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What does Vaudoise cover?

Vaudoise (Insurer): we read 1 business product and 1 private product.

As of

On this page
  1. For businesses
  2. For private customers

For businesses

Additional cover «Cyber and data protection» to the Business One contents and business liability insurance

Vaudoise

Policy terms: Ausgabe 01.12.2024

no public priceTerms not public, quote via BTAG

  • Immediate help in an emergency unclear

    Only advertising text from the product page (data restoration, notification, reputation, extortion «and if necessary the payment of a ransom», business interruption, liability); cyber GTC not public.

  • Restore data and systems unclear

    Only advertising text from the product page (data restoration, notification, reputation, extortion «and if necessary the payment of a ransom», business interruption, liability); cyber GTC not public.

  • Replace unusable devices no information

    Cyber GTC not public, no information found.

  • Loss of income after an attack unclear

    Only advertising text from the product page (data restoration, notification, reputation, extortion «and if necessary the payment of a ransom», business interruption, liability); cyber GTC not public.

  • Outage at the IT provider no information

    Cyber GTC not public, no information found.

  • Outage due to operating error no information

    Cyber GTC not public, no information found.

  • Cyber extortion unclear

    Only advertising text from the product page (data restoration, notification, reputation, extortion «and if necessary the payment of a ransom», business interruption, liability); cyber GTC not public.

  • Third-party claims after a data breach unclear

    Only advertising text from the product page (data restoration, notification, reputation, extortion «and if necessary the payment of a ransom», business interruption, liability); cyber GTC not public.

  • Proceedings before authorities no information

    Cyber GTC not public, no information found.

  • Inform affected people unclear

    Only advertising text from the product page (data restoration, notification, reputation, extortion «and if necessary the payment of a ransom», business interruption, liability); cyber GTC not public.

  • Fraud with fake instructions no information

    Cyber GTC not public, no information found.

  • Hacked e-banking no information

    Cyber GTC not public, no information found.

  • Phone hacking and extra costs no information

    Cyber GTC not public, no information found.

  • Property damage caused by an attack no information

    Cyber GTC not public, no information found.

  • Reputational damage unclear

    Only advertising text from the product page (data restoration, notification, reputation, extortion «and if necessary the payment of a ransom», business interruption, liability); cyber GTC not public.

  • Card industry penalties no information

    Cyber GTC not public, no information found.

  • Media liability no information

    Cyber GTC not public, no information found.

Key facts and terms
Price
no public price
For whom
Companies with Business One
Sums insured
not stated
Deductible
not stated
Waiting period for loss of income
not stated
Indemnity period
not stated
Territorial scope
not found
Policy terms
Terms not public, quote via BTAG

Price: No calculator found.

Gross negligence: The Business One contents GTC waive the reduction for gross negligence (except alcohol/drugs); whether this applies to the cyber additional cover is unclear.

Where does it say so? (gross negligence)

Allgemeine Bedingungen Business One Inventarversicherung, Ausgabe 01.12.2024, Ziff. C6

«Die Vaudoise verzichtet auf das ihr zustehende Regress- und Kürzungsrecht, wenn die versicherte Person den Schadenfall grobfahrlässig verursacht hat»

Open document: Allgemeine Bedingungen Business One Inventarversicherung (opens in a new window), retrieved 06.11.2026

All values as a table
What Vaudoise covers in “Additional cover «Cyber and data protection» to the Business One contents and business liability insurance”
ModuleStatusLimitWhat appliesSource
Immediate help in an emergency unclear not stated Only advertising text from the product page (data restoration, notification, reputation, extortion «and if necessary the payment of a ransom», business interruption, liability); cyber GTC not public.
Where does it say so? (Immediate help in an emergency)

Inventarversicherung Business One mit Zusatzdeckung Cyber- und Datenschutz (Produktseite), abgerufen 06.11.2026

Open document: Inventarversicherung Business One mit Zusatzdeckung Cyber- und Datenschutz (Produktseite) (opens in a new window), retrieved 06.11.2026
Restore data and systems unclear not stated Only advertising text from the product page (data restoration, notification, reputation, extortion «and if necessary the payment of a ransom», business interruption, liability); cyber GTC not public.
Where does it say so? (Restore data and systems)

Inventarversicherung Business One mit Zusatzdeckung Cyber- und Datenschutz (Produktseite), abgerufen 06.11.2026

Open document: Inventarversicherung Business One mit Zusatzdeckung Cyber- und Datenschutz (Produktseite) (opens in a new window), retrieved 06.11.2026
Replace unusable devices no information not stated Cyber GTC not public, no information found.
Where does it say so? (Replace unusable devices)

