Comprehensive protection for your credit card
Optimally secure your credit cards against loss, theft, and misuse. Discover the credit card insurance from nextsure for worry-free payments worldwide and online.
Protection against card misuse
Protection against theft
Worldwide Validity
Why credit card protection insurance is indispensable
Financial Security in Case of Card Loss
Protection Against Online Fraud
Immediate Assistance in Emergencies
Worldwide Insurance Coverage
What exactly does credit card protection insurance offer?
A credit card protection insurance is a specialised coverage that safeguards you from the financial consequences that can arise from the loss, theft, or misuse of your credit card. It acts as an important complement to the often limited liability rules of card providers. Fundamentally, it covers unauthorised transactions made after the theft or loss of your card, often even before the card is blocked. Additionally, many policies include protection against skimming, phishing, or misuse of your card data in online payments. A good credit card protection can also cover the costs for obtaining replacement cards, emergency cash abroad, or even phone charges for blocking the card. nextsure offers you transparent and powerful plans that are precisely tailored to the risks of modern payment transactions. This way, you can continue to use your credit card flexibly and securely, both in everyday life and while travelling.
Your Benefits at nextsure
Comprehensive Credit Card Protection – Digital and Transparent
Protection against abuse
Worldwide protection against unauthorized transactions.
Theft protection
Protection against loss or theft of your card.
Online Protection
Security against phishing and data misuse on the internet.
Skimming Protection
Protection against ATM tampering.
Emergency Assistance
Quick support and emergency cash abroad.
Replacement card
Coverage of costs for issuing new cards.
Blocking Service
Support for immediate card blocking.
Low cost
Attractive contributions for comprehensive protection.
Digital Service
Easy online completion and quick claims reporting.
Discover our tailored services for your security.
Secure Your Finances
Calculate credit card protection now!
Detailed scope of services: These risks are covered
The exact scope of benefits for credit card protection insurance varies depending on the plan and provider. The core benefits to look out for primarily include coverage for financial damages resulting from fraudulent transactions after the theft or loss of your card. This often includes damages incurred from the use of stolen card data online (phishing, pharming, hacking). Many policies also cover the risk of skimming, where data is illegally read from ATMs. Another important aspect is protection against robbery or coercion, if you are forced to withdraw cash. Good plans often include the cost coverage for blocking the card, issuing a replacement card, and providing emergency cash abroad. Some insurers extend protection to include the misuse of payment data in mobile payment services or offer assistance services like a 24/7 hotline. At nextsure, we value a comprehensive and clear catalogue of services so that you know exactly what you are protected against.
The invaluable benefits of solid credit card protection
The benefits of credit card protection insurance extend far beyond simple claim settlement. First and foremost is financial security: in the event of fraud, you do not have to cover large sums that criminals have charged to your card. This protects your assets and saves you from potentially crippling financial burdens. Another significant advantage is the peace of mind gained. You can use your credit card more relaxedly both at home and abroad, as well as when shopping online, knowing that you are covered in an emergency. The insurance often also offers quick and straightforward assistance, for example through an emergency hotline that helps you block your card and initiate the next steps. This is invaluable, especially when travelling. Additionally, a good policy can have a preventative effect by providing information about current fraudulent schemes and tips for using your card safely. With nextsure, you benefit from a digital and customer-oriented service that provides swift and competent support in the event of a claim.
Who particularly benefits from credit card protection insurance?
In principle, credit card protection insurance is worth considering for every cardholder, as the risk of theft, loss, or misuse is commonplace. However, it is especially useful for certain groups of people. This includes frequent travellers who often use their credit cards abroad, where the risk of skimming or theft can be statistically higher and a quick card block along with emergency cash provision is crucial. It is also beneficial for those who regularly shop online and store their card details with various merchants, offering important protection against data misuse and phishing attacks. Furthermore, people who own multiple credit cards benefit as the administrative effort in the event of damage is eliminated for each individual card, and the protection is centralized. Additionally, enhanced protection can be useful for digitally savvy users who employ mobile payment services like Apple Pay or Google Pay. Ultimately, the insurance is recommended for anyone who values comprehensive financial security and wishes to protect themselves from the often high costs of card misuse. Nextsure is happy to advise you on which protection is optimal for your individual situation.
Costs and Tariff Options: What Influences the Contribution?
