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What does Coop Rechtsschutz cover?

Coop Rechtsschutz AG (Legal protection insurer): we read no business products and 2 private products.

As of

On this page
  1. For private customers

For private customers

Legal protection module: basic module «Private and health» (including internet legal protection)

Coop Rechtsschutz

Policy terms: Ausgabe 2024 (PDF erstellt 07.04.2026)

from CHF 183

  • Misuse of card, Twint, e-banking: only lawyer and proceedings, not the lost money covered

    Limit CHF 50'000. Only legal costs (lawyer, court, expert opinions), not the lost amount itself. Legal dispute as a victim of credit card misuse, phishing, hacking, skimming; no waiting period. Opposing party not restricted; a dispute with the bank or card issuer is not expressly mentioned. In addition: if legal assistance is unsuccessful after 180 days, the financial loss from unauthorised purchases/sales by third parties is compensated up to CHF 1'000. Limit = legal costs CHF 50'000.

  • Online purchase: only lawyer and proceedings, not the lost money covered

    Limit CHF 500'000. Only legal costs (lawyer, court, expert opinions), not the lost amount itself. Disputes arising from online contracts (other contracts), waiting period 3 months. Special rule: if legal assistance in the event of non-delivery/wrong delivery or fraud remains unsuccessful for 180 days, the costs of the purchase are covered up to CHF 1'000 (fake shop).

  • Online sale: only lawyer and proceedings, not the lost money covered

    Limit CHF 500'000. Only legal costs (lawyer, court, expert opinions), not the lost amount itself. Disputes arising from other contracts, waiting period 3 months. Pure debt collection only advice. The 1'000-franc rule only applies to «purchases».

  • Identity theft: only lawyer and proceedings, not the lost money covered

    Limit CHF 50'000. Only legal costs (lawyer, court, expert opinions), not the lost amount itself. Identity misuse is not named as a separate term, but is covered via phishing/hacking; the glossary names misuse of spied-out data, e.g. for account debits and online orders. Compensation of financial loss up to CHF 1'000 after 180 days.

  • Cyberbullying and defamation: only lawyer and proceedings, not the lost money covered

    Limit CHF 50'000. Legal costs as a victim of internet crime (cyberbullying, threats, coercion, extortion), no waiting period; in addition, a deletion service for content violating personality rights up to CHF 1'000. Offline violations of personality rights only advice.

  • Data recovery no information

    Not regulated in the document.

  • Extortion: only lawyer and proceedings, not the lost money covered

    Limit CHF 50'000. Legal costs as a victim of extortion via the internet (e.g. sextortion). Ransom is not paid.

  • Hacked accounts: only lawyer and proceedings, not the lost money covered

    Limit CHF 50'000. Legal costs as a victim of hacking (e.g. a hacked account). No technical restoration.

  • Internet legal protection: only lawyer and proceedings, not the lost money covered

    Limit CHF 50'000. Internet legal protection in the basic cover: internet crime and card/phishing/hacking cases with their own, lower sum insured; online contracts with the full sum insured. No deductibles, no minimum amounts in dispute (factsheet). Worldwide cover.

  • Liability on the internet: only lawyer and proceedings, not the lost money limited

    Limit CHF 500. Defence against claims for damages not insured in principle. Exception: infringement of copyright, name and trademark rights by the insured person, there only up to the limit. Limit according to the eco column: CHF 500 if the infringement is committed by the insured person (comfort 750, deluxe 1'000).

  • Smart home no information

    Not regulated in the document.

  • IT help without a loss: only lawyer and proceedings, not the lost money limited

    Limit CHF 1'000. Only legal help: immediate information by telephone (product page) and advisory legal protection in other cases once per calendar year. No IT help.

Key facts and terms
Price
from CHF 183
Type
Part of a legal protection insurance
Deductible
none

«from CHF 183.– per year» according to the product page (individual/family and variant eco/comfort/deluxe not stated for the «from» price). Family price only via the calculator. Sum insured selectable: eco CHF 500'000, comfort CHF 750'000, deluxe CHF 1 million; internet cases (P7/P8) CHF 50'000/75'000/100'000. No deductibles (factsheet).

