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klienditugi@cooppank.ee

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Coop Pank AS, Maakri 30, 15014 Tallinn, Registry code: 10237832, SWIFT/BIC: EKRDEE22

You are on the website of the companies Coop Pank AS and Coop Liising AS that provide financial services and the insurance marketing company Coop Kindlustusmaakler AS. Before committing to an agreement read the terms and conditions of the respective service and, if necessary, consult an expert. By continuing to use the site, you are agreeing to the terms and conditions of website use.

    Purchase insurance

    A mother with her two children is preparing food together in the kitchen. One of the children is surprised by something.

    Debit and credit card purchase insurance

    We dare to do things differently in Coop Pank. Ordinarily, purchase insurance is only offered to high-status clients or credit card holders – but we offer it, free of charge, to all of our private clients who make payments with a Coop Pank card! That means that all of the purchases you make between the values of €100 and €2500 are automatically covered with 180 days of insurance!

    Automatic and free

    Pay for your bigger purchases with a Coop Pank card and they’ll automatically be covered for a full six months!

    Quick and easy proof of purchase

    If you have to make an insurance claim, an overview of your card transactions from the Internet bank is all you need to prove the purchase.

    Minimal excess

    Whether your dog uses your glasses as a chew toy or you drop your phone on the ground, all you have to pay as excess when lodging an insurance claim is €30.

    Our clients’ experiences

    L

    I’d only had my new pair of glasses for three days when I somehow managed to scratch them. Thankfully I’d paid for them with my Coop card, so the purchase insurance it comes with covered the cost of replacing the lenses!

    Liisa

    Project manager

    M

    I was in the middle of a skydive when, at about 1700 metres up, my Action Cam decided it didn’t want to be with my Insta360 4K helmet anymore and plummeted to Earth. Coop’s purchase insurance helped me out big time.

    Mart

    IT expert

    A

    While I was putting the kids in the car, my two-year-old knocked my glasses onto the ground, where my four-year-old stepped on them almost instantly, breaking one of the lenses. Purchase insurance fixed that!

    Annika

    Retail worker

    M

    I was mowing the lawn at our new place when I ran straight into this pipe you couldn’t see that was poking up through the lawn. Needless to say it messed up the blades, which needed to be repaired. Coop’s purchase insurance came through for me.

    Marek

    Entrepreneur

    Lodge a claim

    Coop Pank’s purchase insurance partner is If P&C Insurance AS.

    To make sure your claim is handled as quickly as possible, lodge it with If directly. Add the word ‘Coop’ to the policy number field.

    A man stands at a kitchen counter holding a Coop Pank bank card and intently reading information from a laptop.

    Purchase insurance – good to know

    • Coop Pank’s purchase insurance applies to any durable goods* bought from a physical or online store whose purchase price is from €100-2500. The excess you pay if you lodge a claim is €30.

      *Durable goods are items for which the manufacturer foresees a long period of use:

      • mobile phones
      • tablets
      • laptops
      • clothes
      • shoes
      • electric scooters
      • precious stones and metals
      • leather goods
      • paintings
      • sculptures and more.

      They don’t include e.g. used items, foodstuffs, motor vehicles, plants or animals. Note that for certain goods (such as technical equipment) there is a maximum compensation amount of €500. View the terms and conditions of purchase insurance here.

    • Yes – pay for the purchase using your Coop Pank debit or credit card and your purchase will automatically be covered for 180 days.

    • Since our purchase insurance partner is IF P&C Insurance AS, , you should report the incident* here so that your claim is handled as quickly as possible. Be sure to add the word ‘Coop’ to the policy field.

      *By incident we mean an insured event, i.e. the sudden and unforeseeable destruction, damage or theft of the insured product. Losing a product or leaving it behind is not deemed an insured event.

    • No – an Internet bank statement serves as proof of purchase. View the terms and conditions of purchase insurance.

    • Damage to property
      Example: You buy your child a scooter using your Coop bankcard. They fall while riding it, breaking the bar and front wheel attachments. The insurance covers the repair costs, with you only having to pay the excess of €30.

      Destruction of property
      Example: The €450 mobile phone you’ve only just bought falls into the water when you’re fishing. There’s no way of restoring it, so the insurance covers the cost of replacing it to the same value, i.e. €420 (with the other €30 coming from your excess).

      Theft
      Example: While you’re on holiday, thieves steal everything from your car boot, including the new sunglasses you bought a month ago. Since they’re covered by purchase insurance, you get the original cost of them back minus the €30 excess you have to pay.

      Robbery
      Example: While at a nightclub, someone violently rips the handbag you bought just three months earlier out of your hands. The insurance covers the purchase price of the handbag, from which your excess of €30 is deducted.

      New items for which the cardholder paid in full using a valid Coop Pank card and that cost from €100 to €2500 are insured. An insured event is any incidence of theft, robbery, sudden and unforeseeable destruction of or damage to an item purchased with the card which is not excluded by the insurance contract.

    See all questions