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WGV Cyberversicherung: the policy wording in full
Eigenständige Cyberversicherung für Privatpersonen mit Onlinekauf und Onlineverkauf von 50 bis 30.000 Euro, Identitätsmissbrauch, Daten- und Geräterettung, Löschservice, Cyber-Mobbing-Hilfe und telefonischer Rechtsberatung, zusammen bis 30.000 Euro je Kalenderjahr.
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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 WGV Cyberversicherung.
Basics
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Sum insured per claim | yes, up to EUR 30,000 | „Versichert sind nur Waren mit einem Kaufpreis (inkl. Versandkosten) zwischen 50 und …“ | A.3.1.1, page 8 |
| Annual aggregate limit for all claims in one policy year | yes, up to EUR 30,000 | „eine Jahreshöchstentschädigung von insgesamt maximal 30.000 EUR für alle unter A.3.1 …“ | A.3.11, page 10 |
| Contract form: stand-alone cyber policy or add-on to home contents, liability or legal expenses insurance | yes | „Wir bieten Ihnen eine Cyberversicherung für Privatpersonen an.“ | IPID, page 1 |
| Co-insured persons: spouse or partner and everyone in the same household | yes | „Versichert ist der Versicherungsnehmer und alle mit ihm in häuslicher Gemeinschaft …“ | A.1.1, page 8 |
| Minor children covered, also when living away for education | yes | „Eltern und Kinder,“ | A.1.1, page 8 |
| Worldwide territory (place of access and seat of the merchant) | yes | „Der Versicherungsschutz gilt weltweit. Dies gilt nur, sofern nach A.3.1.7 und A.3.2.5 …“ | A.2, page 8 |
| Covered devices: all privately used computers, smartphones, tablets and smart home devices | yes | „einschließlich verbundener Peripheriegeräte (z.B. Drucker, Wechseldatenträger, Router …“ | A.3.7.5, page 9 |
| 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 30,000 | „Versicherungsschutz besteht für die Nicht- oder Falschlieferung der versicherten Ware …“ | A.3.1.1, page 8 |
| Online sale: goods shipped, buyer does not pay | yes, up to EUR 30,000 | „der Versicherungsnehmer als Verkäufer beim Online-Verkauf von einem Dritten über seine …“ | A.3.2.2.1, page 9 |
| Fraud by fake online shops | yes, up to EUR 30,000 | „über ein Online-Portal gebucht wurde und“ | A.3.1.5, page 9 |
| Phishing and pharming: loss from fraudulent use of online banking | yes, up to EUR 30,000 | „Versichert sind auch Schäden durch Pharming, Phishing und Skimming.“ | A.3.3.3, page 9 |
| Misuse of payment cards online, including the cardholder liability towards the bank | yes, up to EUR 30,000 | „Versichert ist die mit dem Versicherungsnehmer vertraglich vereinbarte …“ | A.3.4.1, page 10 |
| Misuse of payment services and customer accounts (PayPal, merchant accounts, platforms) | yes, up to EUR 30,000 | „beim privaten Online-Banking oder der Nutzung sonstiger elektronischer Bezahlsysteme …“ | A.3.3.2.3, page 9 |
| 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 | „sowie digitalen Währungen (z.B. Bitcoins).“ | A.4.1.7, page 11 |
| Subsidiarity: benefit only if bank, card issuer or buyer protection do not pay | yes | „soweit eine Entschädigung aus einem anderen Versicherungsvertrag (z.B …“ | A.4.2.1, page 11 |
| 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, up to EUR 30,000 | „Versichert sind Vermögensschäden, die dem ... durch einen Identitätsmissbrauch entstehen.“ | A.3.3.1, page 2 |
| Identity restoration costs (authorities, reissuing IDs, postage, time) | yes, up to the sum insured | „Versichert sind die Wiederbeschaffungskosten von“ | A.3.5.1, page 2 |
| 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 | yes | „Versichert sind Serviceleistungen (Beratung und Unterstützung), die im Rahmen der …“ | A.3.6.1, page 10 |
Data and devices
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Data recovery and restoration of private data after a cyber attack or malware | yes, up to the sum insured | „die notwendigen und tatsächlich angefallenen Kosten für die Wiederherstellung der …“ | A.3.7.1, page 10 |
| Malware removal and restoration of devices (reinstallation) | not addressed | ||
| Replacement of devices rendered unusable by a cyber attack | yes, up to the sum insured | „die Kosten für die Reparatur oder die Wiederbeschaffung der durch die Online-Attacke …“ | A.3.7.5, page 9 |
