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Die Haftpflichtkasse JurCyber Privat zur: the policy wording in full
Zusatzbaustein JurCyber Privat zur Hausratversicherung mit telefonischer Rechtsberatung, Beratungsrechtsschutz bei Urheberrechtsabmahnung bis 500 Euro, aktivem Straf-Rechtsschutz und WebSecure-Hilfe bei Cyber-Mobbing samt Löschung bis 5.000 Euro und Reputationsmanagement bis 30.000 Euro.
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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 Die Haftpflichtkasse JurCyber
Privat zur.
Basics
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Sum insured per claim | yes, up to EUR 30,000 | „Es werden Kosten für den Dienstleister bis zu 30.000 EUR je Schadenfall übernommen.“ | Teil 2 § 3 1.2 b), page 42 |
| Annual aggregate limit for all claims in one policy year | yes, up to EUR 30,000 | „so werden für alle Schadenfälle dieses Jahres Kosten bis zu einer Höhe von insgesamt …“ | Teil 2 § 3 1.2 b), page 42 |
| Contract form: stand-alone cyber policy or add-on to home contents, liability or legal expenses insurance | no | „Internet Rechtsschutz (JurCyber Privat) als Zusatz zur“ | Vorbemerkung, page 7 |
| Co-insured persons: spouse or partner and everyone in the same household | yes | „Versicherungsnehmer und Personen, die mit ihm in häuslicher Gemeinschaft leben.“ | Teil 1 § 1.1.2, page 17 |
| Minor children covered, also when living away for education | yes | „Das gilt unabhängig von der Dauer des Aufenthalts, solange die Person keinen eigenen …“ | Teil 1 § 1.1.2, page 41 |
| Worldwide territory (place of access and seat of the merchant) | no | „Versicherungsschutz besteht für Schadenfälle in Deutschland“ | Teil 2 § 2, page 28 |
| Covered devices: all privately used computers, smartphones, tablets and smart home devices | yes | „Versicherungsschutz besteht für Ihre privat gespeicherten Daten auf Personal Computern …“ | Teil 2 § 1.3, page 42 |
| Waiting period after inception | none | „Der ROLAND Rechtsschutz- Internetrechtsschutz hat keine Wartezeit.“ | Teil 1 § 3, page 42 |
| Deductible per claim | EUR 50 | „Von der Kostenübernahme ziehen wir die vereinbarte Selbstbeteiligung in Höhe von 50 EUR …“ | Teil 2 § 3 1.2 a), page 42 |
| 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) | no | „Mit dieser sorgen wir dafür, dass Sie nach Cyber-Mobbing im Internet Kostenschutz und …“ | IPID, page 8 |
| 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 | not addressed | ||
| 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 | „leiten eine psychologische Akutintervention für die betroffenen Personen ein.“ | Teil 2 § 3 1.2 c), page 42 |
| Removal or blocking of damaging content online | yes, up to EUR 5,000, excess EUR 50 | „Wir unterstützen Sie bei der Löschung rufschädigender Inhalte“ | Teil 2 § 3 1.2 a), page 42 |
| Online reputation repair (reputation service, search engine entries) | yes, up to EUR 30,000 | „in ein individuelles Reputationsmanagement überführt werden.“ | Teil 2 § 3 1.2 b), page 42 |
| Legal advice and representation against perpetrators of cyberbullying and online insults | yes | „wegen Schädigung Ihrer E-Reputation oder Identitätsmissbrauchs erstatten wollen.“ | Teil 1 § 1.1.3, page 41 |
| 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, up to EUR 500 | „Wir übernehmen die Kosten bis zu 500 EUR pro Kalenderjahr.“ | Teil 1 § 1.1.3, page 41 |
| Legal expenses for disputes from online purchase and service contracts | not addressed | ||
| Enforcing own data protection rights against companies and before data protection authorities | not addressed | ||
| Telephone legal advice by lawyers on internet matters | yes | „Für einen ersten telefonischen Rat oder eine erste telefonische Auskunft durch einen in …“ | Teil 1 § 1.1.3, page 41 |
Exclusions and obligations
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Cover also in case of gross negligence (for example disclosing credentials after deception) | no | „wenn das Ereignis von Ihnen vorsätzlich oder grob fahrlässig herbeigeführt“ | Teil 2 § 5 1.2, page 38 |
| 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 | yes | „dass Sie einen Strafantrag bei den zuständigen“ | Teil 2 § 3 1.2, page 42 |
| 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 | „Wir erbringen keine Leistungen, wenn das Ereignis durch Krieg,“ | Teil 2 § 5 1.1, page 43 |
| Exclusion of infrastructure outages (power, internet provider, cloud services) | not addressed | ||
| Exclusion of incidents that occurred or were known before inception | yes | „Wir erbringen keine Leistungen nach § 3, Teil 2 für solche Ereignisse, die bereits vor …“ | Teil 2 § 5 1.4, page 42 |
Contract and service
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| 24/7 emergency hotline for cyber incidents | yes | „ROLAND Schutzbrief ist „rund um die Uhr“ für die versicherte Person erreichbar.“ | Teil 2 § 1.1, page 37 |
| 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 | not addressed | ||
| Contract can be cancelled daily or monthly (instead of annual term) | not addressed |
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Policy wordings and provider
- Legal entity
- Die Haftpflichtkasse VVaG
- Distribution
- available through brokers
- Allgemeine Internet Rechtsschutz-Versicherungsbedingungen (JurCyber Privat) mit WebSecure-Schutzbrief, in den Verbraucherinformationen Hausratversicherung Edition: JurCyber Privat, Stand 01.03.2023 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 Die Haftpflichtkasse JurCyber Privat zur and available as
plain text.
Volltext Die Haftpflichtkasse JurCyber Privat zur Cyberversicherung privat · As text (Markdown) Die Haftpflichtkasse JurCyber Privat zur Personal cyber cover