Exclusions (4)

Exclusions

All values as a table
What Coop Rechtsschutz covers in “Legal protection module: basic module «Private and health» (including internet legal protection)”
ModuleStatusLimitWhat appliesSource
Misuse of card, Twint, e-banking covered : only lawyer and proceedings, not the lost money CHF 50'000 Only legal costs (lawyer, court, expert opinions), not the lost amount itself. Legal dispute as a victim of credit card misuse, phishing, hacking, skimming; no waiting period. Opposing party not restricted; a dispute with the bank or card issuer is not expressly mentioned. In addition: if legal assistance is unsuccessful after 180 days, the financial loss from unauthorised purchases/sales by third parties is compensated up to CHF 1'000. Limit = legal costs CHF 50'000.
Where does it say so? (Misuse of card, Twint, e-banking)

Privatrechtsschutz – Rechtsschutz für Private, Allgemeine Versicherungsbedingungen (AVB) – Modul (AVBPM24), Ausgabe 2024 (PDF erstellt 07.04.2026), Modul P, Ziff. P8, PDF-S. 10

«Rechtsstreitigkeiten als Opfer von Kreditkartenmissbrauch, Phishing, Hacking, Skimming»

Open document: Privatrechtsschutz – Rechtsschutz für Private, Allgemeine Versicherungsbedingungen (AVB) – Modul (AVBPM24) (opens in a new window), retrieved 06.11.2026
Online purchase covered : only lawyer and proceedings, not the lost money CHF 500'000 Only legal costs (lawyer, court, expert opinions), not the lost amount itself. Disputes arising from online contracts (other contracts), waiting period 3 months. Special rule: if legal assistance in the event of non-delivery/wrong delivery or fraud remains unsuccessful for 180 days, the costs of the purchase are covered up to CHF 1'000 (fake shop).
Where does it say so? (Online purchase)

Privatrechtsschutz – Rechtsschutz für Private, Allgemeine Versicherungsbedingungen (AVB) – Modul (AVBPM24), Ausgabe 2024 (PDF erstellt 07.04.2026), Modul P, Ziff. P6 (Besonderheiten), PDF-S. 9

«Falls … die rechtliche Unterstützung innerhalb von 180 Tagen nach der Schadensmeldung ergebnislos war, werden die Kosten des Einkaufs bis max. CHF 1 000 übernommen.»

Open document: Privatrechtsschutz – Rechtsschutz für Private, Allgemeine Versicherungsbedingungen (AVB) – Modul (AVBPM24) (opens in a new window), retrieved 06.11.2026
Online sale covered : only lawyer and proceedings, not the lost money CHF 500'000 Only legal costs (lawyer, court, expert opinions), not the lost amount itself. Disputes arising from other contracts, waiting period 3 months. Pure debt collection only advice. The 1'000-franc rule only applies to «purchases».
Where does it say so? (Online sale)

Privatrechtsschutz – Rechtsschutz für Private, Allgemeine Versicherungsbedingungen (AVB) – Modul (AVBPM24), Ausgabe 2024 (PDF erstellt 07.04.2026), Modul P, Ziff. P6, PDF-S. 9

«Rechtsstreitigkeiten aus allen übrigen Verträgen»

Open document: Privatrechtsschutz – Rechtsschutz für Private, Allgemeine Versicherungsbedingungen (AVB) – Modul (AVBPM24) (opens in a new window), retrieved 06.11.2026
Identity theft covered : only lawyer and proceedings, not the lost money CHF 50'000 Only legal costs (lawyer, court, expert opinions), not the lost amount itself. Identity misuse is not named as a separate term, but is covered via phishing/hacking; the glossary names misuse of spied-out data, e.g. for account debits and online orders. Compensation of financial loss up to CHF 1'000 after 180 days.
Where does it say so? (Identity theft)

Privatrechtsschutz – Rechtsschutz für Private, Allgemeine Versicherungsbedingungen (AVB) – Modul (AVBPM24), Ausgabe 2024 (PDF erstellt 07.04.2026), Glossar «Phishing», PDF-S. 16

«Mit gefälschten E-Mails, Websites oder Nachrichten werden persönliche Daten und Passwörter ausspioniert, um diese unberechtigt zu nutzen (zum Beispiel Kontobelastung, Online-Bestellungen).»

