Private legal protection, «Wohnen & Alltag» module (includes online purchases, card/identity misuse, cyberbullying)
AXA-ARAG
Policy terms: Ausgabe 2021 (PDF erstellt 17.12.2024)
only via the provider’s calculator
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Misuse of card, Twint, e-banking: only lawyer and proceedings, not the lost money covered
Only legal costs (lawyer, court, expert opinions), not the lost amount itself. Covered is claiming damages in the event of credit card misuse on the internet (against the party causing the loss). Whether a dispute with the bank or card issuer about the chargeback counts as a «contract for private use» (B2.15) is not expressly regulated; financial transactions are excluded (A7 let. h). Limit = sum insured according to the policy (example on the product page CHF 300'000, max. CHF 1 million per year). No waiting period.
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Online purchase: only lawyer and proceedings, not the lost money covered
Only legal costs (lawyer, court, expert opinions), not the lost amount itself. Dispute with the merchant over online shopping (B2.15). The product page names fake shops under damages (B2.16). The purchase price is not compensated; however, instead of litigating, AXA-ARAG may pay out the disputed claim (litigation buy-out, A8). No waiting period.
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Online sale unclear
B2.15 names contracts «for your private use», with examples only on the buyer’s side. Whether a private online sale falls under this is not expressly regulated. Collection arising from an insured case would be covered (A5).
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Identity theft: only lawyer and proceedings, not the lost money covered
Only legal costs (lawyer, court, expert opinions), not the lost amount itself. Claiming damages in the event of identity misuse on the internet. The loss must have been caused during the insurance period.
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Cyberbullying and defamation: only lawyer and proceedings, not the lost money covered
Legal costs in the event of a violation of personality rights (insult, defamation, slander) and cyberbullying. No cover in the case of own provocation or in connection with political/religious activity. No costs for a deletion service or psychological help named.
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Data recovery no information
Not regulated in the document.
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Extortion unclear
Extortion/sextortion not expressly named; depending on the case, violation of personality rights (B2.17) or damages (B2.16). Ransom is not paid.
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Hacked accounts: only lawyer and proceedings, not the lost money limited
The product page names «account misuse» as an example of claims for damages. Only legal costs for damages are covered, no help in restoring the account.
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Internet legal protection: only lawyer and proceedings, not the lost money covered
Limit CHF 1'000'000. Internet cases are included in the «Wohnen & Alltag» module (B2.15 online contracts, B2.16 card/identity misuse, B2.17 cyberbullying, B2.20 copyright). Limit = maximum sum for all cases per insurance year; the sum per policy is chosen. Worldwide validity (A3), no waiting period. Waiver of the reduction for gross negligence (A8).
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Liability on the internet: only lawyer and proceedings, not the lost money limited
Defence against third-party claims is excluded in principle (A7 let. c). Exception copyright: defence against claims for damages is also insured (e.g. a cease-and-desist letter because of a download).
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Smart home no information
Not regulated in the document.
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IT help without a loss: only lawyer and proceedings, not the lost money limited
Only legal advice; tips also in non-insured cases. No IT help.
Key facts and terms
- Price
- only via the provider’s calculator
- Type
- Part of a legal protection insurance
- Deductible
- not stated
Price only via the calculator. Example on the product page: individual with the modules Wohnen & Alltag, Verkehr & Reisen, Gesundheit & Personenversicherungen CHF 157.90/year (deductible CHF 2'000, sum insured CHF 300'000); basic protection with three modules «from CHF 150 per year». Family price and price for the Wohnen & Alltag module alone not public. Deductible selectable (policy).
Exclusions (5)
Exclusions
- Securities, cryptocurrencies, financial, speculative and investment transactions as well as gambling and betting are excluded (investment fraud, crypto fraud).
Where does it say so? (exclusion)
Rechtsschutzversicherung Privatpersonen – Allgemeine Vertragsbedingungen (AVB), Module B bis H, Ausgabe 2021 (PDF erstellt 17.12.2024), Ziff. A7 lit. h, PDF-S. 4
«dem Kauf und Verkauf von Wertpapieren und Kryptowährungen, anderen Finanz-, Spekulations- und Anlagegeschäften, Vermögensverwaltung, Spiel und Wette»
Open document: Rechtsschutzversicherung Privatpersonen – Allgemeine Vertragsbedingungen (AVB), Module B bis H (opens in a new window), retrieved 06.11.2026
- Defence against third-party claims for damages is not insured (exception copyright B2.20).
