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ARAG web@ktiv: the policy wording in full
Internet-Rechtsschutz web@ktiv mit 100.000 Euro für Schadenersatz bei Rufschädigung, Identitäts- und Zahlungsmittelmissbrauch, Streit aus Onlineverträgen, Straf-Rechtsschutz und Löschhilfe, ohne Ersatz von Vermögensschäden.
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Everything about this policy
What the policy covers: 65 points, each with its clause
Quotes are shortened.
The full German wording of each point is on the German page for ARAG web@ktiv.
Basics
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Sum insured per claim | yes, up to EUR 100,000 | „Weltweit 100.000 € 200.000 €“ | Leistungsübersicht SB 12 und 12a, page 3 |
| Annual aggregate limit for all claims in one policy year | not addressed | ||
| Contract form: stand-alone cyber policy or add-on to home contents, liability or legal expenses insurance | yes | „Sie haben Versicherungsschutz für die speziellen Risiken und Gefahren im Zusammenhang …“ | SB 12 § 1, page 81 |
| Co-insured persons: spouse or partner and everyone in the same household | yes | „Ihr ehelicher, eingetragener oder mit Ihnen in häuslicher Gemeinschaft zusammenlebender …“ | SB 12 § 3 a), page 42 |
| Minor children covered, also when living away for education | yes | „Ihre minderjährigen Kinder;“ | SB 12 § 3 b), page 33 |
| Worldwide territory (place of access and seat of the merchant) | yes | „Für die Wahrnehmung Ihrer rechtlichen Interessen außerhalb des Geltungsbereichs nach …“ | SB 12 § 6 (2), page 83 |
| Covered devices: all privately used computers, smartphones, tablets and smart home devices | not addressed | ||
| Waiting period after inception | none | ||
| Deductible per claim | not addressed | ||
| Trigger: discovery of the loss during the policy period is sufficient (instead of occurrence) | not addressed |
Online fraud and financial loss
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Online purchase: goods paid for but not delivered, damaged or wrong | no | ||
| Online sale: goods shipped, buyer does not pay | no | ||
| Fraud by fake online shops | no | ||
| Phishing and pharming: loss from fraudulent use of online banking | yes | „wegen Missbrauchs von Zahlungsmitteln: zum Beispiel Kreditkarten, „elektronisches Geld““ | SB 12 § 2 a) cc), page 81 |
| Misuse of payment cards online, including the cardholder liability towards the bank | yes | „zum Beispiel Nutzung von Kreditkartendaten durch Dritte im Internet für Onlineeinkäufe.“ | SB 12 § 2 a) cc), page 81 |
| Misuse of payment services and customer accounts (PayPal, merchant accounts, platforms) | not addressed | ||
| Deception fraud where the insured makes the transfer (fake bank staff, romance scam, advance fee fraud) | not addressed | ||
| Crypto assets and digital wallets covered | not addressed | ||
| Subsidiarity: benefit only if bank, card issuer or buyer protection do not pay | not addressed | ||
| Separate sublimit for fraud losses (below the sum insured) | not addressed |
Identity theft
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Financial loss from identity theft (orders, contracts or accounts in the insured's name) | yes | „wegen Identitätsmissbrauchs: Als „Identitätsmissbrauch“ bezeichnet wird die …“ | SB 12 § 2 a) bb), page 81 |
| Identity restoration costs (authorities, reissuing IDs, postage, time) | not addressed | ||
| Defence against unjustified claims arising from identity theft | not addressed | ||
| Correction of credit bureau records (SCHUFA, KSV1870, ASNEF) after identity theft | not addressed | ||
| Monitoring of personal data on the internet and dark web with alerts | not addressed | ||
| Help recovering hacked email, social media and customer accounts | not addressed |
Data and devices
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Data recovery and restoration of private data after a cyber attack or malware | no | ||
| Malware removal and restoration of devices (reinstallation) | not addressed | ||
| Replacement of devices rendered unusable by a cyber attack | not addressed | ||
| Extortion with encrypted or stolen data: advice and ransom | not addressed | ||
| Attacks on connected home technology (smart home, cameras, routers) | not addressed | ||
| IT help by phone or remote access for device and software problems | not addressed | ||
| Locating and locking lost or stolen mobile devices | not addressed |
Cyberbullying and reputation
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Psychological support after cyberbullying, cyberstalking or online exposure | not addressed | ||
