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Credit protection insurance (CPI)

Credit protection insurance (CPI)

Credit protection insurance (CPI) is intended for all clients who are loan beneficiaries, and who wish to ensure regular payments of loan’s instalments in unforeseen circumstances. Regardless of whether it is a new loan or a loan in repayment, by contracting a  credit protection insurance policy, you protect yours  and the financial stability of your loved ones.

It is possible to contract a CPI policy both with new and loans in repayment, and the insured period is equal with the loan duration.

Wiener Städtische Insurance

Wiener Städtische Insurance

You can contract the CPI policy with new and existing cash and refinancing loans. In case of occurrence of the following insured risks, the insurance company will  repay the loan’s instalments according to the stated model:

  • Involuntary loss of employment – insurance covers up to four monthly loan instalments per insured case, i.e. a total of up to 12 monthly instalments during the insurance period;
  • Temporary inability to work (sick leave) – insurance covers up to four monthly loan instalments per insured case, i.e. a total of up to 12 monthly instalments during the insurance period;
  • Permanent disability of the insured person which is more than 50%  due to accident – insurance covers the remaining debt per loan;
  • Death due to accident – insurance covers the remaining debt per loan.

In case of occurrence of an insured risk, the insurance compensation  is paid to the current account of the beneficiary, who can use these funds for loan repayment. Insurance can be contracted by persons between 18 and 63 years.

Generali insurance

Generali insurance

Mortgage loan is an important decision in your life and a long-term project,  so it is important to have financial support in case of unforeseen circumstances - the CPI policy with mortgage loan enables regular payments of loan’s instalments . Policy can be contracted with new or mortgage loan in repayment, whose purpose is purchase of a new property, adaptation and renovation of the existing one or refinancing mortgage loan.

According to your needs, you can choose the Package 1 or Package 2, and premium payment can be monthly, annual or one-time.

The Package 1 covers the following risks:

  • Involuntary loss of employment – insurance covers up to six monthly loan instalments per insured case, i.e. a total of up to 18 monthly instalments during the insurance period for contracts of up to seven years, i.e. up to 36 monthly instalments during the insurance period for contracts of more than seven years
  • Temporary inability to work (sick leave) – insurance covers up to six monthly loan instalments per insured case, i.e. a total of up to 18 monthly instalments during the insurance period for contracts of up to seven years, i.e. up to 36 monthly instalments during the insurance period for contracts of more than seven years
  • Permanent disability of the insured person which is more than 50% due to an accident – insurance covers the remaining debt per loan;
  • Death due to an accident – insurance covers the remaining debt per loan.

 

The Package 2 covers the following risks:

  • Involuntary loss of employment – insurance covers up to six monthly loan instalments per insured case, i.e. a total of up to 18 monthly instalments during the insurance period for contracts of up to seven years, i.e. up to 36 monthly instalments during the insurance period for contracts of more than seven years
  • Temporary inability to work (sick leave) – insurance covers up to six monthly loan instalments per insured case, i.e. a total of up to 18 monthly instalments during the insurance period for contracts of up to seven years, i.e. up to 36 monthly instalments during the insurance period for contracts of more than seven years.

In case of occurrence of an insured risk the insurance compensation is paid to the current account of the beneficiary, who can use these funds for loan repayment Insurance can be contracted by persons of 18 years whereby the expiry of the insured period cannot be after the insured person turns 70.

List of branches

List of branches

List of branches that have advisors with license to sell insurance:

