Digital protect

What is Digital protect?

  • Ideal to protect mobile devices like your laptop, tablet or smartphone.
  • Cover your family's devices as well as your own.
  • A fixed rate of EUR 12.00 per month, no matter how many mobile devices you have.
  • Easy to sign up, no approval needed and no prior declaration of the devices you want to insure.
  • Carefree peace of mind which is priceless.


DIGITAL PROTECT insurance is personal possessions insurance under Belgian law from Cardif Assurances Risques Divers NV, distributed by BNP Paribas Fortis. The insurance policy runs for one year, with tacit renewal each year.

What are you insured against?

Accidental physical damage
This means destruction or full or partial damage resulting in the device no longer working correctly, as the result of a sudden, unforeseeable cause beyond your control.

But forget about claiming the insurance if you just want to test whether your smartphone with its new cover really is shockproof by throwing it against a wall.

Aggravated theft
This means theft using violence, or theft involving a break-in somewhere other than your home (main residence, second residence or holiday home).

Fraudulent use
The charges incurred fraudulently by a third party using the device within 24 hours of the aggravated theft of the device.

What is not covered?

Professional use
Mobile devices used for professional purposes are excluded.

Gross negligence
Using your device in an unauthorised way. Or if you are negligent and leave your device behind in a high risk place. So you need to avoid any foreseeable wear and tear, damage by a liquid or risk of being dropped.

So it is not a good idea to try and film yourself looping the loop at an amusement park.

Age and place of purchase of the device
Devices that are more than five years old and devices purchased outside the European Union (EU) are excluded.

The above list of risks is not exhaustive.

For the exact extent of all cover and exclusions, please see our General Terms and Conditions. You will find these in the link below.

Please note - the following information is important if you want to avoid unpleasant surprises!

A waiting period of three months applies from the start date of the policy. This means that you are not covered for any claims during the first three months of your insurance policy.
In the event of theft, you must report it within two days.
In the event of any accidental physical damage, you must report it within five days.

Digital protect is an insurance product from CARDIF Assurances Risques Divers SA, which is a limited company under French law with its registered offices at 1 Boulevard Haussmann 75009 Paris and accreditation in Belgian via its branch at: Chaussee de Mons/Bergensesteenweg 1424 - 1070 Brussels – Brussel Reg. of Companies BE 0435.0259.94 - insurance company authorised as number 978 under the supervision of the National Bank of Belgium.

(AR 06/02 1989 - MB 18/02 1989).
BNP Paribas Fortis SA/NV, Montagne du Parc/Warandeberg 3, B-1000 Brussels – Brussels Reg. of Companies – VAT BE 0403.199.702, registered under no. 25.879A with the FSMA, Rue du Congres/Congresstraat 12-14, 1000 Brussels, acting as a tied insurance agent for Cardif Assurances Risques Divers NV.

You may submit complaints to the BNP Paribas Fortis Complaints Management Department (JQABD), Montagne du Parc/Warandeberg 3, 1000 Brussels, fax +32 (0)2 228 72 00. You may also submit your complaint to the Insurance Ombudsman, Square de Meeûs/De Meeûssquare 35, 1000 Brussels (

How do I subscribe to Digital protect?

Through the app Hello bank! in the "My Accounts" menu, click on the "Add Products" icon.