Smartwatch/sports watch insurance (Hepster)

Insurable devices: new and used electronic devices including original accessories, uniquely identifiable via serial/IMEI number in the insurance certificate.

Insured events (Basis):

• Drop, breakage, sand, and liquid damage (as far as use/display/function is impaired)
• Mechanically applied force
• Fire, explosion, implosion, overvoltage, induction, short circuit
• Sabotage, vandalism
• Battery wear; battery/display damage (provided it is not a warranty/guarantee case)
• Intentional unlawful damage by unauthorized third parties
• Operating errors and improper handling

Extended variant additionally (theft module):

• Theft, if the device was carried securely in personal possession (constant visual/physical contact)
• Break-in theft from a locked car (non-visible area) or a locked house/apartment/room
• Robbery and looting (through the use of force, the threat of an act of violence, or removal after the loss of the ability to resist)

Territorial scope: worldwide; benefits are provided in Germany.

• The sum insured is not quantified in the IPID – it results from the insurance certificate.
• Entry price from €2.10/month (per the product page, as of July 2026).

• Removable storage media, auxiliary/operating materials, consumables, tools, separately/subsequently purchased accessories, software of any kind, devices delivered defective, instruments
• Devices with no known serial/IMEI number
• Devices manufactured or modified to customer specification
• Grossly negligent/intentional acts
• Battery wear, if maximum battery capacity falls below 60% or the device is older than 4 years
• Loss through leaving behind, forgetting, or misplacing (outside the insured theft scenarios)
• Damage that already existed before contract inception
• Damage covered under warranty/manufacturer's guarantee
• War, civil war, internal unrest, pandemics, nuclear energy/ionizing radiation, strikes/industrial action, seizure, acts of public authority

• No explicit waiting period stated in the IPID.
• No deductible stated as a percentage; a de facto coverage limit applies via the battery-wear age rule (60% performance loss / 4 years).

• Obligations include: reporting the serial/IMEI number within 2 weeks of receiving a new/replacement device; reporting a claim within 14 days online; in the case of theft/break-in theft/robbery/looting/vandalism/sabotage, filing a police report within 24 hours.
• Monthly subscription: minimum term 3 months, 3 business days' notice. Annual subscription: automatic renewal, same notice period.
• Anomaly in the source: one of the IPID copies in this PDF lists the Austrian claims portal/support contact (hepster.com/de-at/schaden, at@support.hepster.com, +43 (0) 506 / 330 33) instead of the German contact details – likely a copy/localization error in the source document, since the insurer/policyholder still name the German addresses (Hiscox Munich, MOINsure Rostock). Use the German contact details for the DE website: https://hepster.com/de-de/schaden, de@support.hepster.com, +49 (0) 381 / 203 888 00.