  • Arilje, Stevana Čolovića 2
  • Bački Petrovac, Maršala Tita 4
  • Bajina Bašta, Kneza Milana Obrenovića 22
  • Bečej, Novosadska 2
  • Bor, Đorđa Vajferta 3
  • Čačak, Kuželjeva 1
  • Čukarica, Požeška 128
  • Čukarica, Trgovačka 15
  • Despotovac, Despota Stevana Lazarevića 2
  • Gornji Milanovac, Vojvode Milana 1
  • Inđija, Novosadska 21
  • Ivanjica, Majora Ilića 1
  • Jagodina, Kneza Lazara 5-6
  • Kanjiža, Glavna 3
  • Kovin, Cara Lazara 73
  • Kragujevac, Kralja Petra I 19
  • Kraljevo, Trg Jovana Sarića 8
  • Kruševac, Vidovdanska 4
  • Kula, Maršala Tita 242
  • Lajkovac, Vojvode Mišića 84
  • Lazarevac, Karađorđeva 41
  • Leskovac, Trg Revolucije 7
  • Loznica, Trg Vuka Karadžića bb
  • Ljig, Vojvode Mišića 12
  • Mionica, Dr. Jove Aleksića 21
  • Mladenovac, Kralja Petra I 217
  • Negotin, Trg Đorđa Stanojevića 70/II
  • Niš, Sinđelićev Trg 18
  • Niš, Obrenovićeva 82
  • Niš, Milojka Lešjanina 1
  • Niš, Bulevar Nemanjića 28-32
  • Novi Bečej, Trg Oslobođenja 5
  • Novi Beograd, Milutina Milankovića 134 G
  • Novi Beograd, Milentija Popovića 7b
  • Novi Beograd, Maršala Tolbuhina 34
  • Novi Beograd, Partizanske avijacije 14
  • Novi Beograd, Jurija Gagarina 36b
  • Novi Beograd, Jurija Gagarina 14
  • Novi Pazar, AVNOJ-a 6
  • Novi Sad, Bulevar Mihajla Pupina 4
  • Novi Sad, Bulevar Cara Lazara 79a
  • Novi Sad, Bulevar Oslobođenja 76 A
  • Novi Sad, Fruškogorska 10
  • Novi Sad, Zmaj Jovina 15
  • Novi Sad, Bulevar Oslobođenja 8
  • Obrenovac, Miloša Obrenovića 133-135
  • Pančevo, Karađorđeva 2-4
  • Paraćin, Kralja Petra I 4
  • Petrovac na Mlavi, Bate Bulića 47
  • Pirot, Branka Radičevića 18
  • Požarevac, Trg Radomira Vujovića 8
  • Požega, Knjaza Miloša 6
  • Priboj, Nemanjina 48-50
  • Prijepolje, Sandžačkih brigada 39
  • Rakovica, Vukasovićeva 50a
  • Rakovica, Vidikovački Venac 80 B
  • Rakovica, Miška Kranjca 12
  • Raška, Milutina Ivanovića 8
  • Ruma, Glavna 170
  • Senta, Zlatne grede 6
  • Sjenica, Milorada Jovanovića bb
  • Smederevo, Cvijićeva 3
  • Smederevska Palanka, Svetog Save 19
  • Sombor, Venac Stepe Stepanovića 32
  • Srbobran, Zmaj Jovina 18
  • Sremska Mitrovica, Svetog Dimitrija 2
  • Stara Pazova, Ćirila i Metodije 2
  • Stari Grad, Knez Mihailova 30
  • Stari Grad, Cara Dušana 50
  • Subotica, Dimitrija Tucovića 2
  • Subotica, Štrosmajerova 6
  • Surčin, Vojvođanska 85
  • Surdulica, Kralja Petra I bb
  • Šabac, Gospodar Jevremova 44
  • Šid, Karađorđeva 11-13
  • Titel, Mihajla Krestića 8 A
  • Topola, Tomislava Karađorđevića 3
  • Ub, Kralja Petra I 44
  • Užice, Dimitrija Tucovića 129
  • Valjevo, Karađorđeva 71
  • Valjevo, Železnička 7
  • Veliko Gradište, Kneza Lazara 35
  • Vladičin Han, Svetosavska 16a
  • Vlasotince, Nemanjina 2
  • Voždovac, Ustanička 69
  • Voždovac, Kumodraška 174
  • Voždovac, Crnotravska 7-9
  • Vračar, Bore Stankovića 9
  • Vračar, Južni Bulevar 84
  • Vranje, Lenjinova bb
  • Vrbas, Maršala Tita 66
  • Vršac, Sterijina 19a
  • Zaječar, Nikole Pašića 70
  • Zemun, Glavna 30
  • Zemun, Majke Jugovića 1
  • Zemun, Gornjogradska 38
  • Zrenjanin, Kralja Aleksandra I Karađorđevića bb
  • Zvezdara, Bulevar Kralja Aleksandra 330
  • Zvezdara, Bulevar Kralja Aleksandra 79
  • Žabalj, Trg Svetog Save 3
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