(1)) can sign up for the Personal loan insurance (insured individuals under the AERAS agreement must be less than 51 years of age when subscribing). They must reside in a State that is part of the European Economic Area or the Principality of Monaco.

(1) Subject to the insurer's acceptance of the risk in view of the medical exams.

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FAQ ()

  • How does loss of employment work?
  • The Loss of Employment policy takes effect 180 days after the effective sign-up date of all other policies. The policy offers compensation(1) starting on the 91st day following the 1st day that the Pôle Emploi pays compensation, for a period of up to 24 months, in one or more claims.

    (1) Within the limits of and according to the terms and conditions set forth in the Notice.
  • I hold a non-life and casualty insurance policy with my employer, and will not suffer reduced income in the event of long-term sick leave!
  • A borrower Insurance policy takes on your monthly payments(1), notwithstanding your income (flat-rate compensation); you are also exempt from insurance fees as long as work disability is taken care of.

    (1) Within the limits of and according to the terms and conditions set forth in the Notice.
  • What if I resume working part-time?
  • We continue covering(1) you on a 50% basis, in the event that you resume working part-time, following work disability.

    (1) Within the limits of and according to the terms and conditions set forth in the Notice.
  • What factors are considered with regard to the medical checks?
  • The level of the medical checks to be conducted depends on the accumulated capital that is insured under the present policy and the outstanding capital under the other loan insurance taken out with BNP Paribas, the list of which is shown below:
    • - AXA France LIFE 3737/3913
    • - GAN 23979/423979
    • - Natio Vie
    • - CARDIF Life Insurance 4208, 4210, 4216, 4216-462, 2090/463, 2409/592, 2443/643, 2456/654.

In addition

  • Prêt diversLoansMISCELLANEOUS LOANA personal loan to help you achieve all of your goals.
  • Protection accidents de la viePersonal insurancePERSONAL ACCIDENT INSURANCECovers you and your family in the event of accidents that may occur in your daily life.
  • Protection EpargnePersonal insuranceSAVINGS INSURANCEDiscover our line of insurance that covers your BNP Paribas accounts and livrets.

Have a question?

Our advisors are here to assist you.


Contact us


For assistance or to make a claim/contest a charge, your advisor can be reached on their direct line (a standard rate call).

BNP Paribas, limited liability company with capital of €2,492,770,306 – Headquarters: 16 boulevard des Italiens, 75009 Paris. Registered with the Paris RSC (Trade and Companies Registry) as No. 662 042 449 – EU VAT identification No. FR76 662 042 449 – ORIAS No. 07 022 735.

Cardif Assurance Vie, limited company with a capital of €717,559,216 – registered with the Paris RCS (Trade and Companies Registry) as No. 732 028 154 – regulated by the French Insurance Code – Headquarters: 1 boulevard Haussmann, 75009 Paris – Offices: 8 rue du Port, 92728 Nanterre Cedex, France – Tel. 01 41 42 83 00

Cardif Assurances Risques Divers, limited company with a capital of €16,875,840 – registered with the Paris RCS (Trade and Companies Registry) as No. 308 896 547 – regulated by the French Insurance Code – Headquarters: 1 boulevard Haussmann, TSA 93000, 75318 Paris – Offices: 4 rue du Port, 92728 Nanterre Cedex