Private legal protection Private L (package L, area of law «internet law»)
Dextra
Policy terms: Ausgabe Mai 2022
from CHF 264
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Misuse of card, Twint, e-banking: only lawyer and proceedings, not the lost money covered
Limit CHF 300'000. Only legal costs (lawyer, court, expert opinions), not the lost amount itself. Area of law internet law: claim for damages and criminal complaint in the event of credit card misuse (skimming) and phishing/hacking. Whether a dispute with the bank/card issuer about reimbursement falls under contract law (section 21) is not expressly regulated. Limit = Private L CHF 300'000 (XL CHF 1.3 million). Waiting period 60 days (XL 30 days).
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Online purchase: only lawyer and proceedings, not the lost money covered
Limit CHF 600'000. Only legal costs (lawyer, court, expert opinions), not the lost amount itself. Dispute with a merchant under contract law; the product page names an online order that was never delivered as an example. No minimum amount in dispute. Limit Private L CHF 600'000 (XL CHF 1.3 million). Waiting period 60/30 days.
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Online sale: only lawyer and proceedings, not the lost money covered
Limit CHF 600'000. Only legal costs (lawyer, court, expert opinions), not the lost amount itself. Contract law (disputes arising from contracts not named separately). Limit L CHF 600'000.
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Identity theft: only lawyer and proceedings, not the lost money covered
Limit CHF 300'000. Only legal costs (lawyer, court, expert opinions), not the lost amount itself. Claim for damages and criminal complaint in the event of identity misuse (phishing, hacking). Limit L CHF 300'000, XL CHF 1.3 million.
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Cyberbullying and defamation: only lawyer and proceedings, not the lost money covered
Limit CHF 300'000. Legal costs for damages/moral damages, right of reply, deletion or modification requests and criminal complaints in the event of violations of personality rights on the internet; in addition, personality rights (section 11). No psychological help named. Limit L CHF 300'000.
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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, personality rights or internet law. Ransom is not paid.
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Hacked accounts: only lawyer and proceedings, not the lost money covered
Limit CHF 300'000. The product page names a hacked Facebook account as a case in internet law. Only legal costs (damages, criminal complaint), no technical restoration.
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Internet legal protection: only lawyer and proceedings, not the lost money covered
Limit CHF 300'000. Area of law «internet law» included in Private L and XL, plus data protection law, personality rights, copyright. No deductible, no minimum or maximum amount in dispute, waiver of the reduction for gross negligence. Dextra can release itself by buying out the amount in dispute (C2 let. o). Worldwide.
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Liability on the internet: only lawyer and proceedings, not the lost money limited
Limit CHF 300'000. Defence against liability claims generally excluded (E1 let. j). Copyright (section 18) is insured; the product page names the accusation of having used protected images as an example. Relationship to E1 let. j not expressly regulated.
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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
Legal information by telephone (JUSupport), also in non-insured areas of law. No IT help.
Key facts and terms
- Price
- from CHF 264
- Type
- Part of a legal protection insurance
- Deductible
- none
«from CHF 264.- per year» for package L (private and traffic legal protection L) according to the product page; package XL «from CHF 344.- per year». Individual/family not stated for the «from» price; exact price only via the calculator. No deductible. There is also the product Flex with the module «Everyday life» (not evaluated separately).
Exclusions (4)
Exclusions
- Investment of assets, trading in securities and cryptocurrencies as well as financial, speculative and investment transactions are excluded.
Where does it say so? (exclusion)
AVB Allgemeine Versicherungsbedingungen Pakete für Privatpersonen – Privat- und Verkehrsrechtsschutz, Ausgabe Mai 2022, Art. E1 lit. c, PDF-S. 8
«Fälle im Zusammenhang mit der Anlage von Vermögenswerten, Kunstgegenständen, dem Handel von Wertpapieren und Kryptowährungen»
Open document: AVB Allgemeine Versicherungsbedingungen Pakete für Privatpersonen – Privat- und Verkehrsrechtsschutz (opens in a new window), retrieved 06.11.2026
- Waiting period 60 days (L) or 30 days (XL); does not apply in criminal and damages law or in the event of a seamless switch.
Where does it say so? (exclusion)
AVB Allgemeine Versicherungsbedingungen Pakete für Privatpersonen – Privat- und Verkehrsrechtsschutz, Ausgabe Mai 2022, Art. B2 lit. b, PDF-S. 4
«Die Wartefrist beträgt 60 (Variante L) bzw. 30 Tage (Variante XL). Sie entfällt im Straf- und Schadenersatzrecht»
Open document: AVB Allgemeine Versicherungsbedingungen Pakete für Privatpersonen – Privat- und Verkehrsrechtsschutz (opens in a new window), retrieved 06.11.2026
- Defence against non-contractual liability claims is not insured.