| Extortion with encrypted or stolen data: advice and ransom | no | „für Schäden, die im Zusammenhang mit der Zahlung von Löse-/Erpressungsgeldern oder der …“ | A.4.2.3, page 11 |
| Attacks on connected home technology (smart home, cameras, routers) | yes, up to the sum insured | „Router, Smart-Home-Geräte“ | A.3.7.5, page 10 |
| 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 | „organisiert der Versicherer eine psychologische Erstberatung je Versicherungsfall und …“ | A.3.8.1, page 10 |
| Removal or blocking of damaging content online | yes, up to the sum insured | „In diesen Fällen beauftragt der Versicherer einen spezialisierten Dienstleister zur …“ | A.3.9.1, page 10 |
| Online reputation repair (reputation service, search engine entries) | yes, up to the sum insured | „Löschung oder Unterdrückung von Suchinhalten von Online-Inhalten“ | A.3.9.1, page 10 |
| Legal advice and representation against perpetrators of cyberbullying and online insults | yes | „Kosten-Abo-Falle, Cyber-Mobbing, rechtswidrige Veröffentlichung persönlicher Daten“ | A.3.10, page 10 |
| 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 | „private Urheberrechtsverstöße“ | A.3.10, page 10 |
| Legal expenses for disputes from online purchase and service contracts | yes | „mit Providern, Kosten-Abo-Falle“ | A.3.10, page 10 |
| Enforcing own data protection rights against companies and before data protection authorities | not addressed | ||
| Telephone legal advice by lawyers on internet matters | yes | „Der Versicherer vermittelt einen in Deutschland zugelassenen unabhängigen und …“ | A.3.10, page 10 |
Exclusions and obligations
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Cover also in case of gross negligence (for example disclosing credentials after deception) | yes | „die vereinbarten Pflichten als Kunde gegenüber dem Kreditkarten-, Zahlungs- oder …“ | A.3.3.4, page 9 |
| Exclusion of losses from transfers initiated by the insured | not addressed | ||
| Obligation to keep security software and updates current on all devices | yes | „sind auf internetfähigen Endgeräten stets wirkungsvolle und aktuelle Schutzprogramme …“ | B.3.3.1.1, page 2 |
| 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 | „Polizei anzuzeigen;“ | B.3.3.2.2.2, page 13 |
| Obligation to notify the bank or card issuer without delay and block cards or accounts | yes | „der Versicherungsnehmer die widerrechtliche Belastung des Kontos innerhalb von 48 …“ | A.3.4.2.2, page 9 |
| Exclusion of professional or commercial internet use (including side business, trading as a merchant) | yes | „für Schäden, die im Zusammenhang mit einer beruflichen oder gewerblichen Tätigkeit …“ | A.4.2.2, page 11 |
| Exclusion of gambling, betting, investments and crypto trading | yes | „im Zusammenhang mit pornographischen Inhalten, Lotterien, Preisausschreiben, Werbe …“ | A.4.1.7, page 11 |
| Exclusion of war, cyber war and state-sponsored attacks | yes | „auch im und/oder ausgehend vom virtuellen Raum (Cyberwar)“ | A.4.1.1, page 11 |
| Exclusion of infrastructure outages (power, internet provider, cloud services) | yes | „durch einen allgemeinen Ausfall/Unterbrechung/Störung des Netzes (Strom, Internet …“ | A.4.1.5, page 11 |
| Exclusion of incidents that occurred or were known before inception | yes | „für Kosten, die aus Schadenereignissen vor Beginn des Versicherungsschutzes resultieren;“ | A.4.2.4, page 11 |
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 | „Nach dem Eintritt eines Versicherungsfalls kann jede der Vertragsparteien den …“ | B.2.2.1, page 12 |
| Contract can be cancelled daily or monthly (instead of annual term) | yes | „Der Versicherungsnehmer kann den Vertrag täglich in Textform kündigen, frühestens …“ | B.2.1.2, page 12 |
Evaluated by NAMMERT from published policy wordings.
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Policy wordings and provider
- Legal entity
- WGV-Versicherung AG, Württembergische Gemeinde-Versicherung auf Gegenseitigkeit
- Distribution
- direct from the insurer only
- Vertragsunterlagen Cyberversicherung mit AVB Cyber 2023 Edition: AVB Cyber 2025 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 WGV Cyberversicherung and available as plain text.
Volltext WGV Cyberversicherung Cyberversicherung privat · As text (Markdown) WGV Cyberversicherung Personal cyber cover