Frequently Asked Questions

Common Questions Answered

Clarity, Transparency, and Confidence — everything you need to know about KPN Insurance solutions.

About This Page

Designed for Clarity and Confidence

The following questions address common points raised by clients regarding the structure, scope, and operation of insurance solutions provided by KPN Insurance Company DAC.

Full details are always contained within the formal policy documentation. If you have a question not answered here, please contact our team directly.

Ask a Question

General Questions

What we do, who we serve, and how we work.

Coverage & Eligibility

What's covered, limits, and qualifying investments.

Claims & Protection

Events covered, exclusions, and the claims process.

Regulation & Security

Regulatory status and data protection.

General Questions

What does KPN Insurance Company DAC provide?

KPN Insurance Company DAC provides structured insurance solutions designed to protect capital allocated into qualifying fixed income investments, including listed bonds.

Our role is to structure insurance coverage that responds to defined risk events associated with those investments, within a formal underwriting and policy framework.

Who are your services designed for?

Our solutions are designed for:

  • Private investors
  • Joint account holders
  • High-net-worth individuals
  • Corporate entities
  • Family offices
  • Institutional investors

We support both straightforward and complex fixed income portfolios across European markets.

Do you provide investment advice?

No. KPN Insurance Company DAC does not provide investment advice. We do not recommend specific bonds or investment strategies. Our role is limited to structuring insurance protection for qualifying investments.

Coverage & Eligibility

What types of investments can be insured?

Coverage is considered for:

  • Fixed-rate bonds
  • Base bond instruments
  • Listed securities on recognised exchanges
  • Investments with verified ISIN numbers

Each investment must meet our underwriting and eligibility criteria.

Do you cover bonds from all European banks?

We support insurance structuring for bonds held across multiple European institutions, subject to underwriting assessment. Each bond is reviewed individually, taking into account the issuing entity, the banking or custodial institution, and the jurisdiction involved.

Is coverage applied to the whole portfolio or individual bonds?

Coverage is typically structured on a bond-by-bond basis. Where clients hold multiple bonds, policies may cover each bond individually, apply limits per bond, or structure protection across a scheduled portfolio. The exact structure depends on the underwriting assessment.

What are the coverage limits?

Coverage is generally structured as follows:

  • Private Clients: up to €100,000
  • Joint Accounts: up to €200,000
  • Corporate & Institutional: up to €5,000,000

Final limits are determined based on the structure of the insured portfolio.

Claims & Protection

What events are typically covered?

Subject to policy terms, coverage may apply to events such as:

  • Issuer insolvency or default
  • Failure of a banking institution
  • Missed coupon or interest payments
  • Failure to repay capital at maturity
  • Institutional or structural disruptions affecting the bond

All coverage is defined within the policy documentation.

What is not covered?

Insurance does not cover general investment risks such as market price fluctuations, changes in interest rates, liquidity conditions, or investment performance. Only defined and insured events are covered.

How do I make a claim?

Claims can be initiated through the secure client portal. You will be required to provide:

  • Policy reference
  • Bond details including ISIN
  • Description of the event
  • Supporting documentation

Each claim is assessed in accordance with the policy terms.

Underwriting & Structure

Who underwrites the insurance?

Policies are structured through a panel of established insurance and reinsurance providers. Depending on the policy, underwriting may involve participation from organisations such as Allianz SE, Aviva plc, AXA SA, Zurich Insurance Group, and Generali Group, among others. Participation varies depending on the structure and risk profile of each policy.

Is every policy the same?

No. Each policy is structured individually based on investment size, number of bonds, issuer and institution, jurisdiction, and risk profile. This ensures that coverage is aligned with the specific exposure.

Regulation & Security

Are you regulated?

KPN Insurance Company DAC operates within a regulated framework under the supervision of the Central Bank of Ireland.

How is my information protected?

Client information is handled within a secure environment and is treated as confidential. Access to documentation is provided through a protected client portal with controlled access. All data is handled in accordance with the GDPR and applicable Irish data protection law.

How do I get started?

Clients typically begin by submitting an enquiry or being referred through an associated partner. Following this, the investment is reviewed for eligibility, and a suitable insurance structure is proposed.

Important Notice

All insurance solutions are subject to underwriting acceptance, eligibility criteria, and policy terms. Coverage applies only to defined events as set out in the policy documentation. This page is intended to provide general clarity — full details are always contained within the formal policy documentation.

Still Have Questions?

Speak With Our Team

For further information about our insurance solutions, please contact KPN Insurance Company DAC directly.