Private legal protection, Comfort package (with «personality rights and internet legal protection»)
Protekta
Policy terms: Ausgabe 08.2023
only via the provider’s calculator
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Misuse of card, Twint, e-banking: only lawyer and proceedings, not the lost money limited
Limit CHF 20'000. Only legal costs (lawyer, court, expert opinions), not the lost amount itself. Covered is the assertion of damages claims in the event of misuse of a credit/debit card and card data (against the perpetrator). Contractual disputes arising from the use of the credit/debit card (e.g. with the card issuer) are exempted from the finance exclusion (Art. E1 let. g). A dispute with the bank/payment service about e-banking or Twint, on the other hand, falls under the exclusion «banking, financial and payment services». Only Comfort package; limit = sum insured according to the brochure CHF 20'000, waiting period 3 months.
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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. A dispute with the merchant over an online purchase falls under consumer and contract law; the purchase price is not compensated. With fake shops there is often no tangible opposing party. Waiting period according to the brochure 3 months. Sum insured Comfort according to the product page up to CHF 1.5 million (Switzerland/Europe).
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Online sale: only lawyer and proceedings, not the lost money covered
Only legal costs (lawyer, court, expert opinions), not the lost amount itself. Dispute with the buyer arising from the contract (consumer and contract law). In addition, collection of undisputed claims from CHF 500 up to twice per year (Art. B3 section 6, according to the brochure only Comfort).
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Identity theft: only lawyer and proceedings, not the lost money limited
Limit CHF 20'000. Only legal costs (lawyer, court, expert opinions), not the lost amount itself. Only assertion of claims for damages in the event of identity misuse (civil law). Only Comfort package; limit = sum insured according to the brochure CHF 20'000, waiting period 3 months.
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Cyberbullying and defamation: only lawyer and proceedings, not the lost money limited
Limit CHF 20'000. Legal costs in the event of a violation of personality rights recognisable to third parties (e.g. online bullying), plus costs of a specialist to restore your reputation (Art. A4 section 3 let. k). No psychological help named. Only Comfort package; limit CHF 20'000 according to the brochure, waiting period 3 months.
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Data recovery no information
Not regulated in the document.
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Extortion unclear
Extortion is not expressly named. Publication of intimate images (sextortion) could fall under section 5 let. a as a violation of personality rights. Ransom is not paid.
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Hacked accounts unclear
Account takeover not expressly named; possibly as identity misuse (only claims for damages). No technical help.
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Internet legal protection: only lawyer and proceedings, not the lost money covered
Limit CHF 20'000. According to the brochure, the area of law «personality rights and internet legal protection» is only included in the Comfort package (Minima/Classic: no), sum insured CHF 20'000, validity Switzerland/Europe, waiting period 3 months. Online contracts are handled via contract law (higher sum insured). Protekta waives a reduction of benefits for gross negligence (Art. A6 section 3).
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Liability on the internet not covered
Defence against third-party claims (e.g. a forwarded virus) is not insured; private liability insurance is responsible for that. Copyright (Art. B3 section 7) only for your own claims, downloads excepted.
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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 information by telephone (JurLine), even without a covered case. No IT help.
Key facts and terms
- Price
- only via the provider’s calculator
- Type
- Part of a legal protection insurance
- Deductible
- none
Price only via the calculator (premium calculator on mobiliar.ch/protekta.mobiliar.ch). Choice of individual or multi-person household. Internet legal protection according to the brochure (08.2023) only in the Comfort package; Minima (deductible CHF 2'000) and Classic without this area of law.
Exclusions (5)
Exclusions
- Banking and financial transactions, payment services, cryptocurrencies and investment transactions are excluded (investment fraud, crypto fraud, disputes with a bank/payment service). Exception: contractual disputes arising from the use of your own credit or debit card.
Where does it say so? (exclusion)
Rechtsschutzversicherung für Privatpersonen – Kundeninformationen und Allgemeine Bedingungen (Privat-, Verkehrs-, Immobilien-Rechtsschutz), Ausgabe 08.2023, Art. E1 lit. g, PDF-S. 12
«Bank- und Börsengeschäfte, Finanz- und Zahlungsdienstleistungen, Kryptowährungen, gewerbsmässige Kreditgewährung, Vermögensverwaltung, Spekulations- und Termingeschäfte sowie andere Finanz- und Anlagegeschäfte.»
