Shop safely online: Your protection
With nextsure's online buyer protection insurance, you can comprehensively safeguard your online purchases. Shop without worry – we protect you against financial losses from non-delivery, fraud, or damaged goods.
Protection against Non-Delivery
Protection against fraud
Help with defective goods
Why online buyer protection insurance is indispensable today
Increase in Online Trading
Increasing Risk of Fraud
Financial Security
Worry-free Shopping
The most common risks of online shopping and how to protect yourself
Online shopping can pose numerous dangers that may dampen the shopping experience. Among the most common risks are: **Non-delivery**: You pay for the goods, but the seller either does not deliver or sends inferior imitations. **Fraud by fake shops**: Professionally made but fraudulent websites entice with attractive offers, take money, and disappear. **Phishing and data misuse**: Criminals attempt to capture your payment details or personal information. **Damaged or incorrect goods**: The product arrives faulty or does not match the description. **Issues with returns and refunds**: Sellers refuse to accept returns or delay the refund. To protect yourself, always shop with reputable sellers, choose secure payment methods, use complex passwords, and look out for quality seals. An online buyer protection insurance from nextsure additionally offers an important financial safeguard if preventive measures are not enough.
Your Benefits
Our Buyer Protection Overview
Quick Protection
Instant protection after purchase for your online shopping.
Fraud prevention
Protection against financial damage from online fraud schemes.
Protection against war
Protection when receiving damaged or incorrect products.
Delivery Guarantee
Purchase refund if your order does not arrive.
Digital Support
Simple claims reporting and fast processing entirely online.
Valid worldwide
Protection for your online purchases from suppliers worldwide.
No excess
Full cost coverage in the event of a claim, with no excess.
Legal assistance
Assistance with legal disputes with online retailers.
Flexibel
Our online buyer protection insurance offers flexible tariff options that you can adapt to your personal shopping behaviour and security needs. This way, you only pay for the protection you truly need.
Transparent and reliable – your shield on the web.
Any further questions on the topic?
Contact our experts!
Scope of Cover for nextsure Online Buyer Protection Insurance in Detail
The online buyer protection insurance from nextsure offers a comprehensive package to optimally safeguard your online shopping. At its core, our insurance covers the following scenarios: **Non-delivery of ordered and paid goods**: If you do not receive your product despite payment, we will refund the purchase price. **Delivery of incorrect or significantly different goods**: If the delivered product deviates significantly from the product description (e.g., colour, model, specifications) and the seller does not provide a solution. **Damage to goods during transport**: If the goods are defective upon arrival and the seller or carrier does not take responsibility. **No refund after a legitimate return**: You returned the goods within the deadline, but the retailer does not refund the purchase price. **Insolvency of the online retailer** before goods are dispatched. Depending on the insurance plan, additional cover such as protection for certain digital goods or reimbursement of return shipping costs may be included. Please refer to your individual contract documents for exact details and coverage limits. Our goal is to provide you with transparent and reliable protection for your online activities.
What to do in case of non-delivery? Step-by-step guide with buyer protection
It's frustrating: You've ordered online, paid, but the goods don't arrive. With an online buyer protection insurance from nextsure, you're not alone in such cases. Here's what to do: 1. Set a deadline for the seller: Contact the seller in writing (email is sufficient), set a reasonable deadline for delivery (e.g. 7-14 days), and indicate that you will cancel the contract otherwise. 2. Documentation: Gather all relevant documents: order confirmation, proof of payment, and all communication with the seller. 3. Seller doesn't respond/delivery fails: If the delivery doesn't occur after the deadline or the seller doesn't respond, report the case to your online buyer protection insurance. 4. Report the incident to nextsure: Submit all collected documents through our digital portal. Describe the situation precisely. 5. Review and reimbursement: We will review your case promptly. If the claim is justified, we will refund you the purchase price according to the insurance terms. Our experts will support you throughout the entire process.
Recognising and Preventing Online Fraud: Prevention and Protection
Online fraud takes many forms, from fake shops to phishing attacks. To protect yourself effectively, prevention is key. Watch out for the following warning signs: extremely low prices, missing or incomplete imprint, payment methods that are pre-payment only, poor language quality on the website, or noticeably many positive but generic reviews. Use secure internet connections (HTTPS), strong and unique passwords, and two-factor authentication wherever possible. Be skeptical of emails requesting personal data entry. Despite all precautions, it can happen that one becomes a victim of fraud. This is where nextsure's online buyer protection insurance comes into play: It protects you against financial losses caused by fraudulent online retailers by, for example, refunding the purchase price paid if no goods are delivered. We also support you in clarifying the situation and help to minimize the damage.
