Household insurance Home (monetary assets: credit, debit and customer cards)
Simpego
Policy terms: Ausgabe Dezember 2024
only via the provider’s calculator
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Misuse of card, Twint, e-banking limited
Limit CHF 10'000. Financial losses from cards up to CHF 10'000 only «as a result of an insured event» (e.g. theft of the card, if insured) and if the duties of care were complied with; only the part that the cardholder bears under the issuer’s T&C is compensated. Hacking or phishing without an insured event is not named.
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Online purchase no information
Not regulated in the conditions.
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Online sale no information
Not regulated in the conditions.
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Identity theft no information
Not regulated in the conditions.
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Cyberbullying and defamation no information
Not regulated in the conditions.
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Data recovery not covered
No cyber cover; the household contents comprehensive or transport cover excludes losses caused by computer viruses and cyber attacks.
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Extortion no information
Not regulated in the conditions.
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Hacked accounts no information
Not regulated in the conditions.
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Internet legal protection no information
Not regulated in the conditions.
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Liability on the internet no information
Not regulated in the conditions.
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Smart home no information
Not regulated in the conditions.
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IT help without a loss no information
Not regulated in the conditions.
Key facts and terms
- Price
- only via the provider’s calculator
- Type
- Add-on to household contents insurance
- Deductible
- not stated
Price only via the calculator. No cyber additional cover found in the GTC; card losses only as a consequence of an insured household contents event.
Exclusions (1)
Exclusions
- Card loss only to the extent of the holder’s liability under the issuer’s T&C.
Where does it say so? (exclusion)
Simpego Haushaltversicherung Home, Allgemeine Versicherungsbedingungen (AVB), Ausgabe Dezember 2024, Schadenberechnung, PDF-S. 10
«für welchen der Inhaber der versicherten Karte gegenüber dem Herausgeber»
Open document: Simpego Haushaltversicherung Home, Allgemeine Versicherungsbedingungen (AVB) (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 | CHF 10'000 | Financial losses from cards up to CHF 10'000 only «as a result of an insured event» (e.g. theft of the card, if insured) and if the duties of care were complied with; only the part that the cardholder bears under the issuer’s T&C is compensated. Hacking or phishing without an insured event is not named. | Where does it say so? (Misuse of card, Twint, e-banking)Simpego Haushaltversicherung Home, Allgemeine Versicherungsbedingungen (AVB), Ausgabe Dezember 2024, Geldwerte Ziff. 2, PDF-S. 6 «Vermögensschäden bis CHF 10'000 infolge eines versicherten Ereignisses, wenn die vertraglichen Sorgfaltspflichten eingehalten wurden» Open document: Simpego Haushaltversicherung Home, Allgemeine Versicherungsbedingungen (AVB) (opens in a new window), retrieved 06.11.2026 |
| Online purchase | no information | not stated | Not regulated in the conditions. | Where does it say so? (Online purchase)Simpego Haushaltversicherung Home, Allgemeine Versicherungsbedingungen (AVB), Ausgabe Dezember 2024, ganzes Dokument durchsucht Open document: Simpego Haushaltversicherung Home, Allgemeine Versicherungsbedingungen (AVB) (opens in a new window), retrieved 06.11.2026 |
| Online sale | no information | not stated | Not regulated in the conditions. | Where does it say so? (Online sale)Simpego Haushaltversicherung Home, Allgemeine Versicherungsbedingungen (AVB), Ausgabe Dezember 2024, ganzes Dokument durchsucht Open document: Simpego Haushaltversicherung Home, Allgemeine Versicherungsbedingungen (AVB) (opens in a new window), retrieved 06.11.2026 |
| Identity theft | no information | not stated | Not regulated in the conditions. | Where does it say so? (Identity theft)Simpego Haushaltversicherung Home, Allgemeine Versicherungsbedingungen (AVB), Ausgabe Dezember 2024, ganzes Dokument durchsucht Open document: Simpego Haushaltversicherung Home, Allgemeine Versicherungsbedingungen (AVB) (opens in a new window), retrieved 06.11.2026 |
| Cyberbullying and defamation | no information | not stated | Not regulated in the conditions. | Where does it say so? (Cyberbullying and defamation)Simpego Haushaltversicherung Home, Allgemeine Versicherungsbedingungen (AVB), Ausgabe Dezember 2024, ganzes Dokument durchsucht Open document: Simpego Haushaltversicherung Home, Allgemeine Versicherungsbedingungen (AVB) (opens in a new window), retrieved 06.11.2026 |
| Data recovery | not covered | not stated | No cyber cover; the household contents comprehensive or transport cover excludes losses caused by computer viruses and cyber attacks. | Where does it say so? (Data recovery)Simpego Haushaltversicherung Home, Allgemeine Versicherungsbedingungen (AVB), Ausgabe Dezember 2024, Nicht versicherte Schäden, PDF-S. 8 «durch Computerviren und Cyberattacken» Open document: Simpego Haushaltversicherung Home, Allgemeine Versicherungsbedingungen (AVB) (opens in a new window), retrieved 06.11.2026 |
| Extortion | no information | not stated | Not regulated in the conditions. | Where does it say so? (Extortion)Simpego Haushaltversicherung Home, Allgemeine Versicherungsbedingungen (AVB), Ausgabe Dezember 2024, ganzes Dokument durchsucht Open document: Simpego Haushaltversicherung Home, Allgemeine Versicherungsbedingungen (AVB) (opens in a new window), retrieved 06.11.2026 |
| Hacked accounts | no information | not stated | Not regulated in the conditions. | Where does it say so? (Hacked accounts)Simpego Haushaltversicherung Home, Allgemeine Versicherungsbedingungen (AVB), Ausgabe Dezember 2024, ganzes Dokument durchsucht Open document: Simpego Haushaltversicherung Home, Allgemeine Versicherungsbedingungen (AVB) (opens in a new window), retrieved 06.11.2026 |
| Internet legal protection | no information | not stated | Not regulated in the conditions. | Where does it say so? (Internet legal protection)Simpego Haushaltversicherung Home, Allgemeine Versicherungsbedingungen (AVB), Ausgabe Dezember 2024, ganzes Dokument durchsucht Open document: Simpego Haushaltversicherung Home, Allgemeine Versicherungsbedingungen (AVB) (opens in a new window), retrieved 06.11.2026 |
| Liability on the internet | no information | not stated | Not regulated in the conditions. | Where does it say so? (Liability on the internet)Simpego Haushaltversicherung Home, Allgemeine Versicherungsbedingungen (AVB), Ausgabe Dezember 2024, ganzes Dokument durchsucht Open document: Simpego Haushaltversicherung Home, Allgemeine Versicherungsbedingungen (AVB) (opens in a new window), retrieved 06.11.2026 |
| Smart home | no information | not stated | Not regulated in the conditions. | Where does it say so? (Smart home)Simpego Haushaltversicherung Home, Allgemeine Versicherungsbedingungen (AVB), Ausgabe Dezember 2024, ganzes Dokument durchsucht Open document: Simpego Haushaltversicherung Home, Allgemeine Versicherungsbedingungen (AVB) (opens in a new window), retrieved 06.11.2026 |
| IT help without a loss | no information | not stated | Not regulated in the conditions. | Where does it say so? (IT help without a loss)Simpego Haushaltversicherung Home, Allgemeine Versicherungsbedingungen (AVB), Ausgabe Dezember 2024, ganzes Dokument durchsucht Open document: Simpego Haushaltversicherung Home, Allgemeine Versicherungsbedingungen (AVB) (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.