How does my card insurance work?
Gabrielle avatar
Written by Gabrielle
Updated over a week ago

If you have a question about your insurance coverage, you can reach out to our insurance partner by:

- submitting a request here
- or by calling them at 📞 +33 9 71 07 28 38 (Monday through Friday, 9AM to 4PM).

Who is Qover?

Qover is the insurance provider - operating as an agent of the insurer. They arrange a group insurance policy for your benefit as a One, Plus or X cardholder. This policy is underwritten by AIG.

What is Caarl?

Caarl is an insurtech specialized in Legal Expenses Insurance and legal services. Caarl offer is available only for premium cardholders (PLUS and X cardholders) and allows you to book an online appointment with an expert lawyer to help you answer all your questions or solve a dispute. More details here.

What type of transactions are covered by my card insurance?

All cardholders of physical cards automatically have access to insurance coverage. Qonto card transactions are covered by the user’s active coverage at the time of payment.
For insurance to apply, coverage must be active at the time of the transaction, and at the time of the incident that led to the claim. Coverage applies to the One, Plus or X card, but varies depending on the card.

You can compare card coverage options here.

What is my coverage level if I have different cards?

If you have more than one physical card in your name, you will automatically have the highest level of insurance coverage.

For example: if you have a One card and an X card in your name, from the same organization, your insurance coverage is the one of the X card. All your card transactions are eligible for X insurance, whether with the One card or the X card.
When your X card expires, your coverage will downgrade to the One card’s coverage plan (unless you order the X card again).

Do I have insurance on the virtual cards?

There's no insurance coverage with virtual cards, online advertising and Instant cards.

However, if you also have a physical card in your name, you will benefit from its corresponding level of coverage for all your card transactions.

Card transactions – whether with the virtual, Instant or physical card – will also be covered by the insurance plan associated with the highest physical card in your name, from the same organization.

Can I pay an additional fee to get additional levels of insurance?

Today, if you want to get a better coverage for your card, you need to order a more premium card.

You can compare the different card insurance levels here , and choose the card with the level of insurance coverage that you want. If you have more than one physical card, you will automatically have the highest level of insurance coverage.

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