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Württembergische CyberPlus zur: the policy wording in full
Zusatzdeckung CyberPlus zur Hausratversicherung mit Kontomissbrauch, Onlinekauf und Onlineverkauf bis 5.000 Euro, Datenrettung, Datenlöschung und Cyber-Mobbing-Hilfe bis je 1.000 Euro, insgesamt 15.000 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 Württembergische CyberPlus zur.
Basics
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Sum insured per claim | yes, up to EUR 15,000 | „Die maximale Entschädigung innerhalb eines Kalenderjahres beträgt 15.000 EUR.“ | § 6, page 3 |
| Annual aggregate limit for all claims in one policy year | yes, up to EUR 15,000 | „Die maximale Entschädigung innerhalb eines Kalenderjahres beträgt 15.000 EUR.“ | § 6, page 3 |
| Contract form: stand-alone cyber policy or add-on to home contents, liability or legal expenses insurance | no | „Es gelten die vereinbarten Bestimmungen des Hauptvertrags und der dazu gehörenden …“ | § 1, page 2 |
| Co-insured persons: spouse or partner and everyone in the same household | yes | „Versichert sind der Versicherungsnehmer und alle mit ihm in häuslicher Gemeinschaft …“ | § 2, page 2 |
| Minor children covered, also when living away for education | yes | „sind auch Kinder, die vorübergehend nicht mit dem Versicherungsnehmer in häuslicher …“ | § 2, page 2 |
| Worldwide territory (place of access and seat of the merchant) | yes | „Es besteht weltweiter Versicherungsschutz, sofern nicht in § 5 eine andere Regelung …“ | § 3, page 2 |
| Covered devices: all privately used computers, smartphones, tablets and smart home devices | yes | „Computersysteme sind Computer und elektronische Geräte (z. B. Smartphones, Laptops und …“ | § 4 Nr. 1, page 2 |
| 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 5,000 | „die Ware, Tickets, Gutscheine oder Download Codes wurden ihr nicht innerhalb eines …“ | § 5 Nr. 3 a) aa), page 2 |
| Online sale: goods shipped, buyer does not pay | yes, up to EUR 5,000 | „Die versicherte Person hat eine Ware (körperlicher Gegenstand) über das Internet …“ | § 5 Nr. 4 a), page 2 |
| Fraud by fake online shops | yes, up to EUR 5,000 | „über das Internet bei einem gewerblichen Händler gekauft“ | § 5 Nr. 3 a), page 2 |
| Phishing and pharming: loss from fraudulent use of online banking | yes, up to EUR 15,000 | „verfügte ein Dritter unberechtigt zur Erlangung eines Vermögensvorteils über eines der …“ | § 5 Nr. 1 a), page 2 |
| Misuse of payment cards online, including the cardholder liability towards the bank | yes | „Entschädigt ein Kreditinstitut den unberechtigt verfügten Betrag, ersetzt der …“ | § 5 Nr. 1 c), page 2 |
| Misuse of payment services and customer accounts (PayPal, merchant accounts, platforms) | yes, up to EUR 15,000 | „elektronische Bezahlsysteme mit Bank-Funktion (z. B. PayPal, Click&Buy, Giropay …“ | § 5 Nr. 1 a) bb), page 2 |
| 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 | „dem Verlust oder die Beschädigung von Kryptowährungen (z. B. Bitcoins)“ | § 8 Nr. 5 b), page 3 |
| Subsidiarity: benefit only if bank, card issuer or buyer protection do not pay | yes | „Nicht versichert sind Schäden, soweit dafür anderweitig Versicherungsschutz besteht …“ | § 8 Nr. 8, page 3 |
| 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 15,000 | „Der Versicherer ersetzt den unberechtigt verfügten Betrag oder den Vermögensschaden …“ | § 5 Nr. 1 b), page 1 |
| Identity restoration costs (authorities, reissuing IDs, postage, time) | yes, up to EUR 250 | „Der Versicherer übernimmt die Kosten, die die Bank oder die zuständige Behörde für eine …“ | § 5 Nr. 2 b), 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 | 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 1,000 | „Der Versicherer ersetzt die nachweislich entstandenen, notwendigen Kosten für einen auf …“ | § 5 Nr. 5 b), page 2 |