Inventarversicherung Business One mit Zusatzdeckung Cyber- und Datenschutz (Produktseite), abgerufen 06.11.2026

Open document: Inventarversicherung Business One mit Zusatzdeckung Cyber- und Datenschutz (Produktseite) (opens in a new window), retrieved 06.11.2026
Loss of income after an attack unclear not stated Only advertising text from the product page (data restoration, notification, reputation, extortion «and if necessary the payment of a ransom», business interruption, liability); cyber GTC not public.
Where does it say so? (Loss of income after an attack)

Inventarversicherung Business One mit Zusatzdeckung Cyber- und Datenschutz (Produktseite), abgerufen 06.11.2026

Open document: Inventarversicherung Business One mit Zusatzdeckung Cyber- und Datenschutz (Produktseite) (opens in a new window), retrieved 06.11.2026
Outage at the IT provider no information not stated Cyber GTC not public, no information found.
Where does it say so? (Outage at the IT provider)

Inventarversicherung Business One mit Zusatzdeckung Cyber- und Datenschutz (Produktseite), abgerufen 06.11.2026

Open document: Inventarversicherung Business One mit Zusatzdeckung Cyber- und Datenschutz (Produktseite) (opens in a new window), retrieved 06.11.2026
Outage due to operating error no information not stated Cyber GTC not public, no information found.
Where does it say so? (Outage due to operating error)

Inventarversicherung Business One mit Zusatzdeckung Cyber- und Datenschutz (Produktseite), abgerufen 06.11.2026

Open document: Inventarversicherung Business One mit Zusatzdeckung Cyber- und Datenschutz (Produktseite) (opens in a new window), retrieved 06.11.2026
Cyber extortion unclear not stated Only advertising text from the product page (data restoration, notification, reputation, extortion «and if necessary the payment of a ransom», business interruption, liability); cyber GTC not public.
Where does it say so? (Cyber extortion)

Inventarversicherung Business One mit Zusatzdeckung Cyber- und Datenschutz (Produktseite), abgerufen 06.11.2026

Open document: Inventarversicherung Business One mit Zusatzdeckung Cyber- und Datenschutz (Produktseite) (opens in a new window), retrieved 06.11.2026
Third-party claims after a data breach unclear not stated Only advertising text from the product page (data restoration, notification, reputation, extortion «and if necessary the payment of a ransom», business interruption, liability); cyber GTC not public.
Where does it say so? (Third-party claims after a data breach)

Inventarversicherung Business One mit Zusatzdeckung Cyber- und Datenschutz (Produktseite), abgerufen 06.11.2026

Open document: Inventarversicherung Business One mit Zusatzdeckung Cyber- und Datenschutz (Produktseite) (opens in a new window), retrieved 06.11.2026
Proceedings before authorities no information not stated Cyber GTC not public, no information found.
Where does it say so? (Proceedings before authorities)

Inventarversicherung Business One mit Zusatzdeckung Cyber- und Datenschutz (Produktseite), abgerufen 06.11.2026

Open document: Inventarversicherung Business One mit Zusatzdeckung Cyber- und Datenschutz (Produktseite) (opens in a new window), retrieved 06.11.2026
Inform affected people unclear not stated Only advertising text from the product page (data restoration, notification, reputation, extortion «and if necessary the payment of a ransom», business interruption, liability); cyber GTC not public.
Where does it say so? (Inform affected people)

Inventarversicherung Business One mit Zusatzdeckung Cyber- und Datenschutz (Produktseite), abgerufen 06.11.2026

Open document: Inventarversicherung Business One mit Zusatzdeckung Cyber- und Datenschutz (Produktseite) (opens in a new window), retrieved 06.11.2026
Fraud with fake instructions no information not stated Cyber GTC not public, no information found.
Where does it say so? (Fraud with fake instructions)

Inventarversicherung Business One mit Zusatzdeckung Cyber- und Datenschutz (Produktseite), abgerufen 06.11.2026

Open document: Inventarversicherung Business One mit Zusatzdeckung Cyber- und Datenschutz (Produktseite) (opens in a new window), retrieved 06.11.2026
Hacked e-banking no information not stated Cyber GTC not public, no information found.
Where does it say so? (Hacked e-banking)

Inventarversicherung Business One mit Zusatzdeckung Cyber- und Datenschutz (Produktseite), abgerufen 06.11.2026

