BNP Paribas Cardif Unfair Rejection Of Insurance Claim
I purchased insurance from BNP Paribas Cardif through Media Markt in Turkey last year for two products, an AirPods 2nd Generation and an Apple Watch, and paid approximately ₺10,000 in total for this coverage. During the sales process in the store, we were clearly informed that both loss and theft of these products would be covered by the insurance. On December 25th, 2025, I filed a claim for my AirPods 2nd Generation, but my application was rejected on the grounds that, according to the contract, only theft-related losses are covered and loss is not included. The process has been ongoing since that date and has still not been concluded in a satisfactory and timely manner. My policy number is 019631050***. I have a formal police report regarding the incident. Since I did not witness the event directly, the report indicates that it could be a case of pickpocketing, resulting in my victimization. The report clearly emphasizes the possibility of theft rather than a simple loss. Your company provides insurance for both loss and theft, therefore it is deeply frustrating that my claim is being denied after I have paid such a high premium for this coverage. I contacted BNP Paribas Cardif customer service about both the rejection and the delay, but I did not receive a positive or solution-oriented response. I was sold this insurance with the clear statement that loss and theft would both be covered, yet now a different interpretation is being used against the written contract, leaving me as the customer victimized. I request that my claim be accepted in line with the explanations given to me at the time of purchase, that the damage related to my AirPods 2nd Generation be fully covered, and that the claim be approved and paid without any further delay. I also expect a written explanation as to why information inconsistent with the current stance was provided at the time of sale and that this misleading situation be remedied in my favor, and that my damages be compensated as promised.
Dear Customer, Regarding your request, we responded to you by phone on 24.03.2026. We wish you happy days. Sincerely, BNP PARIBAS CARDIF INSURANCE INC.
My problem hasn't been solved. They only performed a token search. Even the person who made the call couldn't say a single word in the face of what I said. What you call "kasko" everywhere in the world is for loss, theft, etc. If you took nearly 10,000 TL in kasko fees last year and didn't send a product worth 2–3 thousand TL, we will settle this in court. You will have to pay both the product itself (currently priced at 13,000 TL) and the 10,000 TL kasko fee. I have also exposed you on all my accounts. I have discouraged all my acquaintances and institutions who were considering working with you. I hope anyone reading this complaint never makes the same mistake. It's not an insurance company; it's a system that makes money from us.
