Insurance of Personal Belongings and Cards

„I haven’t given it much thought before. But they are the most valuable things I have.“

Certainty around the world

The insurance is valid at home and abroad. You will receive the benefit no matter where the insured event occurred.

No worries if your card is lost or stolen

The insurance will protect you against the unauthorised use of your payment card if it is lost or stolen. It also covers unauthorised PIN-less or online transactions.

Compensation for stolen items

With Insurance of Personal Belonging and Cards you’ll get back what you lost.

Our insurance will help you in these situations the world over:

  • If you lose your card and documentation
  • If you lose your keys, glasses
  • If you lose your mobile phone, notebook, camera
  • If you are mugged
  • If your cottage or car is burglarised

Choose an option that suits you best

Insurable risk Standard Plus
Unauthorised PIN-less transaction No limit No limit
Unauthorised online transaction No limit No limit
Unauthorised transaction with PIN (all the insured individual’s private ČS cards are covered) CZK 70 000 CZK 100 000
Theft of cash (within 48 hours of withdrawal) from wallet or carry-on bag CZK 4 000 CZK 6 000
Forced theft of cash (within 12 hours of withdrawal), withdrawal of cash under threat of violence CZK 30 000 CZK 45 000
Issuance of new card
Loss and theft:
Wallet, carry-on bag, house keys, personal documentation, inhaler, car keys, glasses (prescription glasses, sunglasses)
Mobile telephone, unauthorised use of mobile phone, small certificate of roadworthiness, public transit card, hearing aid, electronic book reader, MP3/MP4 player, perfume, meal vouchers, prescription medication
Notebook, tablet, camera, watch/smart watch, jewellery CZK 45 000
Monthly fee CZK 49 CZK 89

Do you have a Personal Account or credit card with us? Arrange insurance that becomes valid at midnight the same day.

Tip: You can also arrange insurance for your children of they have an account with us.

Arrangement options

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By telephone

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At a branch

Search for Česká spořitelna branch in your area.

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Frequently asked questions

Insurance can be arranged by the owner or authorised user of a private personal account or the owner of a credit card. Insurance can also be arranged for children with an account at our bank.

The insurance fee is deducted from your account or credit card automatically each month. You do not have to submit a payment order.

The insurance does not cover:

  • Damage caused by insurance fraud or neglect
  • Theft of a notebook or tablet from a car park in an unsecured area between 10 p.m. and 6 a.m.
  • Personal belongings that are more than three years old.

A complete list of all events that the insurance does not cover can be found in the Master Agreement and the Insurance Terms and Conditions.

Important documents

Česká spořitelna
Bankovnictví budoucnosti.