Purchase insurance

Purchase insurance for carefree shopping

Global coverage – in physical stores and online
Valid up to 180 days from the purchase
Included with Luminor Black and Luminor Infinite cards

Become a customer

Feel more confident about bigger purchases

Ever dropped your phone the day after buying it? Then you know that accidents happen. But luckily, some accidents can also be reversed.

The Luminor Black and Infinite cards come with free 180‑day purchase insurance against damage, destruction, or loss. The purchase insurance applies to most goods bought for long-term use, including electronics, furniture, jewelry, eyewear, sports gear, and tools.

Please check this purchase insurance memo for the list of goods not covered by the insurance. Note that the insurance doesn’t apply to used items, items bought in installments, lost goods (when there are no signs of a break‑in), or minor cosmetic damages.

Luminor purchase insurance is provided by ADB "Compensa Vienna Insurance Group", reg. code 304080146, Ukmergės g. 280, 06115 Vilnius.

View full terms and conditions

How it works

Your purchase is insured as soon as you buy the insurance-eligible item with your Luminor Black or Infinite card. Make sure to save the receipt or invoice for your purchase – you will need it as proof!

Your item will be insured 180 days from the date of purchase, provided that your Luminor Black or Infinite card is active throughout the period. If your card is blocked or disabled during the 180-day period after the purchase, the insurance coverage will be ended.

If you or an immediate family member have an accident with the insurance-eligible item, you’ll receive compensation for repair or replacement.

The insurance does not cover all purchases. Please check the list of insured events provided in the Purchase insurance terms and conditions.

Apply for Luminor Black

A few examples of what the purchase insurance covers

• Compensation for repairing the shattered screen of a smartphone you bought 5 months ago
• Full reimbursement for designer sunglasses you bought at the start of spring and sat on during the last party of the summer
• Compensation for fixing your laptop that got damaged in its case while traveling
• Full reimbursement for replacing your brand-new mountain bike that was stolen from your garage, and entered illegally, and forcibly.

Purchase insurance limits

Total amount per year	Max. amount per event	Max. amount per purchase*	Deductible amount per item
EUR 4,000	EUR 2,000	EUR 1,000	EUR 30

*Mobile phones, computers, and their gadgets, glasses, sunglasses, smartwatches, bracelets, and headphones – EUR 800 for Luminor Black, EUR 1,600 for Luminor Infinite; jewelry, fur, and hand watches – EUR 400; See terms and conditions.

In case of an insured event

Follow these guidelines for reporting the insurance event.

Please note that among other details, you will have to submit:

an electronic application via compensa.lt (or via phone: +370 5 249 1911) within a day after the incident
a receipt or invoice confirming you bought the item using Luminor Black or Luminor Infinite
photos of the damaged or stolen item

Useful links

Purchase insurance full terms and conditions
Luminor insurance

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