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VHV mit Online- und Digitalschutz: the policy wording in full
Zusatzbaustein Online- und Digitalschutz zur VHV Hausratversicherung mit Identitätsmissbrauch im Online-Banking bis 10.000 Euro, Käuferschutz bis 3.000 Euro, Verkäuferschutz bis 1.000 Euro und Kartenmissbrauch nach Einbruch oder Raub bis 10.000 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 VHV mit Online- und Digitalschutz.
Basics
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Sum insured per claim | yes, up to EUR 10,000 | „Die Entschädigung nach 1.1.1 – 1.1.3 ist je Versicherungsfall auf maximal 10.000 Euro …“ | C1 1.5, page 68 |
| 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 | no | „Diese Zusatzbedingungen mit ergänzendem Versicherungsschutz gelten für Ihren Vertrag“ | ZB Vorbemerkung, page 47 |
| Co-insured persons: spouse or partner and everyone in the same household | yes | „der Versicherungsnehmer oder eine mit ihm in häuslicher Gemeinschaft lebende Person“ | C2, page 18 |
| Minor children covered, also when living away for education | not addressed | ||
| Worldwide territory (place of access and seat of the merchant) | no | „die Vertragspartner (Käufer oder Verkäufer) ihren Wohn- bzw. Geschäftssitz innerhalb …“ | C2, page 68 |
| Covered devices: all privately used computers, smartphones, tablets and smart home devices | yes | „Alle Geräte, die zum Online-Banking genutzt werden“ | C1 1.2.1, page 59 |
| Waiting period after inception | not addressed | ||
| 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 | yes, up to EUR 3,000 | „die Ware nicht (ab Ablauf von 2 Wochen nach dem vereinbarten Liefertermin) oder nur …“ | C2 2.1 a), page 68 |
| Online sale: goods shipped, buyer does not pay | yes, up to EUR 1,000 | „der Käufer den Versicherungsnehmer oder eine mit ihm in häuslicher Gemeinschaft lebende …“ | C2 2.2 a), page 69 |
| Fraud by fake online shops | not addressed | ||
| Phishing and pharming: loss from fraudulent use of online banking | yes, up to EUR 10,000 | „beim privaten Online-Banking oder der Nutzung elektronischer Bezahlsysteme mit …“ | C1 1.1, page 68 |
| Misuse of payment cards online, including the cardholder liability towards the bank | yes, up to EUR 10,000 | „Es besteht Versicherungsschutz für Vermögensschäden durch den Missbrauch von Giro …“ | C3 3.1, page 49 |
| Misuse of payment services and customer accounts (PayPal, merchant accounts, platforms) | yes, up to EUR 10,000 | „elektronischer Bezahlsysteme mit Bank-Funktion (Beispiele: Paypal, Klarna)“ | C1 1.1, page 68 |
| Deception fraud where the insured makes the transfer (fake bank staff, romance scam, advance fee fraud) | not addressed | ||
| Crypto assets and digital wallets covered | no | „in Zusammenhang mit Kryptowährungen“ | C1 1.4 a), page 49 |
| Subsidiarity: benefit only if bank, card issuer or buyer protection do not pay | yes | „wenn das kontoführende Kreditinstitut bzw. der eingebundene Dienstleister / Anbieter …“ | C1 1.4 c), page 68 |
| Separate sublimit for fraud losses (below the sum insured) | yes, up to EUR 3,000 | „3.000 Euro für den Käuferschutz im Internet nach 2.1“ | C2 2.5 a), page 69 |
Identity theft
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Financial loss from identity theft (orders, contracts or accounts in the insured's name) | yes, up to EUR 10,000 | „Versichert sind Vermögensschäden, die Ihnen durch einen Identitätsmissbrauch entstehen.“ | C1, page 59 |
| 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 | not addressed | ||
| Removal or blocking of damaging content online | not addressed | ||
| Online reputation repair (reputation service, search engine entries) | not addressed | ||
| Legal advice and representation against perpetrators of cyberbullying and online insults | not addressed | ||
| 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) | not addressed | ||
| 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 | not addressed |
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 | yes | „müssen über einen Schutz gegen Schadsoftware verfügen, der automatisch auf dem …“ | C1 1.2.1, page 59 |
| 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 | yes | „Zugangskennungen, Passwörter oder ähnliche vertrauliche Informationen dürfen nicht an …“ | C1 1.2.2, page 59 |
| Obligation to file a police report, with deadline | yes | „den Vermögensschaden bei zuständigen Polizeidienststelle anzuzeigen.“ | C1 1.3.2 b), page 68 |
| Obligation to notify the bank or card issuer without delay and block cards or accounts | yes | „den Schaden unverzüglich seiner Bank zu melden und diese zur Begleichung des Schadens …“ | C1 1.3.2 a), page 68 |
| Exclusion of professional or commercial internet use (including side business, trading as a merchant) | not addressed | ||
| Exclusion of gambling, betting, investments and crypto trading | yes | „Kapitalgeschäften (z. B. Bargeld, Wertpapiere), Spekulationsgeschäften,“ | C2 2.4 b), page 70 |
| 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 | not addressed |
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 | not addressed | ||
| Contract can be cancelled daily or monthly (instead of annual term) | not addressed |
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.
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Policy wordings and provider
- Legal entity
- VHV Allgemeine Versicherung AG, VHV Vereinigte Hannoversche Versicherung a.G.
- Distribution
- brokers and direct
- Bedingungen Hausratversicherung mit ZB Online- und Digitalschutz (Cyberschutz) Edition: VHB 2025, ZB Online- und Digitalschutz 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 VHV mit Online- und Digitalschutz and available as plain text.
Volltext VHV mit Online- und Digitalschutz Cyberversicherung privat · As text (Markdown) VHV mit Online- und Digitalschutz Personal cyber cover