Cyber Insurance Private: Comprehensive protection against digital threats for you and your family
17 Apr 2025
Katrin Straub
Managing Director at nextsure
Cyberattacks are increasing daily and often catch individuals unprepared. A personal cyber insurance provides important protection against financial loss and stress. Learn how to secure your digital world.
The topic in brief and concise terms
A personal cyber insurance policy protects against financial losses from online fraud, identity theft, and data loss, all of which are becoming increasingly common.
Preventive measures such as strong passwords, two-factor authentication, and regular software updates are crucial to minimise the risk of cyber attacks.
In the event of damage, it is important to act quickly: secure evidence, change passwords, inform the bank and police, and utilize the coverage from Cyber Insurance Private.
Digital Threats for Individuals: Understanding the Extent
Cybercrime is a real threat to individuals. In 2023, 67 percent of internet users in Germany were affected. Phishing attacks increased worldwide by almost 60 percent in 2023. The average damage per incident can quickly amount to several hundred euros. These figures highlight the necessity of good protection.
Many people significantly underestimate the emotional strain after a cyberattack. In addition to financial losses, the loss of trust is often severe. A cyber legal protection insurance can provide initial help here. The threats are diverse and constantly evolving.
Identity Theft: When Strangers Take Over Your Life
About one in ten adults in Germany has already been a victim of identity theft. Criminals use stolen data for online orders or to open accounts. Watch out for unusual account activity or bills for unknown orders. These are the initial warning signs of a possible misuse of your data.
Act immediately if you suspect something. Secure evidence through screenshots and change all relevant passwords. Inform your bank and report to the police. Quick protection against identity theft minimises the damage. Prevention begins with strong, unique passwords for each service.
The following measures can help prevent identity theft:
Use complex passwords and change them regularly, at least every three months.
Enable two-factor authentication (2FA) wherever possible, as this greatly increases security.
Be sparing with the sharing of personal data, especially on social networks.
Regularly check your account statements and credit card bills for unknown transactions.
These steps help significantly reduce the risk of identity theft.
Online Shopping and Banking: Cleverly Navigating the Risks
Fraud in online shopping causes significant damage annually. Fake shops and phishing emails target your payment data. Be suspicious of extremely cheap offers or if only prepayment is possible.
An online buyer protection insurance provides additional security. Pay attention to secure connections (HTTPS) and well-known quality seals. Over 90 percent of successful cyberattacks start with a phishing email. Therefore, be especially vigilant with emails that ask for bank details.
Our expert tip: Use separate accounts or credit cards with a low limit for online payments. This significantly limits the potential damage in the event of fraud. Furthermore, carefully check sender addresses of emails before clicking on links or opening attachments.
Cyberbullying: The Invisible Weapon on the Internet
Cyberbullying affects almost two million students in Germany. 61 per cent of 14- to 17-year-olds had experiences with it in 2023. The attacks range from insults to the distribution of private images. The psychological consequences for victims are often severe and long-lasting.
Document incidents of bullying with screenshots. Inform platform operators and lodge a complaint. A private cyber insurance can include initial psychological counselling and legal protection. The Copyright Act (§ 22 KunstUrhG) and sections like § 185 StGB (insult) provide legal measures. Discuss the issue openly to strengthen prevention.
Important steps in cases of cyberbullying are:
Secure evidence (screenshots, chat logs).
Block perpetrators and report them to the platform.
Inform trusted persons (parents, teachers, friends).
If bullying persists, file a complaint with the police.
Seek professional help, for example through counselling centres.
These measures help victims to actively defend themselves.
Coverage of a Personal Cyber Insurance: What is Included?
A private cyber insurance typically covers financial losses due to identity theft. It often includes fraud during online shopping. Covering the cost of data recovery after hacker attacks is another important component. Many policies also offer initial psychological counselling for cyberbullying.
Pay attention to the maximum compensation per insurance claim. Check whether an excess is agreed and how much it is. The scope of coverage can vary significantly depending on the provider and plan. Compare offers carefully to find the right protection for your needs. Sometimes, specific risks such as those with a crypto wallet insurance are also covered.
Our expert tip: Check which cyber risks are already covered by existing insurances (e.g., contents, liability). This way, you can avoid duplicate insurance and optimize costs. Consulting with experts like nextsure can provide clarity here.