| 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 | no | „Keine Entschädigung wird geleistet für Zahlungen von Geld oder Vermögenswerten, die die …“ | § 8 Nr. 7, page 3 |
| 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 EUR 1,000 | „Der Versicherer ersetzt die nachweislich entstandenen Kosten für eine psychologische …“ | § 5 Nr. 7 b), page 3 |
| Removal or blocking of damaging content online | yes, up to EUR 1,000 | „Der Versicherer ersetzt die nachweislich entstandenen, notwendigen Kosten für einen auf …“ | § 5 Nr. 6 b), page 2 |
| Online reputation repair (reputation service, search engine entries) | not addressed | ||
| Legal advice and representation against perpetrators of cyberbullying and online insults | yes | „vermittelt der Versicherer eine telefonische Erstberatung durch einen in Deutschland …“ | § 7, page 3 |
| 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 | yes | „vermittelt der Versicherer eine telefonische Erstberatung durch einen in Deutschland …“ | § 7, page 3 |
Exclusions and obligations
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Cover also in case of gross negligence (for example disclosing credentials after deception) | no | „Nicht versichert sind Schäden, die durch den Versicherungsnehmer oder eine versicherte …“ | § 8 Nr. 1, 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 | „müssen die internetfähigen Endgeräte mit einer aktuellen Antivirensoftware ausgestattet …“ | § 9 Nr. 1, page 4 |
| Obligation to back up data regularly as a condition for data recovery | none | „Eine regelmäßige Datensicherung erhöht die“ | § 5 Nr. 5 b), page 3 |
| Requirements on passwords, two-factor login and safe storage of credentials | not addressed | ||
| Obligation to file a police report, with deadline | yes | „den Versicherungsfall unverzüglich der zuständigen Polizeidienststelle anzuzeigen;“ | § 9 Nr. 2 a), page 4 |
| Obligation to notify the bank or card issuer without delay and block cards or accounts | yes | „den Versicherungsfall unverzüglich beim kontoführenden Kreditinstitut oder beim …“ | § 9 Nr. 2 b), page 3 |
| Exclusion of professional or commercial internet use (including side business, trading as a merchant) | yes | „Nicht versichert sind Schäden, die im Zusammenhang mit der beruflichen oder …“ | § 8 Nr. 10, page 3 |
| Exclusion of gambling, betting, investments and crypto trading | yes | „Verluste im Zusammenhang mit der Vermittlung, des Kaufs oder Verkaufs von Wertpapieren …“ | § 8 Nr. 5 a), page 3 |
| Exclusion of war, cyber war and state-sponsored attacks | yes | „anderen feindseligen Handlungen (auch Cyberwar), Aufruhr, inneren Unruhen, Terrorakten“ | § 8 Nr. 3, page 3 |
| Exclusion of infrastructure outages (power, internet provider, cloud services) | yes | „Störungen von Internet-, Kabel-, Funk-, Satellit-, Telekommunikationsverbindungen,“ | § 8 Nr. 4 c), page 3 |
| Exclusion of incidents that occurred or were known before inception | yes | „Nicht versichert sind Schäden im Zusammenhang mit Mängeln, Fehlern oder Vorkommnissen …“ | § 8 Nr. 2, page 2 |
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“ | § 10 Nr. 2, page 3 |
| Contract can be cancelled daily or monthly (instead of annual term) | no | „Versicherungsnehmer und Versicherer können unter Einhaltung einer Frist von drei …“ | § 10 Nr. 1, page 4 |
Evaluated by NAMMERT from published policy wordings.
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Policy wordings and provider
- Legal entity
- Württembergische Versicherung Aktiengesellschaft
- Distribution
- brokers and direct
- Besondere Bedingungen CyberPlus (BB CyberPlus 2025) Edition: BB CyberPlus 2025, Formular 1552 Stand 01.03.2025 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 Württembergische CyberPlus zur and available as plain text.
Volltext Württembergische CyberPlus zur Cyberversicherung privat · As text (Markdown) Württembergische CyberPlus zur Personal cyber cover