Open document: Privatrechtsschutz – Rechtsschutz für Private, Allgemeine Versicherungsbedingungen (AVB) – Modul (AVBPM24) (opens in a new window), retrieved 06.11.2026
Cyberbullying and defamation covered : only lawyer and proceedings, not the lost money CHF 50'000 Legal costs as a victim of internet crime (cyberbullying, threats, coercion, extortion), no waiting period; in addition, a deletion service for content violating personality rights up to CHF 1'000. Offline violations of personality rights only advice.
Where does it say so? (Cyberbullying and defamation)

Privatrechtsschutz – Rechtsschutz für Private, Allgemeine Versicherungsbedingungen (AVB) – Modul (AVBPM24), Ausgabe 2024 (PDF erstellt 07.04.2026), Modul P, Ziff. P7, PDF-S. 10

«Rechtsstreitigkeiten als Opfer von Internet-Kriminalität (Cyber-Mobbing, Drohung, Nötigung, Erpressung)»

Open document: Privatrechtsschutz – Rechtsschutz für Private, Allgemeine Versicherungsbedingungen (AVB) – Modul (AVBPM24) (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)

Privatrechtsschutz – Rechtsschutz für Private, Allgemeine Versicherungsbedingungen (AVB) – Modul (AVBPM24), Ausgabe 2024 (PDF erstellt 07.04.2026), ganzes Dokument durchsucht

Open document: Privatrechtsschutz – Rechtsschutz für Private, Allgemeine Versicherungsbedingungen (AVB) – Modul (AVBPM24) (opens in a new window), retrieved 06.11.2026
Extortion covered : only lawyer and proceedings, not the lost money CHF 50'000 Legal costs as a victim of extortion via the internet (e.g. sextortion). Ransom is not paid.
Where does it say so? (Extortion)

Privatrechtsschutz – Rechtsschutz für Private, Allgemeine Versicherungsbedingungen (AVB) – Modul (AVBPM24), Ausgabe 2024 (PDF erstellt 07.04.2026), Modul P, Ziff. P7, PDF-S. 10

«Rechtsstreitigkeiten als Opfer von Internet-Kriminalität (Cyber-Mobbing, Drohung, Nötigung, Erpressung)»

Open document: Privatrechtsschutz – Rechtsschutz für Private, Allgemeine Versicherungsbedingungen (AVB) – Modul (AVBPM24) (opens in a new window), retrieved 06.11.2026
Hacked accounts covered : only lawyer and proceedings, not the lost money CHF 50'000 Legal costs as a victim of hacking (e.g. a hacked account). No technical restoration.
Where does it say so? (Hacked accounts)

Privatrechtsschutz – Rechtsschutz für Private, Allgemeine Versicherungsbedingungen (AVB) – Modul (AVBPM24), Ausgabe 2024 (PDF erstellt 07.04.2026), Modul P, Ziff. P8, PDF-S. 10

«Rechtsstreitigkeiten als Opfer von Kreditkartenmissbrauch, Phishing, Hacking, Skimming»

Open document: Privatrechtsschutz – Rechtsschutz für Private, Allgemeine Versicherungsbedingungen (AVB) – Modul (AVBPM24) (opens in a new window), retrieved 06.11.2026
Internet legal protection covered : only lawyer and proceedings, not the lost money CHF 50'000 Internet legal protection in the basic cover: internet crime and card/phishing/hacking cases with their own, lower sum insured; online contracts with the full sum insured. No deductibles, no minimum amounts in dispute (factsheet). Worldwide cover.
Where does it say so? (Internet legal protection)

Privatrechtsschutz – Rechtsschutz für Private, Allgemeine Versicherungsbedingungen (AVB) – Modul (AVBPM24), Ausgabe 2024 (PDF erstellt 07.04.2026), Modul P, Ziff. P8, PDF-S. 10

«Rechtsstreitigkeiten als Opfer von Kreditkartenmissbrauch, Phishing, Hacking, Skimming»

