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) |
||
| Theft: 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
By telephone
Leave your contact details and we'll call you as soon as possible.
At a branch
Search for Česká spořitelna branch in your area.
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Frequently asked questions
Who can arrange insurance?
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.
How do I pay for the insurance?
The insurance fee is deducted from your account or credit card automatically each month. You do not have to submit a payment order.
What does the insurance not cover?
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.
