Your cookie choices

We use necessary cookies to make this site work. With your permission, analytics cookies help us understand usage and marketing cookies support advertising.

You can reject non-essential cookies and still use the site. Change your choices anytime in Cookie settings.

Cookie settingsCookie policy

BNP Paribas Cardif DE review

Updated September 28, 2026 · SumCue Editorial Team · Facts checked September 26, 2026

We earn a commission when you sign up through links on this site. Partner status can affect where a brand appears in our rankings. Partners with a live offer in your country come first, then every other brand by score.

Our verdict

BNP Paribas Cardif DE is the insurer itself rather than a broker, and the cover it writes spans auto, motorcycle and income protection. It suits German households that want a car or motorcycle policy handled by the provider directly, with claims settled in its home market of DE.

Key facts

Best for
German households wanting motor and gadget cover from the insurer itself.
Insurance types
Auto, Motorcycle, Income-protection, Gadget↗
Provider type
Insurer↗
Claims channels
Online claims portal (MyCardif), Phone↗
Legal entity
Cardif Allgemeine Versicherung, German branch of Cardif-Assurances Risques Divers S.A. (Amtsgericht Stuttgart HRB 181 73)↗
Headquarters
Germany↗
Support channels
Phone, Email, Help-centre↗
Official website
bnpparibascardif.de

Facts checked September 26, 2026, 4 sources

Apps and profiles

Elsewhere
LinkedIn

Pros and cons

Pros

  • The provider is an insurer, not a broker, so insurer keeps cover and claims in the same hands
  • Policies span auto, motorcycle and income protection in Germany
  • Support runs on phone, email and help centre and claims on online claims portal (MyCardif) and phone
  • Monthly premium payments are the norm in this part of the market, with 89% of listings offering them

Cons

  • Cover runs to auto, motorcycle and income protection, so home and travel policies sit elsewhere
  • Everything is written for a single market, DE
  • Claims run through online claims portal (MyCardif) and phone rather than a single general desk
BNP Paribas Cardif DE

Ready to try BNP Paribas Cardif DE?

Scored 9.3 / 10 by SumCue.

See alternatives

Who it suits

  • Drivers and motorcyclists insuring in DE who prefer the insurer over a broker
  • Households pairing motor cover with income protection or gadget cover
  • Brokers and partner sellers who need an insurer willing to write auto, motorcycle and income protection

Who should look elsewhere

  • Anyone wanting travel or home cover, which Euroasia Insurance lists in auto, home and travel
  • Life cover seekers, since Linxea focuses on life
  • Oney Préstamos ES customers after a motor policy, as its list is health, life and gadget

Deposit protection

Provider type matters here: insurer, so premiums sit with the company that pays the claim rather than with a broker who sells cover on and takes a slice of the premium. For a motor policy the insurer carries the risk, and the policy wording sets what a claim pays out. There is no separate deposit balance to protect. The German operation sits under BaFin supervision.

The company behind it

The provider is Cardif Allgemeine Versicherung, the German branch of Cardif-Assurances Risques Divers, and its base is DE. That branch, not the international parent, is the legal entity behind the policies, so the contract and the claim decision stay in the same place. Support runs on phone, email and help centre, meaning a policy question can go by phone, by email or through the help centre.

How BNP Paribas Cardif DE compares

Where BNP Paribas Cardif DE is available

Available
Germany
Licence in Germany
Bundesanstalt fuer Finanzdienstleistungsaufsicht (BaFin), checked September 26, 2026

Countries from the brand (Source, checked September 26, 2026)

Frequently asked questions

What kinds of policy does BNP Paribas Cardif DE sell?+

The range covers auto, motorcycle and income protection, so the motor line sits alongside income protection and gadget policies. Everything is written for DE, which means a policy bought here is shaped by a single market's rules rather than a pan European set. Motor is the main product the insurer pushes through partner brokers.

Can I pay a policy monthly?+

Monthly premium payments are the norm rather than the exception here, since 89% of the insurance listings support them. Spreading the cost makes the cash flow easier to plan for a household with other bills in the same month.

What do policies typically cost?+

Across these insurance listings the median starting premium is €8.31, with the lower quartile at €2.92 and the upper quartile at €29.72. On a motor policy the figure moves with the cover chosen, the vehicle and the excess you accept.

Who regulates this insurer?+

In DE the operation sits under the Bundesanstalt fuer Finanzdienstleistungsaufsicht (BaFin). That supervision sets the rules on how an insurer must hold money, report to its policyholders and behave if it cannot pay a claim, which is the part that matters if a motor claim goes wrong.

Is it an insurer or a broker?+

It is the insurer itself, as insurer shows, so the contract and the claim decision stay with the same company. Insurers make up 43.5% of the brands in this comparison, with brokers close behind.

How are claims handled?+

Claims run through online claims portal (MyCardif) and phone, which pairs an online portal with a phone line. For a motor policy that means reporting the incident through the MyCardif portal when you can, or by phone when the accident is fresh and you want a person on the line rather than a form.

Who is the legal entity behind the policies?+

The policies sit with Cardif Allgemeine Versicherung, the German branch of Cardif-Assurances Risques Divers, registered in Germany. Claims and service run through that branch in DE rather than the international parent, so the contract and the claim decision stay in the same legal place.

How do I reach support?+

Support runs on phone, email and help centre, covering phone, email and a help centre. That mix is normal here: across insurers on the site, 74.4% offer a phone line and 79.6% keep a help centre, so an email answer is the exception rather than the default.

Sources

Compiled from 4 source pages, checked September 26, 2026. We did not open an account.

Not confirmed yet: Premium from, Monthly payments.

BNP Paribas Cardif DE

BNP Paribas Cardif DE

German households wanting motor and gadget cover from the insurer itself.

9.3/10See alternatives