Open document: Rechtsschutzversicherung für Privatpersonen – Kundeninformationen und Allgemeine Bedingungen (Privat-, Verkehrs-, Immobilien-Rechtsschutz) (opens in a new window), retrieved 06.11.2026
- Place of jurisdiction, applicable law and enforcement must be within the insured territory (internet legal protection according to the brochure: Switzerland/Europe). Perpetrators or shops outside Europe are usually not covered.
Where does it say so? (exclusion)
Rechtsschutzversicherung für Privatpersonen – Kundeninformationen und Allgemeine Bedingungen (Privat-, Verkehrs-, Immobilien-Rechtsschutz), Ausgabe 08.2023, Art. A3 Ziff. 4, PDF-S. 6
«soweit für die Beurteilung des Rechtsstreits Gerichte oder Verwaltungsbehörden im versicherten Gebiet zuständig sind»
Open document: Rechtsschutzversicherung für Privatpersonen – Kundeninformationen und Allgemeine Bedingungen (Privat-, Verkehrs-, Immobilien-Rechtsschutz) (opens in a new window), retrieved 06.11.2026
- Waiting period according to the policy (according to the brochure 3 months for internet legal protection and contract law).
Where does it say so? (exclusion)
Rechtsschutzversicherung für Privatpersonen – Kundeninformationen und Allgemeine Bedingungen (Privat-, Verkehrs-, Immobilien-Rechtsschutz), Ausgabe 08.2023, Art. A2 Ziff. 4, PDF-S. 6
«Nicht versichert ist ein Rechtsfall, dessen Ursache innerhalb einer Wartefrist eintritt.»
Open document: Rechtsschutzversicherung für Privatpersonen – Kundeninformationen und Allgemeine Bedingungen (Privat-, Verkehrs-, Immobilien-Rechtsschutz) (opens in a new window), retrieved 06.11.2026
- Personality rights/internet: in disputes between the same parties, benefits are paid only once.
Where does it say so? (exclusion)
Rechtsschutzversicherung für Privatpersonen – Kundeninformationen und Allgemeine Bedingungen (Privat-, Verkehrs-, Immobilien-Rechtsschutz), Ausgabe 08.2023, Art. B3 Ziff. 5, PDF-S. 8
«Bei Streitigkeiten zwischen denselben Parteien erbringen wir die Leistung nur einmal.»
Open document: Rechtsschutzversicherung für Privatpersonen – Kundeninformationen und Allgemeine Bedingungen (Privat-, Verkehrs-, Immobilien-Rechtsschutz) (opens in a new window), retrieved 06.11.2026
- Defence against third-party liability claims is not insured.
Where does it say so? (exclusion)
Rechtsschutzversicherung für Privatpersonen – Kundeninformationen und Allgemeine Bedingungen (Privat-, Verkehrs-, Immobilien-Rechtsschutz), Ausgabe 08.2023, Art. E1 lit. b, PDF-S. 12
«Abwehr ausservertraglicher Haftpflichtansprüche;»
Open document: Rechtsschutzversicherung für Privatpersonen – Kundeninformationen und Allgemeine Bedingungen (Privat-, Verkehrs-, Immobilien-Rechtsschutz) (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 | limited : only lawyer and proceedings, not the lost money | CHF 20'000 | Only legal costs (lawyer, court, expert opinions), not the lost amount itself. Covered is the assertion of damages claims in the event of misuse of a credit/debit card and card data (against the perpetrator). Contractual disputes arising from the use of the credit/debit card (e.g. with the card issuer) are exempted from the finance exclusion (Art. E1 let. g). A dispute with the bank/payment service about e-banking or Twint, on the other hand, falls under the exclusion «banking, financial and payment services». Only Comfort package; limit = sum insured according to the brochure CHF 20'000, waiting period 3 months. | Where does it say so? (Misuse of card, Twint, e-banking)Rechtsschutzversicherung für Privatpersonen – Kundeninformationen und Allgemeine Bedingungen (Privat-, Verkehrs-, Immobilien-Rechtsschutz), Ausgabe 08.2023, Art. B3 Ziff. 5 lit. c, PDF-S. 8 «Geltendmachung von Schadenersatzansprüchen aus der missbräuchlichen Verwendung Ihrer Kredit- oder Debitkarte und deren Daten.» Open document: Rechtsschutzversicherung für Privatpersonen – Kundeninformationen und Allgemeine Bedingungen (Privat-, Verkehrs-, Immobilien-Rechtsschutz) (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. A