Unauthorised use of the insured debit card

• Following the loss, theft, burglary or robbery of the insured debit card, occurring up to 120 hours before the card is blocked.
• Benefit limit: up to EUR 2,000.

Electronic payment fraud

• Following card data theft or unauthorised access to the insured person's digital payment instruments.
• Benefit limit: up to EUR 2,000.

Robbery of cash withdrawn by the insured person

• Cash withdrawn using the insured debit card from an ATM or POS terminal, where the robbery occurs within 12 hours of the transaction.
• Benefit limit: up to EUR 2,000.

Loss or theft of insured personal or business belongings

• Following theft, burglary, robbery or loss.
• Covers personal belongings (such as a bag, wallet, documents, keys, glasses and cosmetics) and portable electronic devices (including a laptop, tablet, mobile phone, e-reader and smartwatch).
• Benefit limit: up to EUR 2,000, or up to EUR 200 for selected items.

Online purchases

• Covers financial losses resulting from non-delivery, incorrect delivery or delivery of defective goods.
• Benefit limit: up to EUR 2,000, or up to EUR 200 for selected purchases.

Theft of cash from the insured person

• Covers the theft, burglary or robbery of cash and/or vouchers, where the time and source of withdrawal cannot be evidenced but the incident is certified by the competent authorities of the Bulgarian Ministry of Interior.
• Benefit limit: up to EUR 100.

Replacement of a lost or stolen insured debit card

• Following theft, burglary, robbery or loss, even where no fraudulent use has occurred.
• Covers all card replacement fees, including express replacement.

If you have a Cardif Bulgaria insurance policy and an insured event occurs, follow these steps:

Step 1: Contact Cardif Bulgaria

Call the Cardif Bulgaria Contact Centre on +359 2 4915 974 or visit the Cardif Bulgaria office at:

29A Hristo Belchev Street, Entrance A, Floor 1, Sofia

Report the incident and provide the Cardif Bulgaria representative with complete and accurate information about the insured event.

Step 2: Complete the claim documentation

Complete the Insurance Claim Notification Form and prepare all supporting documents requested by Cardif Bulgaria.

Further information is available on the Cardif Bulgaria website at www.bnpparibascardif.bg or by calling the Contact Centre.

Step 3: Submit your documents

You can submit your claim documents in any of the following ways:

• By courier
• By registered mail via Bulgarian Posts
• In person at the Cardif Bulgaria office

What happens next?

Cardif Bulgaria will:

• register your insurance claim and assess the information provided;
• contact you by phone and/or in writing if additional documents or information are required;
• review your claim and notify you of its decision in writing or by SMS within 15 days of receiving all required documentation.

If you have any questions regarding your claim, please contact the Cardif Bulgaria Contact Centre or visit the Customer Service Centre on business days between 9:00 a.m. and 5:30 p.m.

Telephone: +359 2 4915 974
Email: cardifbulgaria@cardif.com