The cost of credit card protection insurance depends on various factors and varies between providers. A key factor is the scope of the insured services. Policies with higher coverage amounts, protection against more risks (e.g., online fraud, skimming), and additional assistance services are generally more expensive than basic tariffs. The level of excess in the event of a claim also plays a role: tariffs with no or low excess tend to have higher premiums. Some insurers also scale premiums based on the number of cards to be insured or offer family packages. The chosen contract duration can also influence the price. To find the right tariff, you should focus not only on the price but especially on the value for money. Compare the included services carefully and assess which risks are most relevant for you personally. nextsure relies on transparent tariff models that allow you to choose the protection that suits your needs and budget. Use our digital comparison tools or get advice from our experts.
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Claim – What to do in an Emergency? A Step-by-Step Guide
If you notice a loss, theft, or misuse of your credit card, it's crucial to act quickly and correctly to minimise damage and preserve your insurance claims. **Step 1: Immediately block the card.** Contact the central emergency blocking number 116 116 (from abroad with the country code for Germany) or your card-issuing bank directly. Note the time of the call and the name of the employee. **Step 2: Inform the insurance company.** Report the claim to your credit card protection insurance without delay. nextsure provides simple digital reporting methods for this purpose. Have your contract number and details of the incident ready. **Step 3: File a report with the police.** Especially in cases of theft or obvious fraud, a police report is mandatory. Obtain a copy of the report for your records and the insurance. **Step 4: Document unauthorised transactions.** Carefully check your credit card statements for unauthorised transactions and challenge them in writing with your bank. Collect all relevant receipts and correspondence. **Step 5: Follow the insurance company’s instructions.** Your insurance company will inform you of the next steps and request any necessary documents. Cooperative and prompt collaboration on your part will accelerate the claims settlement process.
Providers and conditions compared: What you should pay attention to
The market for credit card protection insurance is diverse, with offers varying significantly in terms of coverage and costs. To find the optimal protection for you, a careful comparison is essential. Firstly, pay attention to the amount of coverage: it should be sufficient to fully cover potential damages. Check in detail which risks are included in the insurance coverage. Are online fraud, skimming, or the loss of cash after a withdrawal covered? An important aspect is also the regulation of the deductible – is there one, and if so, how high is it? Compare the terms for coverage abroad, especially if you travel frequently. Note the notice periods and contract durations. Apart from the pure conditions, the provider's service also plays a role: how good is their accessibility in the event of a claim? Are digital reporting methods offered? Independent comparison portals can provide an initial orientation but do not replace a thorough examination of the insurance terms (AVB). nextsure stands out with a clear focus on digital processes, transparent service descriptions, and customer-oriented service, enabling you to make an informed decision.
More than just basic protection: Meaningful supplementary benefits and extensions
Many credit card protection insurance policies offer meaningful additional services and expansion options beyond mere protection against financial loss, which can enhance insurance coverage and tailor it to individual needs. A common extension is protection for additional cards in the household, such as partner cards or family members' cards, often at discounted rates. Some policies include an internet protection letter that goes beyond mere credit card misuse, providing coverage, for example, in cases of identity theft online or cyberbullying. For frequent travellers, additional services such as overseas travel health insurance, luggage insurance, or travel cancellation insurance, offered as a package with credit card protection, can be attractive. Assistance services like a 24-hour emergency hotline, which not only helps with card blocking but also with organising replacement documents or arranging lawyers abroad, provide real added value. Check which additional components are relevant for your life situation. nextsure offers you flexible and modular solutions, so you can tailor your insurance coverage to your needs and only pay for what you really require.
Is credit card protection insurance also sensible for NFC-enabled cards?
In an increasingly digital world where credit cards are an essential means of payment, nextsure, as an innovative insurtech company, offers you customised and transparent protection for your finances. Our credit card protection insurance is specifically designed to effectively tackle modern risks such as online fraud, skimming, and data misuse. We understand the needs of digitally savvy customers and therefore offer you a fully digitalised sign-up process, intuitive contract management, and fast and uncomplicated online claims reporting. Our mission is to provide you, as a digital insurance portal, with comprehensive niche insurance and bespoke protection solutions. The credit card protection insurance is an important component of our portfolio, ensuring you safety and peace of mind in everyday transactions and while travelling. Trust in the expertise of nextsure and benefit from our unique combination of niche portfolio, expert advice, and efficient digital processes. Protect what is important to you – simple, understandable, and secure with nextsure.