Where does it say so? (exclusion)
AVB Allgemeine Versicherungsbedingungen Pakete für Privatpersonen – Privat- und Verkehrsrechtsschutz, Ausgabe Mai 2022, Art. E1 lit. j, PDF-S. 9
«Fälle im Zusammenhang mit der Abwehr von ausservertraglichen Haftpflichtansprüchen.»
Open document: AVB Allgemeine Versicherungsbedingungen Pakete für Privatpersonen – Privat- und Verkehrsrechtsschutz (opens in a new window), retrieved 06.11.2026
- Damages and costs that a third party or another insurer has to bear are not covered.
Where does it say so? (exclusion)
AVB Allgemeine Versicherungsbedingungen Pakete für Privatpersonen – Privat- und Verkehrsrechtsschutz, Ausgabe Mai 2022, Art. C3 lit. b, PDF-S. 5
«Schadenersatz und Kosten, die zu Lasten eines anderen Versicherers oder eines Dritten gehen.»
Open document: AVB Allgemeine Versicherungsbedingungen Pakete für Privatpersonen – Privat- und Verkehrsrechtsschutz (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 | CHF 300'000 | Only legal costs (lawyer, court, expert opinions), not the lost amount itself. Area of law internet law: claim for damages and criminal complaint in the event of credit card misuse (skimming) and phishing/hacking. Whether a dispute with the bank/card issuer about reimbursement falls under contract law (section 21) is not expressly regulated. Limit = Private L CHF 300'000 (XL CHF 1.3 million). Waiting period 60 days (XL 30 days). | Where does it say so? (Misuse of card, Twint, e-banking)AVB Allgemeine Versicherungsbedingungen Pakete für Privatpersonen – Privat- und Verkehrsrechtsschutz, Ausgabe Mai 2022, Art. D1 Ziff. 6 «Internetrecht», PDF-S. 5 «Geltendmachung von Schadenersatzansprüchen sowie Unterstützung bei der Einreichung einer Strafanzeige bei Kreditkarten- (Skimming) oder Identitätsmissbrauch (Phishing, Hacking).» Open document: AVB Allgemeine Versicherungsbedingungen Pakete für Privatpersonen – Privat- und Verkehrsrechtsschutz (opens in a new window), retrieved 06.11.2026 |
| Online purchase | covered : only lawyer and proceedings, not the lost money | CHF 600'000 | Only legal costs (lawyer, court, expert opinions), not the lost amount itself. Dispute with a merchant under contract law; the product page names an online order that was never delivered as an example. No minimum amount in dispute. Limit Private L CHF 600'000 (XL CHF 1.3 million). Waiting period 60/30 days. | Where does it say so? (Online purchase)Privat-Rechtsschutz, Abschnitt «Persönlicher Alltag», Rechtsgebiet Vertragsrecht «Sie haben im Internet ein neues Kickboard bestellt, dieses aber nie erhalten.» Open document: Privat-Rechtsschutz (opens in a new window), retrieved 06.11.2026 |
| Online sale | covered : only lawyer and proceedings, not the lost money | CHF 600'000 | Only legal costs (lawyer, court, expert opinions), not the lost amount itself. Contract law (disputes arising from contracts not named separately). Limit L CHF 600'000. | Where does it say so? (Online sale)AVB Allgemeine Versicherungsbedingungen Pakete für Privatpersonen – Privat- und Verkehrsrechtsschutz, Ausgabe Mai 2022, Art. D1 Ziff. 21 «Vertragsrecht», PDF-S. 6 «Streitigkeiten aus anderen, nicht genannten Verträgen.» Open document: AVB Allgemeine Versicherungsbedingungen Pakete für Privatpersonen – Privat- und Verkehrsrechtsschutz (opens in a new window), retrieved 06.11.2026 |
| Identity theft | covered : only lawyer and proceedings, not the lost money | CHF 300'000 | Only legal costs (lawyer, court, expert opinions), not the lost amount itself. Claim for damages and criminal complaint in the event of identity misuse (phishing, hacking). Limit L CHF 300'000, XL CHF 1.3 million. | Where does it say so? (Identity theft)AVB Allgemeine Versicherungsbedingungen Pakete für Privatpersonen – Privat- und Verkehrsrechtsschutz, Ausgabe Mai 2022, Art. D1 Ziff. 6 «Internetrecht», PDF-S. 5 «Geltendmachung von Schadenersatzansprüchen sowie Unterstützung bei der Einreichung einer Strafanzeige bei Kreditkarten- (Skimming) oder Identitätsmissbrauch (Phishing, Hacking).» Open document: AVB Allgemeine Versicherungsbedingungen Pakete für Privatpersonen – Privat- und Verkehrsrechtsschutz (opens in a new window), retrieved 06.11.2026 |
