Property insurance (PAD and optional)

In short

It's great to know that, whatever happens, the space that shelters you is also, in turn, protected from unforeseen situations.

Thus, we came to create an accessible and flexible solution for you and your home: property insurance.

Consult the Register of affiliated insurance subagents

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Good to know

For properties intended for residential use, purchased through credit or used to guarantee loans granted by us, it is mandatory to conclude an optional home insurance and a disaster insurance policy (PAD).

How does it work?

Before concluding such an insurance, you also need to know a few important things:

Optional insurance covers material damages caused by events that harm your home
Additionally, the facultative policy covers: civil liability and property insurance
The insured amount is exactly the assessed value of the insured property
The insured amount, the insurance premium and the compensation are set in the currency of the granted loan
PAD policy covers risks caused by natural phenomena, such as earthquakes, landslides, or floods

Costs

The insurance premium for the optional policy is calculated by applying the rate of 0.12% to the market value of the property
Optional insurance can be paid monthly, quarterly, semiannually, or annually, in the currency of the loan
The cost of the PAD policy is 130 Lei with a validity of one year, payment being made in full upon issuance of the policy

How do you get insurance?

The insurance for the mortgage loan is available exclusively in BT units.

You can only take out this type of insurance (offered together with Groupama) if you have taken out a mortgage loan from BT.

Schedule directly in a BT unit.

See the list of BT units