Attention: Insurance does not cover transactions made on a stolen cell phone

Did you know that only two PIX insurance banks Brazilians cover payments made in case of device theft? So it is. Most institutions only cover bank transactions made in kidnapping situations, but not in case of robbery or theft of the device.

The banks that offer this type of insurance are: Santander, C6 Bank, Sicoob, BTG Pactual, Itaú, Nubankand Bradesco. What is worth mentioning is that only the last two offer insurance in case the device has been stolen or stolen and the criminal managed to access it to carry out a transaction of that nature. type.

However, you need to be careful when hiring any of these, as the service offered by Nubank, for example, is still in a testing period and without an official launch date. Bradesco Seguro Seguro Digital, on the other hand, covers these situations of theft, theft or even loss of the device, in case a transfer is made.

Does insurance cover transactions made on all platforms?

Unfortunately, only if it is carried out by the application.

If it is done at ATMs or internet banking, the insurance does not cover it. Those that do not offer this protection against theft, theft or loss of devices still have some differentials. Some have protection against the theft of goods purchased through the PIX while others also cover transactions carried out with the card, even though most financial institutions have a specific type of insurance for this situation.

Although most insurances do not offer coverage for transactions carried out in the event of theft or theft of the cell phone, know that it is already the responsibility of the banking institutions to bear the damages derived from these situations. This is because, in 2021, the Central Bank published a resolution, which reads as follows:

BCB Resolution No. 147/2021, Art. 32: “V – Take responsibility for fraud within the scope of Pix resulting from failures in its risk management mechanisms, including non-compliance with the risk management measures defined in this Regulation and in regulatory provisions complementary".

The resolution can be viewed in full here.

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