| Removal or blocking of damaging content online | yes, up to EUR 100 | „Darüber hinaus übernehmen wir die Kosten eines spezialisierten Dienstleisters für …“ | SB 12 § 4, page 82 |
| Online reputation repair (reputation service, search engine entries) | not addressed | ||
| Legal advice and representation against perpetrators of cyberbullying and online insults | yes | „Als Schädigung Ihrer „E-Reputation“ gilt die Verletzung des allgemeinen …“ | SB 12 § 2 a) aa), page 81 |
| Sextortion and blackmail with private images | not addressed | ||
| Cyberstalking (harassment via digital channels) | not addressed | ||
| Costs of changing school or moving after severe cyberbullying | not addressed | ||
| Compensation for loss of earnings due to a cyber incident (incapacity, dealing with authorities) | not addressed |
Online liability and legal expenses
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Liability for infringing third parties' personality and data protection rights online | no | „Sie wollen Schadenersatzansprüche abwehren.“ | SB 12 § 5 h), page 26 |
| Liability for unknowingly passing on malware to third parties | not addressed | ||
| Liability when co-insured children harm others online (for example by cyberbullying) | not addressed | ||
| Defence against cease and desist letters for copyright infringement (file sharing, images) | yes, up to EUR 500 | „für ein erstes anwaltliches Beratungsgespräch zu einer Abmahnung, die Sie als …“ | SB 12 § 2 d), page 58 |
| Legal expenses for disputes from online purchase and service contracts | yes | „für die Wahrnehmung Ihrer rechtlichen Interessen aus Verträgen, die Sie über das …“ | SB 12 § 2 b), page 81 |
| Enforcing own data protection rights against companies and before data protection authorities | not addressed | ||
| Telephone legal advice by lawyers on internet matters | yes | „wir stellen Ihnen eine Rufnummer für den schnellen und einfachen Zugang zu einer …“ | SB 12 § 2 f) ARAG JuraTel, page 79 |
Exclusions and obligations
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Cover also in case of gross negligence (for example disclosing credentials after deception) | not addressed | ||
| Exclusion of losses from transfers initiated by the insured | not addressed | ||
| Obligation to keep security software and updates current on all devices | not addressed | ||
| Obligation to back up data regularly as a condition for data recovery | not addressed | ||
| Requirements on passwords, two-factor login and safe storage of credentials | not addressed | ||
| Obligation to file a police report, with deadline | not addressed | ||
| Obligation to notify the bank or card issuer without delay and block cards or accounts | not addressed | ||
| Exclusion of professional or commercial internet use (including side business, trading as a merchant) | yes | „Jegliche Interessenwahrnehmung im Zusammenhang mit einer geplanten oder ausgeübten …“ | SB 12 § 5 a), page 83 |
| Exclusion of gambling, betting, investments and crypto trading | yes | „Spiel- oder Wettverträgen, Gewinnzusagen, dem Erwerb, der Veräußerung, der Verwaltung …“ | SB 12 § 5 j), page 78 |
| Exclusion of war, cyber war and state-sponsored attacks | not addressed | ||
| Exclusion of infrastructure outages (power, internet provider, cloud services) | not addressed | ||
| Exclusion of incidents that occurred or were known before inception | yes | „Ansprüche oder Verbindlichkeiten werden auf Sie übertragen oder sind auf Sie …“ | SB 12 § 5 o), page 27 |
Contract and service
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| 24/7 emergency hotline for cyber incidents | not addressed | ||
| Preventive services (security software, password manager, training, security check) | not addressed | ||
| Cloud storage for backups included | not addressed | ||
| Insurer right to cancel after a claim | yes | „Sind mindestens zwei Versicherungsfälle innerhalb von zwölf Monaten eingetreten und …“ | ARB § 13 (2), page 39 |
| Contract can be cancelled daily or monthly (instead of annual term) | no |
Evaluated by NAMMERT from published policy wordings.
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Policy wordings and provider
- Legal entity
- ARAG Allgemeine Versicherungs-Aktiengesellschaft, DARAG Deutschland AG
- Distribution
- brokers and direct
- Bedingungen ARAG Internet-Rechtsschutz Edition: ARB 2015, Stand 01.2015 Original from the insurer (PDF, German)
Full text of the wording
The full text exists only in German.
It is printed on the German page for ARAG web@ktiv and available as plain text.
Volltext ARAG web@ktiv Cyberversicherung privat · As text (Markdown) ARAG web@ktiv Personal cyber cover