Open document: Privatrechtsschutz – Rechtsschutz für Private, Allgemeine Versicherungsbedingungen (AVB) – Modul (AVBPM24) (opens in a new window), retrieved 06.11.2026
Liability on the internet limited : only lawyer and proceedings, not the lost money CHF 500 Defence against claims for damages not insured in principle. Exception: infringement of copyright, name and trademark rights by the insured person, there only up to the limit. Limit according to the eco column: CHF 500 if the infringement is committed by the insured person (comfort 750, deluxe 1'000).
Where does it say so? (Liability on the internet)

Privatrechtsschutz – Rechtsschutz für Private, Allgemeine Versicherungsbedingungen (AVB) – Modul (AVBPM24), Ausgabe 2024 (PDF erstellt 07.04.2026), Modul P, Ziff. P9 (Spalte eco), PDF-S. 10

«Rechtsstreitigkeiten aus Verletzung von Urheber-, Namens- und Markenrechten»

Open document: Privatrechtsschutz – Rechtsschutz für Private, Allgemeine Versicherungsbedingungen (AVB) – Modul (AVBPM24) (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)

Privatrechtsschutz – Rechtsschutz für Private, Allgemeine Versicherungsbedingungen (AVB) – Modul (AVBPM24), Ausgabe 2024 (PDF erstellt 07.04.2026), ganzes Dokument durchsucht

Open document: Privatrechtsschutz – Rechtsschutz für Private, Allgemeine Versicherungsbedingungen (AVB) – Modul (AVBPM24) (opens in a new window), retrieved 06.11.2026
IT help without a loss limited : only lawyer and proceedings, not the lost money CHF 1'000 Only legal help: immediate information by telephone (product page) and advisory legal protection in other cases once per calendar year. No IT help.
Where does it say so? (IT help without a loss)

Privatrechtsschutz – Rechtsschutz für Private, Allgemeine Versicherungsbedingungen (AVB) – Modul (AVBPM24), Ausgabe 2024 (PDF erstellt 07.04.2026), Modul P, Ziff. P11, PDF-S. 10

«Beratungsrechtsschutz in sämtlichen übrigen Rechtsstreitigkeiten»

Open document: Privatrechtsschutz – Rechtsschutz für Private, Allgemeine Versicherungsbedingungen (AVB) – Modul (AVBPM24) (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.

Legal protection package (private, employment, health, housing, traffic, including internet)

Coop Rechtsschutz

Policy terms: Ausgabe 2024 (PDF erstellt 28.05.2026)

from CHF 399

  • Misuse of card, Twint, e-banking: only lawyer and proceedings, not the lost money covered

    Limit CHF 75'000. Only legal costs (lawyer, court, expert opinions), not the lost amount itself. Legal dispute as a victim of credit card misuse, phishing, hacking, skimming; no waiting period. Opposing party not restricted; a dispute with the bank or card issuer is not expressly mentioned. In addition: if legal assistance is unsuccessful after 180 days, the financial loss from unauthorised purchases/sales by third parties is compensated up to CHF 1'000. Limit = legal costs CHF 75'000.

  • Online purchase: only lawyer and proceedings, not the lost money covered

    Limit CHF 750'000. Only legal costs (lawyer, court, expert opinions), not the lost amount itself. Disputes arising from online contracts (other contracts), waiting period 3 months. Special rule: if legal assistance in the event of non-delivery/wrong delivery or fraud remains unsuccessful for 180 days, the costs of the purchase are covered up to CHF 1'000 (fake shop).

  • Online sale: only lawyer and proceedings, not the lost money covered

    Limit CHF 750'000. Only legal costs (lawyer, court, expert opinions), not the lost amount itself. Disputes arising from other contracts, waiting period 3 months. Pure debt collection only advice. The 1'000-franc rule only applies to «purchases».

  • Identity theft: only lawyer and proceedings, not the lost money covered

    Limit CHF 75'000. Only legal costs (lawyer, court, expert opinions), not the lost amount itself. Identity misuse is not named as a separate term, but is covered via phishing/hacking; the glossary names misuse of spied-out data, e.g. for account debits and online orders. Compensation of financial loss up to CHF 1'000 after 180 days.

