Need to make an insurance claim?

We’ve got you covered.

The details provided below are for information al purposes only and are non-contractual; please refer to the Terms & Conditions for the full list of coverages and exclusions.

What’s included in your coverage

Purchase protection

Receive a refund if something you buy gets damaged or stolen. Applies to both online and offline purchases including mobile devices, laptops and tablets.

Classic

Limit: £1,000
Max £2,500 per year

Premium

Limit: £4,000
Max £10,000 per year
  • £50 excess
  • For 90 days from date of purchase (Classic)
  • For 180 days from date of purchase (Premium)
  • You may be required to ship the damaged item; insurance covers the shipping cost.

Bills protection: accident, sickness or job loss

Receive an indemnity if you have an accident, become too ill to work, lose your job involuntarily or need to stay in hospital. This indemnity can be used to pay your monthly recurring bills.

Essential

up to £600

Classic

up to £1,200

Premium

up to £1,800
  • 30-day waiting period
  • Covers employees (not self-employed)
  • We will pay a one-month average of your monthly recurring bills – that are paid from your Monese account – up to the maximum stated above.

Bills protection: hospitalisation

Get a daily indemnity if you are hospitalised for at least 2 days.  The daily benefit depends on your account type. The maximum duration of the indemnity is 30 days of hospitalisation.

Essential

£15 per day

Classic

£30 per day

Premium

£50 per day
  • Up to 30-day benefit period
  • 48-hour waiting period
  • Covers both employees and self-employed

What is purchase protection?

If you make a large personal purchase with your Monese account, it’ll be protected against any accidental damage or theft. We’ll cover your item up to £1,000 on Essential and up to £4,000 on Classic or Premium over a 12-month period.

Theft or accidental damage to a purchased item
Up to £ 1,000 per item and £ 2,500 during a 12 month period.
Claims are valid for items for 90 days from the date of purchase
Theft or accidental damage to a purchased item
Up to £ 4,000 per item and £ 10,000 during a 12 month period.
Claims are valid for items for 180 days from the date of purchase

What is bills protection?

Protect monthly recurring bills you pay from your Monese account if you have an accident, become too ill to work, lose your job involuntarily or need to stay in hospital.

Had an accident and you can't work
Sick and you can't work
Job loss that isn't your choice
Hospital stay after an accident or sickness
If you’re employed:
Bill protection following an accident
up to £600
Bill protection following sickness
up to £600
Bill protection following involuntary loss of employment
up to £600
Hospital stay
£15 a day for up to 30 days
If you're self-employed:
Hospital stay
£15 a day for up to 30 days
If you are employed
Bills protection following an accident
up to £1,200
Bills protection following sickness
up to £1,200
Bills protection following involuntary loss of employment
up to £1,200
Hospital stay
£30 a day for up to 30 days
If you are self-employed
Hospital stay
£30 a day for up to 30 days
If you are employed
Bill Protection following an Accident
up to £ 1,800
Bill Protection following Sickness
up to £1,800
Bill Protection following Involuntary Loss of Employment
up to £1,800
Hospital Stay
£ 50 a day for up to 30 days
If you are self-employed
Hospital Stay
£ 50 a day for up to 30 days

Have a question?

Head to our Help Centre to find the answer.
Help Centre

About Qover

We are here for you. Do not hesitate to contact us if you have any questions.

By post
Qover - Customer Service
Rue du Commerce, 31
1000 Brussels - Belgium