The insurance

is voluntary and has no impact on credit decision.

The insurance premium

depending on the selected option, amounts from 1.6% to 3.2% of the total loan amount for every year of coverage.

The scope of coverage

depends on the age of the person concluding the Insurance Agreement and it occurs in two options; in the standard option - also for persons over 65 years of age.

The scope of coverage may include:

life insurance, temporary inability to work for occupationally active persons or hospitalization for other persons.

Important informations

Safe Installment Payments is an individual insurance proposition provided by Nationale-Nederlanden Towarzystwo Ubezpieczeń na Życie S.A. with registered seat in Warsaw at 12 Topiel Street, 00-342 Warsaw.

Insurance cover under the Safe Installments insurance is provided by Nationale-Nederlanden TUnŻ S.A.

Detailed information about the product along with a full list of insurer's liability exclusions can be found in the “General Terms and Conditions of Safe Installment Payment Insurance” available in the “Important Documents” section below and in branches.

The Safe Installments insurance contract is concluded by the Customer with the insurer through the Bank.

The Bank Handlowy w Warszawie S.A. with its registered office in Warsaw at 16 Senatorska Street acts as an insurance agent performing agency activities for the following insurance companies:

  • MetLife Europe Insurance Designated Activity Company,
  • Towarzystwo Ubezpieczeń i Reasekuracji Warta S.A.,
  • Towarzystwo Ubezpieczeń na Życie Warta S.A.,
  • Europ Assistance SA - oddział w Irlandii,
  • Nationale-Nederlanden Towarzystwo Ubezpieczeń na Życie Spółka Akcyjna,
  • Aegon Towarzystwo Ubezpieczeń na Życie Spółka Akcyjna.

The Bank is entered under number 11120807/A in the register of insurance agents kept by the Polish Financial Supervision Authority.

The Client has the possibility to check the Bank's entry in this register via the website:

The Bank, during the processes of sale and handling of protective insurance, follows the principles set out in the “Recommended best practices in the Polish bancassurance market for unit-linked insurance products” issued by the Polish Bank Association.

This material is for advertising/marketing purposes and does not constitute an offer within the meaning of art. 66 of the Civil Code.