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BarmeniaGothaer Barmenia Internet-Schutzbrief: the policy wording in full
Eigenständiger Internet-Schutzbrief mit Online-Schutz-Radar, telefonischer Rechtsberatung, Hilfe bei Cyber-Mobbing samt Löschung bis 5.000 Euro je Jahr und Datenrettung bis 500 Euro, 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 BarmeniaGothaer Barmenia
Internet-Schutzbrief.
Basics
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Sum insured per claim | as stated in the policy schedule | „nehmen die Kosten bis zur jeweils beschriebenen Höhe.“ | 3.2, page 2 |
| Annual aggregate limit for all claims in one policy year | yes, up to EUR 5,000 | „Wir übernehmen die Kosten für den Dienstleister bis zu 5.000 EUR für alle …“ | 3.2.1 b) aa), page 2 |
| Contract form: stand-alone cyber policy or add-on to home contents, liability or legal expenses insurance | yes | „Bedingungen für den Barmenia-Internet-Schutzbrief“ | Titel, page 1 |
| Co-insured persons: spouse or partner and everyone in the same household | yes | „Ihnen sowie den mit Ihnen in ständiger häuslicher Gemeinschaft lebenden Personen zu.“ | 2.2, page 2 |
| Minor children covered, also when living away for education | yes | „den mit Ihnen in ständiger häuslicher Gemeinschaft lebenden Personen“ | 2.2, page 2 |
| Worldwide territory (place of access and seat of the merchant) | no | „Versicherungsschutz besteht für Versicherungsfälle, die in Deutschland eintreten“ | 4, page 3 |
| Covered devices: all privately used computers, smartphones, tablets and smart home devices | yes | „Versicherungsschutz besteht für Ihre privat gespeicherten Daten auf Personal Computern …“ | 2.3, page 2 |
| Waiting period after inception | yes | „die vor Ablauf einer Wartezeit von 3 Monaten nach dem im Versicherungsschein“ | 3.2.2 c), page 3 |
| Deductible per claim | EUR 50 | „Von der Kostenübernahme ziehen wir eine Selbstbeteiligung in Höhe von 50 EUR ab.“ | 3.2.1 b) aa), page 2 |
| 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 | not addressed | ||
| Online sale: goods shipped, buyer does not pay | not addressed | ||
| Fraud by fake online shops | not addressed | ||
| Phishing and pharming: loss from fraudulent use of online banking | not addressed | ||
| Misuse of payment cards online, including the cardholder liability towards the bank | not addressed | ||
| 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) | not addressed | ||
| 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 | yes | „Hierbei wird das Internet durch das Online-Schutz-Radar sieben Tage die Woche, rund um …“ | 3.1.1 c), page 2 |
| 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 | yes, up to EUR 500, excess EUR 50 | „Wir übernehmen die Kosten für den von uns beauftragten Dienstleister zur Datenrettung …“ | 3.2.2 b), page 3 |
| 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 | yes, up to the sum insured | „stellen wir auf Ihren Wunsch den Kontakt zu einem Psychologen her“ | 3.2.1 b) bb), page 3 |
| Removal or blocking of damaging content online | yes, up to EUR 5,000, excess EUR 50 | „Wir unterstützen Sie bei dem Vorhaben der Löschung rufschädigender Inhalte“ | 3.2.1 b) aa), page 2 |
| Online reputation repair (reputation service, search engine entries) | yes, up to EUR 5,000 | „Dem steht es gleich, wenn Sie in Ihrer Reputation durch Beleidigung, üble Nachrede und …“ | 3.2.1 a), page 2 |
| Legal advice and representation against perpetrators of cyberbullying and online insults | yes | „wenn Sie Auskunft zum Handlungsspielraum bei Cyber-Mobbing benötigen.“ | 3.1.2, page 2 |
| 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 | not addressed | ||
| 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 | „z. B. nach einem angeblich illegalen“ | 3.1.2, page 2 |
| Legal expenses for disputes from online purchase and service contracts | yes | „insbesondere wenn es um Online-Shopping“ | 3.1.2, page 2 |
| Enforcing own data protection rights against companies and before data protection authorities | not addressed | ||
| Telephone legal advice by lawyers on internet matters | yes | „Wir vermitteln Ihnen eine telefonische“ | 3.1.2, page 2 |
Exclusions and obligations
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Cover also in case of gross negligence (for example disclosing credentials after deception) | no | „oder grob fahrlässig herbeigeführt wurde ... sind wir berechtigt, die Leistung in einem …“ | 5.2, page 3 |
| Exclusion of losses from transfers initiated by the insured | not addressed | ||
| Obligation to keep security software and updates current on all devices | yes | „durch Sicherheitsmaßnahmen und/oder -techniken (z. B. Virenscanner, Firewall)“ | 6.1, page 3 |
| 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 | yes | „deshalb bei der zuständigen Behörde einen Strafantrag gestellt haben“ | 3.2.1 b), page 2 |
| 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) | not addressed | ||
| Exclusion of gambling, betting, investments and crypto trading | not addressed | ||
| Exclusion of war, cyber war and state-sponsored attacks | yes | „wenn das Ereignis durch Krieg, Innere Unruhen, terroristische Handlungen, Anordnung …“ | 5.1, page 3 |
| Exclusion of infrastructure outages (power, internet provider, cloud services) | not addressed | ||
| Exclusion of incidents that occurred or were known before inception | yes | „für solche Versicherungsfälle, die bereits vor Beginn des Versicherungsschutzes …“ | 5.4, page 3 |
Contract and service
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| 24/7 emergency hotline for cyber incidents | yes | „menia-Servicetelefon steht hierfür an allen Tagen des Jahres rund um die Uhr zur …“ | 1.1, page 2 |
| 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 | „Den Vertrag können Sie oder wir durch Kündigung beenden, wenn wir eine Leistung erbracht“ | 7.3, page 4 |
| Contract can be cancelled daily or monthly (instead of annual term) | yes | „Mit Beginn des ersten Verlängerungsjahres können Sie den Vertrag täglich in Textform …“ | 7.2.3, page 4 |
Evaluated by NAMMERT from published policy wordings.
Despite care, a value may be misread;
legally only the wording of your own contract in the edition stated there applies.
Please report errors, we correct them the same day.
Policy wordings and provider
- Legal entity
- Barmenia Gothaer (Marke nach Fusion), Barmenia Allgemeine Versicherungs-Aktiengesellschaft
- Distribution
- brokers and direct
- Bedingungen Barmenia (Dokument A3430) Edition: A 3430-04 01/2023, Stand 01.01.2023 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 BarmeniaGothaer Barmenia Internet-Schutzbrief and available
as plain text.
Volltext BarmeniaGothaer Barmenia Internet-Schutzbrief Cyberversicherung privat · As text (Markdown) BarmeniaGothaer Barmenia Internet-Schutzbrief Personal cyber cover