Costs and Selection Criteria: Finding the Right Policy
The cost of personal cyber insurance often starts at just a few euros per month. It depends on factors such as the insured sum and the deductible. Comprehensive coverage for the entire family can be available from around ten euros monthly. Compare the services closely, not just the price.
Important selection criteria include:
The level of insured sums for different types of damage (e.g., 15,000 euros for online banking fraud).
Extent of assistance services (e.g., 24/7 hotline, IT forensic experts).
Coverage of costs for data recovery and restoration (e.g., up to 5,000 euros).
Inclusion of legal protection for copyright infringement or cyberbullying.
Protection for all household members and their devices, including mobile devices.
A low deductible, for example, 100 euros, is often advantageous. Pay attention to clear and understandable contract terms. A gaming hardware insurance can be sensible for special needs. This way, you are optimally secured.
Prevention and Action Recommendations: Safe in Everyday Digital Life
Active prevention significantly reduces your risk of cyberattacks. Use a unique, strong password with at least twelve characters for each online service. Enable two-factor authentication (2FA) for added security. Be careful about sharing personal information online.
Install up-to-date security software on all devices. Regularly update operating systems and applications. 85 percent of all data breaches are due to human error or social engineering. Educate yourself and your family on handling digital media. nextsure is pleased to offer you tailored advice on this matter.
Our expert tip: Create an emergency plan in case of a cyberattack. It should include important phone numbers (bank, insurance, police) and initial steps. Discuss this plan with all family members so everyone knows what to do in an emergency. This can reduce response time by up to 30 percent.
More useful links
Polizei-Beratung offers comprehensive information on media literacy and online security.
The Consumer Advice Centre provides an emergency checklist for dealing with internet crime.
The Consumer Advice Centre informs you on how you might try to recover your money following online fraud.
Bitkom releases a press statement with current statistics on cybercrime in Germany.
FAQ
Was genau leistet die Cyber Versicherung Privat von nextsure?
Unsere Cyber Versicherung Privat bietet einen umfassenden Schutz, der individuell auf Ihre Bedürfnisse zugeschnitten werden kann. Dazu gehören typischerweise der Schutz vor finanziellen Schäden bei Online-Betrug, Identitätsmissbrauch, Datenverlust durch Hackerangriffe sowie Unterstützung bei Cybermobbing. Kontaktieren Sie uns für eine detaillierte Beratung.
Sind auch meine Familienmitglieder über die Cyber Versicherung Privat mitversichert?
Ja, in vielen Tarifen der Cyber Versicherung Privat sind Partner und im Haushalt lebende Kinder mitversichert. Die genauen Bedingungen können je nach gewähltem Tarif variieren. Wir beraten Sie gerne zu den passenden Optionen für Ihre Familie.
Übernimmt die Versicherung die Kosten für eine professionelle Datenrettung?
Ja, die Übernahme der Kosten für eine professionelle Datenrettung, beispielsweise nach einem Ransomware-Angriff, ist häufig ein Bestandteil der Cyber Versicherung Privat. Die Höhe der Kostenübernahme ist in den Vertragsbedingungen festgelegt und kann bis zu mehreren tausend Euro betragen.
Was muss ich im Schadensfall tun, um Leistungen aus meiner Cyber Versicherung Privat zu erhalten?
Melden Sie den Schaden unverzüglich Ihrer Versicherung. Dokumentieren Sie den Vorfall so detailliert wie möglich (z.B. Screenshots, Polizeiprotokoll). Unsere Experten unterstützen Sie dann bei den weiteren Schritten und der Schadensregulierung.
Welche Präventionsmaßnahmen empfiehlt nextsure?
Wir empfehlen dringend die Nutzung starker, einzigartiger Passwörter, die Aktivierung der Zwei-Faktor-Authentifizierung, regelmäßige Software-Updates, Vorsicht bei E-Mails und Downloads sowie eine gesunde Skepsis im Internet. Eine Cyber Versicherung Privat ergänzt diese Maßnahmen ideal.
Gibt es eine Mindestvertragslaufzeit für die Cyber Versicherung Privat?
Die Mindestvertragslaufzeit beträgt in der Regel ein Jahr. Details zu Kündigungsfristen und Vertragsverlängerungen finden Sie in Ihren individuellen Vertragsunterlagen. Wir setzen auf transparente und faire Konditionen.