dispute with the merchant over an online purchase falls under consumer and contract law; the purchase price is not compensated. With fake shops there is often no tangible opposing party. Waiting period according to the brochure 3 months. Sum insured Comfort according to the product page up to CHF 1.5 million (Switzerland/Europe). | Where does it say so? (Online purchase)Rechtsschutzversicherung für Privatpersonen – Kundeninformationen und Allgemeine Bedingungen (Privat-, Verkehrs-, Immobilien-Rechtsschutz), Ausgabe 08.2023, Art. B3 Ziff. 1, PDF-S. 7 «Streitigkeiten aus obligationenrechtlichen Verträgen sowie Innominatkontrakten.» Open document: Rechtsschutzversicherung für Privatpersonen – Kundeninformationen und Allgemeine Bedingungen (Privat-, Verkehrs-, Immobilien-Rechtsschutz) (opens in a new window), retrieved 06.11.2026 |
| Online sale | 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 buyer arising from the contract (consumer and contract law). In addition, collection of undisputed claims from CHF 500 up to twice per year (Art. B3 section 6, according to the brochure only Comfort). | Where does it say so? (Online sale)Rechtsschutzversicherung für Privatpersonen – Kundeninformationen und Allgemeine Bedingungen (Privat-, Verkehrs-, Immobilien-Rechtsschutz), Ausgabe 08.2023, Art. B3 Ziff. 6, PDF-S. 8 «Bis zu zwei Mal pro Kalenderjahr das Inkasso unbestrittener, fälliger und nicht verjährter Forderungen.» Open document: Rechtsschutzversicherung für Privatpersonen – Kundeninformationen und Allgemeine Bedingungen (Privat-, Verkehrs-, Immobilien-Rechtsschutz) (opens in a new window), retrieved 06.11.2026 |
| Identity theft | limited : only lawyer and proceedings, not the lost money | CHF 20'000 | Only legal costs (lawyer, court, expert opinions), not the lost amount itself. Only assertion of claims for damages in the event of identity misuse (civil law). Only Comfort package; limit = sum insured according to the brochure CHF 20'000, waiting period 3 months. | Where does it say so? (Identity theft)Rechtsschutzversicherung für Privatpersonen – Kundeninformationen und Allgemeine Bedingungen (Privat-, Verkehrs-, Immobilien-Rechtsschutz), Ausgabe 08.2023, Art. B3 Ziff. 5 lit. b, PDF-S. 8 «Geltendmachung von Schadenersatzansprüchen bei Identitätsmissbrauch.» Open document: Rechtsschutzversicherung für Privatpersonen – Kundeninformationen und Allgemeine Bedingungen (Privat-, Verkehrs-, Immobilien-Rechtsschutz) (opens in a new window), retrieved 06.11.2026 |
| Cyberbullying and defamation | limited : only lawyer and proceedings, not the lost money | CHF 20'000 | Legal costs in the event of a violation of personality rights recognisable to third parties (e.g. online bullying), plus costs of a specialist to restore your reputation (Art. A4 section 3 let. k). No psychological help named. Only Comfort package; limit CHF 20'000 according to the brochure, waiting period 3 months. | Where does it say so? (Cyberbullying and defamation)Rechtsschutzversicherung für Privatpersonen – Kundeninformationen und Allgemeine Bedingungen (Privat-, Verkehrs-, Immobilien-Rechtsschutz), Ausgabe 08.2023, Art. B3 Ziff. 5 lit. a, PDF-S. 8 «Streitigkeiten als Opfer einer für Dritte erkennbaren Verletzung Ihrer Persönlichkeitsrechte, beispielsweise durch Presseerzeugnisse oder im Internet in Fällen von Online-Mobbing.» Open document: Rechtsschutzversicherung für Privatpersonen – Kundeninformationen und Allgemeine Bedingungen (Privat-, Verkehrs-, Immobilien-Rechtsschutz) (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 für Privatpersonen – Kundeninformationen und Allgemeine Bedingungen (Privat-, Verkehrs-, Immobilien-Rechtsschutz), Ausgabe 08.2023, ganzes Dokument durchsucht Open document: Rechtsschutzversicherung für Privatpersonen – Kundeninformationen und Allgemeine Bedingungen (Privat-, Verkehrs-, Immobilien-Rechtsschutz) (opens in a new window), retrieved 06.11.2026 |