Where does it say so? (exclusion)
Rechtsschutzversicherung Privatpersonen – Allgemeine Vertragsbedingungen (AVB), Module B bis H, Ausgabe 2021 (PDF erstellt 17.12.2024), Ziff. A7 lit. c, PDF-S. 4
«der Abwehr von ausservertraglichen Schadenersatz- und Genugtuungsforderungen, die an Sie gestellt werden.»
Open document: Rechtsschutzversicherung Privatpersonen – Allgemeine Vertragsbedingungen (AVB), Module B bis H (opens in a new window), retrieved 06.11.2026
- The deductible according to the policy applies per legal case (not for internal advice).
Where does it say so? (exclusion)
Rechtsschutzversicherung Privatpersonen – Allgemeine Vertragsbedingungen (AVB), Module B bis H, Ausgabe 2021 (PDF erstellt 17.12.2024), Ziff. A6, PDF-S. 4
«Der von Ihnen gewählte Selbstbehalt ist in der Police aufgeführt und fällt pro Rechtsfall an.»
Open document: Rechtsschutzversicherung Privatpersonen – Allgemeine Vertragsbedingungen (AVB), Module B bis H (opens in a new window), retrieved 06.11.2026
- The triggering event and the need for legal assistance must occur during the insurance period; pre-existing cases are not covered.
Where does it say so? (exclusion)
Rechtsschutzversicherung Privatpersonen – Allgemeine Vertragsbedingungen (AVB), Module B bis H, Ausgabe 2021 (PDF erstellt 17.12.2024), Ziff. A4, PDF-S. 2
«Versicherungsschutz besteht für Rechtsfälle, bei denen das auslösende Ereignis und der Bedarf an Rechtsschutz während der Versicherungsdauer eintreten»
Open document: Rechtsschutzversicherung Privatpersonen – Allgemeine Vertragsbedingungen (AVB), Module B bis H (opens in a new window), retrieved 06.11.2026
- Violation of personality rights: no cover in the case of own provocation or political/religious activity.
Where does it say so? (exclusion)
Rechtsschutzversicherung Privatpersonen – Allgemeine Vertragsbedingungen (AVB), Module B bis H, Ausgabe 2021 (PDF erstellt 17.12.2024), Ziff. B2.17, PDF-S. 7
«Wenn Sie durch eigene Provokation Anlass zur Persönlichkeitsverletzung gegeben haben»
Open document: Rechtsschutzversicherung Privatpersonen – Allgemeine Vertragsbedingungen (AVB), Module B bis H (opens in a new window), retrieved 06.11.2026
All values as a table
| Module | Status | Limit | What applies | Source |
|---|---|---|---|---|
| Misuse of card, Twint, e-banking | covered : only lawyer and proceedings, not the lost money | not stated | Only legal costs (lawyer, court, expert opinions), not the lost amount itself. Covered is claiming damages in the event of credit card misuse on the internet (against the party causing the loss). Whether a dispute with the bank or card issuer about the chargeback counts as a «contract for private use» (B2.15) is not expressly regulated; financial transactions are excluded (A7 let. h). Limit = sum insured according to the policy (example on the product page CHF 300'000, max. CHF 1 million per year). No waiting period. | Where does it say so? (Misuse of card, Twint, e-banking)Rechtsschutzversicherung Privatpersonen – Allgemeine Vertragsbedingungen (AVB), Module B bis H, Ausgabe 2021 (PDF erstellt 17.12.2024), Ziff. B2.16, PDF-S. 7 «Einfordern Ihrer ausservertraglichen Schadenersatzansprüche – auch bei Kreditkarten- oder Identitätsmissbrauch im Internet» Open document: Rechtsschutzversicherung Privatpersonen – Allgemeine Vertragsbedingungen (AVB), Module B bis H (opens in a new window), retrieved 06.11.2026 |
