In a context in which only 18% of the dwellings in Romania are insured through an optional policy, Transilvania Bank and Groupama se implică pentru a crește gradul de asigurare și pentru a încuraja educația financiară și digitală. De acum, toți clienții băncii, inclusiv cei care nu au împrumuturi ipotecare, pot încheia Home insurance from BT Pay, policy issued by Groupama, the leader in the insurance industry in Romania.

Extended coverage for homes, 100% online

• Insurance, which can be obtained through steps completed 100% online, can be concluded both by persons who own a property in Romania and by those who wish to insure the property, also in Romania, of another person. Due to this flexibility, the insurance solution is suitable even for Romanians in the diaspora.
  
  
• Insurance covers the most common risks that may affect the home, the belongings inside, and any damage caused to other people. Clients can add extra options, such as insurance for electrical, electronic, and household appliances to cover electrical damages, emergency technical assistance, or insurance for heating boilers.
  
  
• Mandatory PAD insurance (Disaster Insurance Policy) can be issued simultaneously with the voluntary insurance policy, also from BT Pay.
  
  
• The insurance cost is personalized, calculated based on the characteristics of the property and the chosen coverages. Payment can be made in full or in 6 or 12 installments, if made with a Star BT shopping card.
  
  
• The policy is valid for 1 year.
  
  

Fires, the main risk

Fires are the main risk, generating major losses for homeowners. 8 out of 10 of the largest damage files paid in the first 9 months of 2025 were for fire damage, over 1.3 million euros (approximately 6.9 million lei), according to National Union of Insurance and Reinsurance Companies of Romania.

BT – Groupama Partnership for Expanding Access to Insurance Solutions

We are expanding access to Groupama solutions to contribute to the formation of healthy financial behaviors and to bring insurance products closer to people - whether we talk about home insurance or travel insurance. BT Pay is an ecosystem where banking and insurance work together naturally and intuitively, eliminating traditional barriers such as distance, time, or complexity. We are pleased with the solid partnership with Groupama, thanks to which we bring insurance closer to people, regardless of the area where they live or their level of familiarity with financial products.

Oana Ilaș
Deputy General Director Retail Banking
Transilvania Bank

We and our partners from Banca Transilvania know that Romanians want simple products and services, easy to customize and purchase. That is why we are glad that, together, we can offer our customers a simple, fast, and secure option to purchase home insurance directly from the BT Pay application. Throughout our partnership, one based on common values and beliefs, we have together designed useful, accessible solutions and services that are adapted to everyday realities and the expectations customers have from the brands they believe in. We know that in today's digital landscape simplicity and security are essential, which is why this is more than a collaboration; it is our common commitment to provide relevant and modern experiences.

Călin Matei
General Director
Groupama

Romania is in first place in the European Union regarding the number of homeowners, approximately 94% of Romanians owning an apartment or a house, according to Eurostat (2025).

More details, in the articles Why it is worth having home insurance and when it helps you and Evolution of the real estate market.