Received damaged goods? Here's how buyer protection helps you
You've been looking forward to your online order, but upon unpacking comes the unpleasant surprise: the goods are damaged or defective. In such cases, quick and proper action is required. **1. Document the damage**: Immediately take photos or videos of the damaged packaging (if applicable) and the defective product. Note the nature and extent of the damage. **2. Contact the seller**: Inform the online retailer promptly about the defect. Describe the damage and attach your evidence. Request a repair, replacement delivery, or a reduction or refund of the purchase price. Set an appropriate deadline for this. **3. Wait for the seller's response**: Reputable sellers will offer a solution. However, if the seller does not respond, denies responsibility, or proposes an unsatisfactory solution, your online purchase protection insurance comes into play. **4. Report the damage to nextsure**: Submit the case with all documents (proof of purchase, payment receipt, photos, communication with the seller) to us. We will review your claim and reimburse you for the damage according to the insurance terms, ensuring you're not left with the costs.
Cyber Protection
Security in Everyday Digital Life
Smartphone Protection
Optimal protection for your mobile device
Legal Protection Plus
Your rights, well represented
Buyer protection abroad: Is the insurance valid worldwide?
The globalisation of online commerce means that you can order products from suppliers around the world. But what about insurance coverage if the retailer is based abroad? nextsure's online buyer protection insurance is designed to provide you with security even when making international purchases. Generally, the cover is valid worldwide, as long as the purchase was made online and the other insurance conditions are met. This means you can also rely on our support in the event of problems such as non-delivery or receipt of damaged goods from a foreign shop. However, it is important to check the exact terms and any exclusions in your contract, as there may be restrictions for certain countries or regions. Our experts are happy to advise you on the details, so you can shop safely across borders.
Digital goods and services: Are they also insured?
Alongside physical products, digital goods and services are increasingly being purchased online—ranging from software licences to streaming subscriptions, e-books, or online courses. The question of whether these are also covered by an online buyer protection insurance is valid. Typically, buyer protection often focuses on tangible goods. However, at nextsure, we continuously assess how we can adapt our protection to meet the evolving needs of our digitally inclined customers. Therefore, certain plans of our online buyer protection insurance may include coverage for selected digital goods and services, such as when access to purchased software is denied or a paid online service is not delivered. It is essential to carefully review the specific coverage descriptions of your chosen plan or consult our specialists to gain clarity on the extent of coverage for intangible purchases.
Costs and Benefits: Is an Online Buyer Protection Insurance Worth It for You?
The decision to opt for an online buyer protection insurance involves weighing up the costs and benefits. The premium for such protection is often small compared to potential losses from fraud or undelivered goods. Consider how often you shop online and the average value of your orders. Particularly for high-value items or purchases from less well-known shops, the insurance can quickly pay off. The benefit lies not only in financial security but also in the peace of mind and time saving, as you won't have to deal with uncooperative sellers in the event of a claim. nextsure offers transparent rates tailored to your needs. An online buyer protection insurance is worthwhile for anyone who shops online regularly and values security and protection against financial risks – from Digital Anna to family man Markus.
What types of online purchases are covered by the insurance?
The completion of your online buyer protection insurance with nextsure is deliberately designed to be simple and fully digital, offering you maximum comfort. **1. Visit our website**: Navigate to the product page for online buyer protection insurance. **2. Use the rate calculator**: Enter a few anonymised details about your shopping behaviour to receive an initial premium estimate and select the appropriate plan. **3. Fill in the application online**: Complete the digital application form with your personal details. This only takes a few minutes. **4. Review and confirm details**: Carefully check all entries. **5. Digitally sign and submit**: Finalise the application with a secure digital signature. **6. Immediate protection (optional)**: Depending on the plan, your coverage can begin immediately upon application acceptance. You will conveniently receive all contract documents via email and can view them at any time in your digital customer portal. Our process is transparent, fast and meets the highest security standards – entirely in line with our digital-first philosophy.