| Online purchase | covered : only lawyer and proceedings, not the lost money | not stated | Only legal costs (lawyer, court, expert opinions), not the lost amount itself. Dispute with the merchant over online shopping (B2.15). The product page names fake shops under damages (B2.16). The purchase price is not compensated; however, instead of litigating, AXA-ARAG may pay out the disputed claim (litigation buy-out, A8). No waiting period. | Where does it say so? (Online purchase)Rechtsschutzversicherung Privatpersonen – Allgemeine Vertragsbedingungen (AVB), Module B bis H, Ausgabe 2021 (PDF erstellt 17.12.2024), Ziff. B2.15, PDF-S. 7 «Streitigkeiten aus Verträgen für Ihren Privatgebrauch (z. B. Einkäufe, Onlineshopping, Handy- und Fitness-Abos, Restaurant- und Coiffeurbesuche, Freizeitangebote)» Open document: Rechtsschutzversicherung Privatpersonen – Allgemeine Vertragsbedingungen (AVB), Module B bis H (opens in a new window), retrieved 06.11.2026 |
| Online sale | unclear | not stated | B2.15 names contracts «for your private use», with examples only on the buyer’s side. Whether a private online sale falls under this is not expressly regulated. Collection arising from an insured case would be covered (A5). | Where does it say so? (Online sale)Rechtsschutzversicherung Privatpersonen – Allgemeine Vertragsbedingungen (AVB), Module B bis H, Ausgabe 2021 (PDF erstellt 17.12.2024), Ziff. B2.15, PDF-S. 7 «Streitigkeiten aus Verträgen für Ihren Privatgebrauch» Open document: Rechtsschutzversicherung Privatpersonen – Allgemeine Vertragsbedingungen (AVB), Module B bis H (opens in a new window), retrieved 06.11.2026 |
| Identity theft | covered : only lawyer and proceedings, not the lost money | not stated | Only legal costs (lawyer, court, expert opinions), not the lost amount itself. Claiming damages in the event of identity misuse on the internet. The loss must have been caused during the insurance period. | Where does it say so? (Identity theft)Rechtsschutzversicherung Privatpersonen – Allgemeine Vertragsbedingungen (AVB), Module B bis H, Ausgabe 2021 (PDF erstellt 17.12.2024), Ziff. B2.16, PDF-S. 7 «Einfordern Ihrer ausservertraglichen Schadenersatzansprüche – auch bei Kreditkarten- oder Identitätsmissbrauch im Internet» Open document: Rechtsschutzversicherung Privatpersonen – Allgemeine Vertragsbedingungen (AVB), Module B bis H (opens in a new window), retrieved 06.11.2026 |
| Cyberbullying and defamation | covered : only lawyer and proceedings, not the lost money | not stated | Legal costs in the event of a violation of personality rights (insult, defamation, slander) and cyberbullying. No cover in the case of own provocation or in connection with political/religious activity. No costs for a deletion service or psychological help named. | Where does it say so? (Cyberbullying and defamation)Rechtsschutzversicherung Privatpersonen – Allgemeine Vertragsbedingungen (AVB), Module B bis H, Ausgabe 2021 (PDF erstellt 17.12.2024), Ziff. B2.17, PDF-S. 7 «Rechtsstreitigkeiten im Zusammenhang mit der Verletzung Ihrer Persönlichkeit (d. h. Beschimpfung, üble Nachrede, Verleumdung) und mit Cybermobbing» Open document: Rechtsschutzversicherung Privatpersonen – Allgemeine Vertragsbedingungen (AVB), Module B bis H (opens in a new window), retrieved 06.11.2026 |
| Data recovery | no information | not stated | Not regulated in the document. | Where does it say so? (Data recovery)Rechtsschutzversicherung Privatpersonen – Allgemeine Vertragsbedingungen (AVB), Module B bis H, Ausgabe 2021 (PDF erstellt 17.12.2024), ganzes Dokument durchsucht Open document: Rechtsschutzversicherung Privatpersonen – Allgemeine Vertragsbedingungen (AVB), Module B bis H (opens in a new window), retrieved 06.11.2026 |
| Extortion | unclear | not stated | Extortion/sextortion not expressly named; depending on the case, violation of personality rights (B2.17) or damages (B2.16). Ransom is not paid. | Where does it say so? (Extortion)Rechtsschutzversicherung Privatpersonen – Allgemeine Vertragsbedingungen (AVB), Module B bis H, Ausgabe 2021 (PDF erstellt 17.12.2024), Ziff. B2.17, PDF-S. 7 «Rechtsstreitigkeiten im Zusammenhang mit der Verletzung Ihrer Persönlichkeit» Open document: Rechtsschutzversicherung Privatpersonen – Allgemeine Vertragsbedingungen (AVB), Module B bis H (opens in a new window), retrieved 06.11.2026 |
