Personal belongings and Home Credit payment card misuse insurance

  • You do not have to worry about losing personal belongings or having them stolen and losses caused by payment card misuse.
  • We will reimburse your purchases of new items in place of the lost or stolen ones.
  • You will not need old receipts – we will reimburse you based on the receipts for the newly purchased items.
  • The insurance payment is included in the monthly loan instalment.

How does the insurance work?


Vyplňte formulář


In the case of loss or theft of personal belongings or misuse of card or phone, complete the Insured Event Report form.



Truthfully describe the occurrence and extent of the insured event.



Send it along with the required attachments according to Article 7 of the Framework Insurance Policy to the address:
Maxima pojišťovna, a.s.
Italská 1583/24
120 00 Praha 2 - Vinohrady

JISTOTA+ and JISTOTA Insurance Package

Maximum insurance settlement 1 500 CZK 1 000 CZK
Cash in your wallet ok
Maximum amount in total for one or all items together 40 000 CZK 15 000 CZK
Cash stolen during ATM withdrawal or within 12 hours from the ATM withdrawal with the Home Credit card ok
ID card, passport, driving license, residence permit ok
Theft and loss
Theft and loss
Vehicle registration, public transport card (time-limited voucher) ok
Wallet, handbag/bag, house/apartment/car keys, prescription glasses/sunglasses, inhaler ok
Theft and loss
Theft and loss
Perfume, meal vouchers (provided by the employer), prescription drugs including packaging ok

e-book reader (Kindle etc.), player, tablet (incl. case), notebook (incl. case), camera (incl. case), watch/”smartwatch” (stolen while worn), mobile phone (incl. case) and its misuse, hearing aid

Costs of new card issuance ok
Theft and loss
Theft and loss
Card misuse 50 € * 50 € *
Internet transactions 50 € * 50 € *
PIN transactions 50 000 CZK 20 000 CZK

*According to the Payment System Act No. 370/2017 Sb.


Personal belongings and Home Credit payment card misuse insurance

Personal belongings and Home Credit payment card misuse insurance

Waking up feeling safe every day with the JISTOTA insurance.

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What situations does this insurance cover?


  • Odcizení hotovosti

    Cash which was in the stolen wallet or bag

  • Odcizení hotovosti při přepadení u bankomatu

    Cash stolen during an ATM robbery

  • Odcizení i ztráta osobních dokladů

    Theft and loss of personal documents – ID card, passport, driving license, residence permit

  • Odcizení i ztráta osobních věcí

    Theft and loss of personal belongings – wallet, handbag/bag, house/apartment/car keys, prescription glasses/sunglasses, inhaler

  • Odcizení i ztráta osobních dokladů

    Misuse of lost or stolen credit card

  • Odcizení elektronických zařízení

    Theft of electronic devices – e-book reader, player, tablet, notebook etc.

You can find more detailed information on the product in the terms and conditions.

What interests you most

I already have a loan, but I want to arrange insurance. How do I do that?

SSimply call our client helpline at +420 542 100 100. Our operators will handle everything for you.

When should I notify my insurance company about an insured event?

Don’t wait for anything. Contact the insurance company as soon as you can..

How long does it take to settle a claim?

The insurance company tries to settle claims as quickly as possible. The statutory time limit for settling an insured event is no more than 3 months since it was reported.

Who will be paid the money in case of an insured event?

The insurance company will pay the insurance benefit to the account number specified by you when you reported the insured event. In the event of death, the insurance benefit will be sent to Home Credit and used to pay the remaining debt.

I’m reporting an insured event that happened abroad. What do I do if the documentation is in a foreign language?

In this case, you need to have the document translated into Czech by a person authorised to translate official documents.

What is meant by Personal belongings?

The following items belong to the Personal belongings group: wallet, prescription & sun glasses, inhaler, personal documents (such as ID, passport, etc), e-reader, MP3 player , etc.

When can I set up this insurance?

The insurance can be set up when concluding the loan agreement or additionally by telephone or written agreement. In both cases, you must comply with the conditions for the arrangement of the insurance, choose the insurance package and confirm all mandatory statements.

Does this insurance cover also personal electronic devices?

JISTOTA+ package covers personal electronic devices such as cell phones, e-readers, tablets, all sorts of players, laptops, watches and hearing aids up to 3 years of age.

What should I do if I need to change my insurance policy?

Call the number +420 542 100 100.

Is there a limit for a maximum number of insured events?

There´s no limit for the number of insured events stipulated. 

What should I do in the case of an insured event?

You will need to fill in the Insured Event Report which you can find in the Downloads section at the bottom of the page. Describe the insured event and its scope truthfully and submit the form together with the required attachments to Maxima pojišťovna, a.s., Italská 1583/24, 120 00 Praha – Vinohrady.