  • Cyberbullying and defamation: only lawyer and proceedings, not the lost money covered

    Limit CHF 75'000. Legal costs as a victim of internet crime (cyberbullying, threats, coercion, extortion), no waiting period; in addition, a deletion service for content violating personality rights up to CHF 1'000. Offline violations of personality rights only advice.

  • Data recovery no information

    Not regulated in the document.

  • Extortion: only lawyer and proceedings, not the lost money covered

    Limit CHF 75'000. Legal costs as a victim of extortion via the internet (e.g. sextortion). Ransom is not paid.

  • Hacked accounts: only lawyer and proceedings, not the lost money covered

    Limit CHF 75'000. Legal costs as a victim of hacking (e.g. a hacked account). No technical restoration.

  • Internet legal protection: only lawyer and proceedings, not the lost money covered

    Limit CHF 75'000. Internet legal protection in the basic cover: internet crime and card/phishing/hacking cases with their own, lower sum insured; online contracts with the full sum insured. No deductibles, no minimum amounts in dispute (factsheet). Worldwide cover.

  • Liability on the internet: only lawyer and proceedings, not the lost money limited

    Limit CHF 1'000. Defence against claims for damages not insured in principle. Exception: infringement of copyright, name and trademark rights by the insured person, there only up to the limit. Limit CHF 1'000 if the infringement is committed by the insured person.

  • Smart home no information

    Not regulated in the document.

  • IT help without a loss: only lawyer and proceedings, not the lost money limited

    Limit CHF 1'500. Only legal help: immediate information by telephone (product page) and advisory legal protection in other cases once per calendar year. No IT help.

Key facts and terms
Price
from CHF 399
Type
Part of a legal protection insurance
Deductible
none

«from CHF 399.– per year» according to the product page; the calculator template shows an individual at CHF 399.00 (net premium CHF 380 + 5% stamp duty). Family price only via the calculator. Sum insured max. CHF 750'000; internet cases (16.13/16.14) CHF 75'000. No deductibles, no minimum amounts in dispute (factsheet).

Exclusions (4)

Exclusions

All values as a table
What Coop Rechtsschutz covers in “Legal protection package (private, employment, health, housing, traffic, including internet)”
ModuleStatusLimitWhat appliesSource
Misuse of card, Twint, e-banking covered : only lawyer and proceedings, not the lost money CHF 75'000 Only legal costs (lawyer, court, expert opinions), not the lost amount itself. Legal dispute as a victim of credit card misuse, phishing, hacking, skimming; no waiting period. Opposing party not restricted; a dispute with the bank or card issuer is not expressly mentioned. In addition: if legal assistance is unsuccessful after 180 days, the financial loss from unauthorised purchases/sales by third parties is compensated up to CHF 1'000. Limit = legal costs CHF 75'000.
Where does it say so? (Misuse of card, Twint, e-banking)

Privatrechtsschutz – Rechtsschutz für Private, Allgemeine Versicherungsbedingungen (AVB) – Paket (AVBPP24), Ausgabe 2024 (PDF erstellt 28.05.2026), Ziff. 16.14, PDF-S. 9

«Rechtsstreitigkeiten als Opfer von Kreditkartenmissbrauch, Phishing, Hacking, Skimming»

Open document: Privatrechtsschutz – Rechtsschutz für Private, Allgemeine Versicherungsbedingungen (AVB) – Paket (AVBPP24) (opens in a new window), retrieved 06.11.2026
Online purchase covered : only lawyer and proceedings, not the lost money CHF 750'000 Only legal costs (lawyer, court, expert opinions), not the lost amount itself. Disputes arising from online contracts (other contracts), waiting period 3 months. Special rule: if legal assistance in the event of non-delivery/wrong delivery or fraud remains unsuccessful for 180 days, the costs of the purchase are covered up to CHF 1'000 (fake shop).
Where does it say so? (Online purchase)

Privatrechtsschutz – Rechtsschutz für Private, Allgemeine Versicherungsbedingungen (AVB) – Paket (AVBPP24), Ausgabe 2024 (PDF erstellt 28.05.2026), Ziff. 16.12 (Besonderheiten), PDF-S. 9

«Falls … die rechtliche Unterstützung innerhalb von 180 Tagen nach der Schadensmeldung ergebnislos war, werden die Kosten des Einkaufs bis max. CHF 1 000 übernommen.»