| Cyberbullying and defamation | covered : only lawyer and proceedings, not the lost money | CHF 300'000 | Legal costs for damages/moral damages, right of reply, deletion or modification requests and criminal complaints in the event of violations of personality rights on the internet; in addition, personality rights (section 11). No psychological help named. Limit L CHF 300'000. | Where does it say so? (Cyberbullying and defamation)AVB Allgemeine Versicherungsbedingungen Pakete für Privatpersonen – Privat- und Verkehrsrechtsschutz, Ausgabe Mai 2022, Art. D1 Ziff. 6 «Internetrecht», PDF-S. 5 «Löschungs- oder Änderungsanträge sowie Unterstützung bei der Einreichung einer Strafanzeige bei Persönlichkeitsverletzungen (üble Nachrede, Verleumdung, Beschimpfung) im Internet (Cyber-Mobbing).» Open document: AVB Allgemeine Versicherungsbedingungen Pakete für Privatpersonen – Privat- und Verkehrsrechtsschutz (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)AVB Allgemeine Versicherungsbedingungen Pakete für Privatpersonen – Privat- und Verkehrsrechtsschutz, Ausgabe Mai 2022, ganzes Dokument durchsucht Open document: AVB Allgemeine Versicherungsbedingungen Pakete für Privatpersonen – Privat- und Verkehrsrechtsschutz (opens in a new window), retrieved 06.11.2026 |
| Extortion | unclear | not stated | Extortion/sextortion not expressly named; depending on the case, personality rights or internet law. Ransom is not paid. | Where does it say so? (Extortion)AVB Allgemeine Versicherungsbedingungen Pakete für Privatpersonen – Privat- und Verkehrsrechtsschutz, Ausgabe Mai 2022, Art. D1 Ziff. 11 «Persönlichkeitsrecht», PDF-S. 6 «Zivilrechtliche Streitigkeiten bei Verletzung der Persönlichkeit einer versicherten Person.» Open document: AVB Allgemeine Versicherungsbedingungen Pakete für Privatpersonen – Privat- und Verkehrsrechtsschutz (opens in a new window), retrieved 06.11.2026 |
| Hacked accounts | covered : only lawyer and proceedings, not the lost money | CHF 300'000 | The product page names a hacked Facebook account as a case in internet law. Only legal costs (damages, criminal complaint), no technical restoration. | Where does it say so? (Hacked accounts)Privat-Rechtsschutz, Abschnitt «Persönlicher Alltag», Rechtsgebiet Internetrecht «Ihr Facebook-Account wurde gehackt und Fotos missbräuchlich verwendet.» Open document: Privat-Rechtsschutz (opens in a new window), retrieved 06.11.2026 |
| Internet legal protection | covered : only lawyer and proceedings, not the lost money | CHF 300'000 | Area of law «internet law» included in Private L and XL, plus data protection law, personality rights, copyright. No deductible, no minimum or maximum amount in dispute, waiver of the reduction for gross negligence. Dextra can release itself by buying out the amount in dispute (C2 let. o). Worldwide. | Where does it say so? (Internet legal protection)AVB Allgemeine Versicherungsbedingungen Pakete für Privatpersonen – Privat- und Verkehrsrechtsschutz, Ausgabe Mai 2022, Art. D1 Ziff. 6 «Internetrecht», PDF-S. 5 «Geltendmachung von Schadenersatzansprüchen sowie Unterstützung bei der Einreichung einer Strafanzeige bei Kreditkarten- (Skimming) oder Identitätsmissbrauch (Phishing, Hacking).» Open document: AVB Allgemeine Versicherungsbedingungen Pakete für Privatpersonen – Privat- und Verkehrsrechtsschutz (opens in a new window), retrieved 06.11.2026 |
| Liability on the internet | limited : only lawyer and proceedings, not the lost money | CHF 300'000 | Defence against liability claims generally excluded (E1 let. j). Copyright (section 18) is insured; the product page names the accusation of having used protected images as an example. Relationship to E1 let. j not expressly regulated. | Where does it say so? (Liability on the internet)Privat-Rechtsschutz, Abschnitt «Persönlicher Alltag», Rechtsgebiet Urheberrecht «Ihnen wird vorgeworfen, urheberrechtlich geschützte Bilder verwendet zu haben.» Open document: Privat-Rechtsschutz (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)AVB Allgemeine Versicherungsbedingungen Pakete für Privatpersonen – Privat- und Verkehrsrechtsschutz, Ausgabe Mai 2022, ganzes Dokument durchsucht Open document: AVB Allgemeine Versicherungsbedingungen Pakete für Privatpersonen – Privat- und Verkehrsrechtsschutz (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 | Legal information by telephone (JUSupport), also in non-insured areas of law. No IT help. | Where does it say so? (IT help without a loss)AVB Allgemeine Versicherungsbedingungen Pakete für Privatpersonen – Privat- und Verkehrsrechtsschutz, Ausgabe Mai 2022, Art. C4, PDF-S. 5 «Überdies erteilt der JUSupport auch Rechtsauskünfte in nicht versicherten Rechtsgebieten, jedoch ohne Anerkennung einer Rechtspflicht.» Open document: AVB Allgemeine Versicherungsbedingungen Pakete für Privatpersonen – Privat- und Verkehrsrechtsschutz (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.