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Cardif is a branch of the French insurance company BNP Paribas Assurance, founded in 1973. Today, Cardif’s global operations represent the world’s second largest payment protection business. In 2011, Cardif had a workforce of about 9 000. Cardif has subsidiaries in 36 countries.
On 7 April 2014 BNP Paribas Cardif was sanctioned and fined 10 million Euros by the disciplinary committee of the "Authority of prudential supervision and resolution" (ACPR - Bank of France) for shortcomings and delays in complying with its legal obligations and which resulted in wrongful retention of amounts that should have been paid to beneficiaries of unclaimed life insurance policies (origin, Le Particulier No. 1097).
Cardif has been active in the Dutch market since 1996. In 2000, the Dutch headquarters moved from Breda to Oosterhout, currently employing 120 people. More than 600,000 Dutch people have Cardif insurance. Cardif specialises in life insurance and insurance that protects people’s personal situations. In the Netherlands, Cardif is the market leader in mortgage protection. Cardif’s insurance products are sold by independent financial advisors and banks.