| Hacked accounts | limited : only lawyer and proceedings, not the lost money | not stated | The product page names «account misuse» as an example of claims for damages. Only legal costs for damages are covered, no help in restoring the account. | Where does it say so? (Hacked accounts)Privatrechtsschutz | AXA-ARAG, Abschnitt «Was ist mit dem Modul Wohnen & Alltag versichert?» «Einfordern von Schadenersatzansprüchen, auch bei Kreditkarten- oder Identitätsmissbrauch im Internet (Fake Shop, Phishing, Kontomissbrauch usw.)» Open document: Privatrechtsschutz | AXA-ARAG (opens in a new window), retrieved 06.11.2026 |
| Internet legal protection | covered : only lawyer and proceedings, not the lost money | CHF 1'000'000 | Internet cases are included in the «Wohnen & Alltag» module (B2.15 online contracts, B2.16 card/identity misuse, B2.17 cyberbullying, B2.20 copyright). Limit = maximum sum for all cases per insurance year; the sum per policy is chosen. Worldwide validity (A3), no waiting period. Waiver of the reduction for gross negligence (A8). | Where does it say so? (Internet legal protection)Rechtsschutzversicherung Privatpersonen – Allgemeine Vertragsbedingungen (AVB), Module B bis H, Ausgabe 2021 (PDF erstellt 17.12.2024), Ziff. A5, PDF-S. 2 «Für alle Rechtsfälle, die über dieselbe Police abgewickelt werden und im selben Versicherungsjahr eintreten, gilt zusammengezählt eine Versicherungssumme von höchstens CHF 1 000 000.» Open document: Rechtsschutzversicherung Privatpersonen – Allgemeine Vertragsbedingungen (AVB), Module B bis H (opens in a new window), retrieved 06.11.2026 |
| Liability on the internet | limited : only lawyer and proceedings, not the lost money | not stated | Defence against third-party claims is excluded in principle (A7 let. c). Exception copyright: defence against claims for damages is also insured (e.g. a cease-and-desist letter because of a download). | Where does it say so? (Liability on the internet)Rechtsschutzversicherung Privatpersonen – Allgemeine Vertragsbedingungen (AVB), Module B bis H, Ausgabe 2021 (PDF erstellt 17.12.2024), Ziff. B2.20, PDF-S. 7 «Versichert ist neben der Strafverteidigung auch das Einfordern und die Abwehr von Schadenersatzansprüchen.» Open document: Rechtsschutzversicherung Privatpersonen – Allgemeine Vertragsbedingungen (AVB), Module B bis H (opens in a new window), retrieved 06.11.2026 |
| Smart home | no information | not stated | Not regulated in the document. | Where does it say so? (Smart home)Rechtsschutzversicherung Privatpersonen – Allgemeine Vertragsbedingungen (AVB), Module B bis H, Ausgabe 2021 (PDF erstellt 17.12.2024), ganzes Dokument durchsucht Open document: Rechtsschutzversicherung Privatpersonen – Allgemeine Vertragsbedingungen (AVB), Module B bis H (opens in a new window), retrieved 06.11.2026 |
| IT help without a loss | limited : only lawyer and proceedings, not the lost money | not stated | Only legal advice; tips also in non-insured cases. No IT help. | Where does it say so? (IT help without a loss)Rechtsschutzversicherung Privatpersonen – Allgemeine Vertragsbedingungen (AVB), Module B bis H, Ausgabe 2021 (PDF erstellt 17.12.2024), Ziff. A5, PDF-S. 3 «Auch in nicht versicherten Fällen unterstützen wir Sie mit nützlichen Tipps.» Open document: Rechtsschutzversicherung Privatpersonen – Allgemeine Vertragsbedingungen (AVB), Module B bis H (opens in a new window), retrieved 06.11.2026 |
Overview based on public policy terms, as of 06.11.2026. Only your policy and its general terms and conditions (GTC) are binding. No confirmation of cover.