Open document: Privatrechtsschutz – Rechtsschutz für Private, Allgemeine Versicherungsbedingungen (AVB) – Paket (AVBPP24) (opens in a new window), retrieved 06.11.2026
Online sale covered : only lawyer and proceedings, not the lost money CHF 750'000 Only legal costs (lawyer, court, expert opinions), not the lost amount itself. Disputes arising from other contracts, waiting period 3 months. Pure debt collection only advice. The 1'000-franc rule only applies to «purchases».
Where does it say so? (Online sale)

Privatrechtsschutz – Rechtsschutz für Private, Allgemeine Versicherungsbedingungen (AVB) – Paket (AVBPP24), Ausgabe 2024 (PDF erstellt 28.05.2026), Ziff. 16.12, PDF-S. 9

«Rechtsstreitigkeiten aus allen übrigen Verträgen»

Open document: Privatrechtsschutz – Rechtsschutz für Private, Allgemeine Versicherungsbedingungen (AVB) – Paket (AVBPP24) (opens in a new window), retrieved 06.11.2026
Identity theft covered : only lawyer and proceedings, not the lost money CHF 75'000 Only legal costs (lawyer, court, expert opinions), not the lost amount itself. Identity misuse is not named as a separate term, but is covered via phishing/hacking; the glossary names misuse of spied-out data, e.g. for account debits and online orders. Compensation of financial loss up to CHF 1'000 after 180 days.
Where does it say so? (Identity theft)

Privatrechtsschutz – Rechtsschutz für Private, Allgemeine Versicherungsbedingungen (AVB) – Paket (AVBPP24), Ausgabe 2024 (PDF erstellt 28.05.2026), Glossar «Phishing», PDF-S. 12

«Mit gefälschten E-Mails, Websites oder Nachrichten werden persönliche Daten und Passwörter ausspioniert, um diese unberechtigt zu nutzen (zum Beispiel Kontobelastung, Online-Bestellungen).»

Open document: Privatrechtsschutz – Rechtsschutz für Private, Allgemeine Versicherungsbedingungen (AVB) – Paket (AVBPP24) (opens in a new window), retrieved 06.11.2026
Cyberbullying and defamation covered : only lawyer and proceedings, not the lost money CHF 75'000 Legal costs as a victim of internet crime (cyberbullying, threats, coercion, extortion), no waiting period; in addition, a deletion service for content violating personality rights up to CHF 1'000. Offline violations of personality rights only advice.
Where does it say so? (Cyberbullying and defamation)

Privatrechtsschutz – Rechtsschutz für Private, Allgemeine Versicherungsbedingungen (AVB) – Paket (AVBPP24), Ausgabe 2024 (PDF erstellt 28.05.2026), Ziff. 16.13, PDF-S. 9

«Rechtsstreitigkeiten als Opfer von Internet-Kriminalität (Cyber-Mobbing, Drohung, Nötigung, Erpressung)»

Open document: Privatrechtsschutz – Rechtsschutz für Private, Allgemeine Versicherungsbedingungen (AVB) – Paket (AVBPP24) (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)

Privatrechtsschutz – Rechtsschutz für Private, Allgemeine Versicherungsbedingungen (AVB) – Paket (AVBPP24), Ausgabe 2024 (PDF erstellt 28.05.2026), ganzes Dokument durchsucht

Open document: Privatrechtsschutz – Rechtsschutz für Private, Allgemeine Versicherungsbedingungen (AVB) – Paket (AVBPP24) (opens in a new window), retrieved 06.11.2026
Extortion covered : only lawyer and proceedings, not the lost money CHF 75'000 Legal costs as a victim of extortion via the internet (e.g. sextortion). Ransom is not paid.
Where does it say so? (Extortion)

Privatrechtsschutz – Rechtsschutz für Private, Allgemeine Versicherungsbedingungen (AVB) – Paket (AVBPP24), Ausgabe 2024 (PDF erstellt 28.05.2026), Ziff. 16.13, PDF-S. 9

