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Credit Card Purchase Insurance
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A private customer’s credit card includes a purchase insurance. The insurance service is provided by PZU Kindlustus.
- Purchase insurance insures durable goods purchased new at stores and online, which have been paid using a credit card issued by SEB or a card account.
- Purchase insurance insures durable goods with a purchase price of at least 100 euros and a service life determined by the manufacturer for at least 3 years.
- For purchases made before 1 June 2026, insurance coverage is valid for 180 days from the date of receipt of the goods or from the purchase date.
- For purchases made on or after 1 June 2026, insurance coverage is valid for 270 days from the date of receipt of the goods or from the purchase date.
Sums insured and deductible:
- Single item up to 1000 euros
- One insured event up to 2000 euros
- One year up to 4000 euros
- Items with limited compensation* up to 400 euros
- Deductible for each insured event is 50 euros
*Computers, computer parts and external devices; mobile phones; glasses, including sunglasses; watches; unique items, jewellery (including precious stones, precious metals and pearls); fur items.
Important
Read the purchase insurance information document, which provides an overview of the insurance service, as well as PZU general terms and conditions of insurance contracts and the terms and conditions of purchase insurance OK100/2026, which provides a complete overview of the terms and conditions of the insurance contract, the sums insured, the indemnity limits and the restrictions and exclusions applicable to the insurance contract.
NB! For purchases made before 01 June 2026, the purchase insurance terms and conditions OK100/2024 apply.
In case of an insured event, submit a claim notice on PZU self-service.
In addition to the claim notice, you must submit to PZU Kindlustus:
- a document certifying the purchase or provide information related to the payment, showing the name of the goods, the date of purchase (or the date of receipt of the goods) and the cost of the goods; and
- a digitally signed statement of the credit card or card account certifying that the payment was made with SEB credit card or from a card account.
Read more about submitting the claim
PZU Kindlustus is the Estonian Branch of the Lithuanian insurance company AB Lietuvos draudimas, which is a part of the international PZU Group and uses the PZU trademark in Estonia.