| Extortion | unclear | not stated | Extortion is not expressly named. Publication of intimate images (sextortion) could fall under section 5 let. a as a violation of personality rights. Ransom is not paid. | Where does it say so? (Extortion)Rechtsschutzversicherung für Privatpersonen – Kundeninformationen und Allgemeine Bedingungen (Privat-, Verkehrs-, Immobilien-Rechtsschutz), Ausgabe 08.2023, Art. B3 Ziff. 5 lit. a, PDF-S. 8 «Streitigkeiten als Opfer einer für Dritte erkennbaren Verletzung Ihrer Persönlichkeitsrechte» Open document: Rechtsschutzversicherung für Privatpersonen – Kundeninformationen und Allgemeine Bedingungen (Privat-, Verkehrs-, Immobilien-Rechtsschutz) (opens in a new window), retrieved 06.11.2026 |
| Hacked accounts | unclear | not stated | Account takeover not expressly named; possibly as identity misuse (only claims for damages). No technical help. | Where does it say so? (Hacked accounts)Rechtsschutzversicherung für Privatpersonen – Kundeninformationen und Allgemeine Bedingungen (Privat-, Verkehrs-, Immobilien-Rechtsschutz), Ausgabe 08.2023, Art. B3 Ziff. 5 lit. b, PDF-S. 8 «Geltendmachung von Schadenersatzansprüchen bei Identitätsmissbrauch.» Open document: Rechtsschutzversicherung für Privatpersonen – Kundeninformationen und Allgemeine Bedingungen (Privat-, Verkehrs-, Immobilien-Rechtsschutz) (opens in a new window), retrieved 06.11.2026 |
| Internet legal protection | covered : only lawyer and proceedings, not the lost money | CHF 20'000 | According to the brochure, the area of law «personality rights and internet legal protection» is only included in the Comfort package (Minima/Classic: no), sum insured CHF 20'000, validity Switzerland/Europe, waiting period 3 months. Online contracts are handled via contract law (higher sum insured). Protekta waives a reduction of benefits for gross negligence (Art. A6 section 3). | Where does it say so? (Internet legal protection)Rechtsschutzversicherung für Privatpersonen (Produktbroschüre Protekta), PDF erstellt 16.08.2023, S. 3, Tabelle Privat-Rechtsschutz, Zeile «Persönlichkeitsrecht und Internet-Rechtsschutz» (Spalten Wartefrist, Minima, Classic, Comfort) «Persönlichkeitsrecht und Internet-Rechtsschutz | 3 Monate | – | – | 20 000» Open document: Rechtsschutzversicherung für Privatpersonen (Produktbroschüre Protekta) (opens in a new window), retrieved 06.11.2026 |
| Liability on the internet | not covered | not stated | Defence against third-party claims (e.g. a forwarded virus) is not insured; private liability insurance is responsible for that. Copyright (Art. B3 section 7) only for your own claims, downloads excepted. | Where does it say so? (Liability on the internet)Rechtsschutzversicherung für Privatpersonen – Kundeninformationen und Allgemeine Bedingungen (Privat-, Verkehrs-, Immobilien-Rechtsschutz), Ausgabe 08.2023, Art. E1 lit. b, PDF-S. 12 «Abwehr ausservertraglicher Haftpflichtansprüche;» Open document: Rechtsschutzversicherung für Privatpersonen – Kundeninformationen und Allgemeine Bedingungen (Privat-, Verkehrs-, Immobilien-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)Rechtsschutzversicherung für Privatpersonen – Kundeninformationen und Allgemeine Bedingungen (Privat-, Verkehrs-, Immobilien-Rechtsschutz), Ausgabe 08.2023, ganzes Dokument durchsucht Open document: Rechtsschutzversicherung für Privatpersonen – Kundeninformationen und Allgemeine Bedingungen (Privat-, Verkehrs-, Immobilien-Rechtsschutz) (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 information by telephone (JurLine), even without a covered case. No IT help. | Where does it say so? (IT help without a loss)Rechtsschutzversicherung für Privatpersonen – Kundeninformationen und Allgemeine Bedingungen (Privat-, Verkehrs-, Immobilien-Rechtsschutz), Ausgabe 08.2023, Art. A4 Ziff. 1, PDF-S. 6 «Telefonische Rechtsauskünfte durch unsere JurLine, unabhängig davon, ob ein gedeckter Rechtsfall vorliegt.» Open document: Rechtsschutzversicherung für Privatpersonen – Kundeninformationen und Allgemeine Bedingungen (Privat-, Verkehrs-, Immobilien-Rechtsschutz) (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.