«Rechtsstreitigkeiten als Opfer von Internet-Kriminalität (Cyber-Mobbing, Drohung, Nötigung, Erpressung)»

Open document: Privatrechtsschutz – Rechtsschutz für Private, Allgemeine Versicherungsbedingungen (AVB) – Paket (AVBPP24) (opens in a new window), retrieved 06.11.2026
Hacked accounts covered : only lawyer and proceedings, not the lost money CHF 75'000 Legal costs as a victim of hacking (e.g. a hacked account). No technical restoration.
Where does it say so? (Hacked accounts)

Privatrechtsschutz – Rechtsschutz für Private, Allgemeine Versicherungsbedingungen (AVB) – Paket (AVBPP24), Ausgabe 2024 (PDF erstellt 28.05.2026), Ziff. 16.14, PDF-S. 9

«Rechtsstreitigkeiten als Opfer von Kreditkartenmissbrauch, Phishing, Hacking, Skimming»

Open document: Privatrechtsschutz – Rechtsschutz für Private, Allgemeine Versicherungsbedingungen (AVB) – Paket (AVBPP24) (opens in a new window), retrieved 06.11.2026
Internet legal protection covered : only lawyer and proceedings, not the lost money CHF 75'000 Internet legal protection in the basic cover: internet crime and card/phishing/hacking cases with their own, lower sum insured; online contracts with the full sum insured. No deductibles, no minimum amounts in dispute (factsheet). Worldwide cover.
Where does it say so? (Internet legal protection)

Privatrechtsschutz – Rechtsschutz für Private, Allgemeine Versicherungsbedingungen (AVB) – Paket (AVBPP24), Ausgabe 2024 (PDF erstellt 28.05.2026), Ziff. 16.14, PDF-S. 9

«Rechtsstreitigkeiten als Opfer von Kreditkartenmissbrauch, Phishing, Hacking, Skimming»

Open document: Privatrechtsschutz – Rechtsschutz für Private, Allgemeine Versicherungsbedingungen (AVB) – Paket (AVBPP24) (opens in a new window), retrieved 06.11.2026
Liability on the internet limited : only lawyer and proceedings, not the lost money CHF 1'000 Defence against claims for damages not insured in principle. Exception: infringement of copyright, name and trademark rights by the insured person, there only up to the limit. Limit CHF 1'000 if the infringement is committed by the insured person.
Where does it say so? (Liability on the internet)

Privatrechtsschutz – Rechtsschutz für Private, Allgemeine Versicherungsbedingungen (AVB) – Paket (AVBPP24), Ausgabe 2024 (PDF erstellt 28.05.2026), Ziff. 16.15, PDF-S. 9

«1 000, wenn die Verletzung durch die versicherte Person begangen wird»

Open document: Privatrechtsschutz – Rechtsschutz für Private, Allgemeine Versicherungsbedingungen (AVB) – Paket (AVBPP24) (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)

Privatrechtsschutz – Rechtsschutz für Private, Allgemeine Versicherungsbedingungen (AVB) – Paket (AVBPP24), Ausgabe 2024 (PDF erstellt 28.05.2026), ganzes Dokument durchsucht

Open document: Privatrechtsschutz – Rechtsschutz für Private, Allgemeine Versicherungsbedingungen (AVB) – Paket (AVBPP24) (opens in a new window), retrieved 06.11.2026
IT help without a loss limited : only lawyer and proceedings, not the lost money CHF 1'500 Only legal help: immediate information by telephone (product page) and advisory legal protection in other cases once per calendar year. No IT help.
Where does it say so? (IT help without a loss)

Privatrechtsschutz – Rechtsschutz für Private, Allgemeine Versicherungsbedingungen (AVB) – Paket (AVBPP24), Ausgabe 2024 (PDF erstellt 28.05.2026), Ziff. 16.21, PDF-S. 10

«Beratungsrechtsschutz in sämtlichen übrigen Rechtsstreitigkeiten»

Open document: Privatrechtsschutz – Rechtsschutz für Private, Allgemeine Versicherungsbedingungen (AVB) – Paket (AVBPP24) (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.

Three ways forward