Insure yourself against an unemployment and incapacity for work Credit Cover will help you make your credit card repayments. Credit Cover insures your credit card repayments should you unexpectedly lose your job or fall ill. You only pay insurance premiums if you use your credit card limit. If unemployment or incapacity for work lasts longer then 13 months, we‘ll reimburse the whole outstanding balance. You‘ll pay for the insurance only if you use the credit. Conclude Insurance agreement*A summary of losses in 2018 according to the data of Swedbank P&C Insurance AS on paid insurance indemnities.