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Is personal cyber insurance worth it in Germany?

In short

For many people no, for some very much so. Personal cyber insurance in Germany costs about EUR 42 to 150 a year. It pays off mainly if you buy and sell a lot online and have no legal expenses insurance. Before you sign, check what your contents, personal liability and legal expenses policies already cover.

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Is personal cyber insurance worth it in Germany?

What it costs

Guide figures from published tests and tariff examples for individuals and families in Germany.

Example	Typical range
Single person, basic tariff	from about EUR 42 a year
Family, basic tariff	from about EUR 49 to 60 a year
Family, sum insured EUR 15,000	about EUR 60 a year, roughly EUR 5 a month
Tariff including legal cover for online disputes	about EUR 127 to 149 a year

Guide values as of September 2026 from publicly quoted tests and tariff examples; the consumer test dates from 2024. The range of sums insured and the loss amounts in the example are guide values from our quoting practice. Your premium depends on the cover; we obtain the exact quote for you.

Worked example

Family that buys and sells online regularly, no legal expenses cover

Five years of premiums against a single fraud case.

Family premium	about EUR 60 a year
Five years	about EUR 300
Used e-bike paid by bank transfer, never delivered	about EUR 1,200
Lawyer after orders placed in your name	about EUR 300 to 800

One case can exceed five years of premiums. Without such transactions the policy usually goes unused.

What the policy does when things go wrong

You pay in advance for a used bike on a classifieds site and the seller disappears. Or someone opens a shopping account with your details and orders goods in your name. A cyber policy pays the loss up to the agreed limit or helps you clean up the consequences.

Many tariffs add a helpline, help with removing insulting content online, data recovery after malware and a lawyer if you take action against the fraudster.

What you may already be covered for

Many of these benefits exist in other policies. If you do not check, you pay twice. Also note that under German payment law your bank must usually refund payments you did not authorise, unless you acted with gross negligence.

The other way round: if you have none of these add-ons, a cyber policy closes several gaps at once for little money.

Risk	Where else it may be covered
Money lost through a fake banking site	contents insurance with an online banking add-on, only in some tariffs
You unknowingly spread a virus	personal liability, if data damage is included
Dispute with an online shop	legal expenses insurance with contract law
Goods paid for, never delivered	usually only in a cyber policy
Insults or exposure online	usually only in a cyber policy

What is different if you come from abroad

Some credit cards and banks in other countries include identity theft support. German current accounts rarely do, so do not assume your old protection still applies after you move.

Terms and claims handling are usually in German, and many German online frauds run through classifieds and fake parcel messages. Ask us when a clause is unclear before you rely on it.

When it is not worth it

If you rarely buy online, pay by invoice or with buyer protection and have legal expenses cover, there is little left for a cyber policy to do.

It also does not replace caution. If you reuse passwords, skip updates or give a TAN over the phone, expect reduced payouts or refusal.

Step by step

Check your contents, liability and legal expenses policies for online add-ons.
Think about how often you pay in advance or sell on classifieds sites.
Insure only the gaps that remain.
Compare tariffs with the same limit per claim and the same deductible.
Set up two-factor login and a separate password for every account.

Checklist

Fraud when buying and when selling included
Limit per claim high enough for your largest online purchases
Identity theft including lawyer's fees
Cyberbullying support for everyone in the household
No overlap with your contents or legal expenses policy

Common mistakes

Buying cyber cover although legal expenses and contents insurance already cover most of it
Looking only at the price and choosing a tariff without cash benefits for fraud
Ignoring the duties in the policy, such as current updates and secure passwords
Not reporting the loss to the police and your bank straight away

Questions and answers

Frequently asked

Does it pay if I fall for a phishing email?

Often yes, if the tariff includes online banking. Your bank is usually asked first. Grossly negligent behaviour, such as giving a TAN on the phone, can reduce the payout.

Is my family covered?

In family tariffs yes, usually everyone in the same household. The surcharge over a single tariff is small.

Does it help if my child is bullied online?

Many tariffs pay for counselling, removing content and a lawyer. Check the limits for this in the tariff.

Can I get a policy in English?

Some insurers offer English service, most documents are German. The German wording applies in a claim.

Does contents insurance cover online fraud?

Only with a separate add-on, and usually only for online banking. Goods that never arrive are normally not covered there.

Am I covered as a freelancer?

No. Devices and data used for work need commercial cyber insurance.

Sources

NAMMERT insurance broker

Request a quote: Cyber insurance

We compare several insurers and come back with a proposal. Free for you; the insurer pays our fee. You can write in English.

1Who is it for?

Personal My company

Company Industry Number of employees Annual turnover (roughly)

2Which insurance?

Choose as many as you like. For each one, the details an insurer needs for a quote appear below.

Personal

Business

Please review all my existing policies

3Details

Cyber insurance for businesses in Germany

Annual company turnover * Number of employees * Sector and business activity * Do you sell online or accept card payments? * How is your data backed up? * Is multi-factor authentication set up for email and remote access? * Security incidents in the last five years * Preferred limit of indemnity Rule of thumb: cost of three to four weeks of downtime plus recovery

4Your current policy

Current insurer Policy ends on What matters more to you?

5How can we reach you?

Name * Email * Phone Postcode Town Preferred contact Anything else we should know