Open document: Inventarversicherung Business One mit Zusatzdeckung Cyber- und Datenschutz (Produktseite) (opens in a new window), retrieved 06.11.2026
Phone hacking and extra costs no information not stated Cyber GTC not public, no information found.
Where does it say so? (Phone hacking and extra costs)

Inventarversicherung Business One mit Zusatzdeckung Cyber- und Datenschutz (Produktseite), abgerufen 06.11.2026

Open document: Inventarversicherung Business One mit Zusatzdeckung Cyber- und Datenschutz (Produktseite) (opens in a new window), retrieved 06.11.2026
Property damage caused by an attack no information not stated Cyber GTC not public, no information found.
Where does it say so? (Property damage caused by an attack)

Inventarversicherung Business One mit Zusatzdeckung Cyber- und Datenschutz (Produktseite), abgerufen 06.11.2026

Open document: Inventarversicherung Business One mit Zusatzdeckung Cyber- und Datenschutz (Produktseite) (opens in a new window), retrieved 06.11.2026
Reputational damage unclear not stated Only advertising text from the product page (data restoration, notification, reputation, extortion «and if necessary the payment of a ransom», business interruption, liability); cyber GTC not public.
Where does it say so? (Reputational damage)

Inventarversicherung Business One mit Zusatzdeckung Cyber- und Datenschutz (Produktseite), abgerufen 06.11.2026

Open document: Inventarversicherung Business One mit Zusatzdeckung Cyber- und Datenschutz (Produktseite) (opens in a new window), retrieved 06.11.2026
Card industry penalties no information not stated Cyber GTC not public, no information found.
Where does it say so? (Card industry penalties)

Inventarversicherung Business One mit Zusatzdeckung Cyber- und Datenschutz (Produktseite), abgerufen 06.11.2026

Open document: Inventarversicherung Business One mit Zusatzdeckung Cyber- und Datenschutz (Produktseite) (opens in a new window), retrieved 06.11.2026
Media liability no information not stated Cyber GTC not public, no information found.
Where does it say so? (Media liability)

Inventarversicherung Business One mit Zusatzdeckung Cyber- und Datenschutz (Produktseite), abgerufen 06.11.2026

Open document: Inventarversicherung Business One mit Zusatzdeckung Cyber- und Datenschutz (Produktseite) (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.

For private customers

Home in One, additional cover for misuse of credit and debit cards (Art. F4)

Vaudoise

Policy terms: Ausgabe 01.01.2023

no public price

  • Misuse of card, Twint, e-banking limited

    Financial losses through misuse of credit/debit cards by third parties up to the agreed sum; subsidiary to the card issuer’s insurance. Excluded: misuse via the internet, card without signature, code kept with the card.

  • Online purchase no information

    Not regulated in the conditions.

  • Online sale no information

    Not regulated in the conditions.

  • Identity theft no information

    Not regulated in the conditions.

  • Cyberbullying and defamation no information

    Not regulated in the conditions.

  • Data recovery no information

    Not regulated in the conditions.

  • Extortion no information

    Not regulated in the conditions.

  • Hacked accounts no information

    Not regulated in the conditions.

  • Internet legal protection no information

    Not regulated in the conditions.

  • Liability on the internet no information

    Not regulated in the conditions.

  • Smart home no information

    Not regulated in the conditions.

  • IT help without a loss no information

    Not regulated in the conditions.

Key facts and terms
Price
no public price
Type
Add-on to household contents insurance
Deductible
not stated

Price only via an agency/quote. No private cyber insurance from Vaudoise was found (sitemap of vaudoise.ch searched; media release «Cyberschutz: sicher online unterwegs» of 28.09.2021 not retrievable).

Exclusions (2)

Exclusions

All values as a table
What Vaudoise covers in “Home in One, additional cover for misuse of credit and debit cards (Art. F4)”
ModuleStatusLimitWhat appliesSource
Misuse of card, Twint, e-banking limited not stated Financial losses through misuse of credit/debit cards by third parties up to the agreed sum; subsidiary to the card issuer’s insurance. Excluded: misuse via the internet, card without signature, code kept with the card.
Where does it say so? (Misuse of card, Twint, e-banking)

Allgemeine Bedingungen Home in One (Hausrat, Privathaftpflicht, Gebäude), Ausgabe 01.01.2023, Art. F4 Ausschlüsse, PDF-S. 32

«Missbräuche per Internet.»

Open document: Allgemeine Bedingungen Home in One (Hausrat, Privathaftpflicht, Gebäude) (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)

Allgemeine Bedingungen Home in One (Hausrat, Privathaftpflicht, Gebäude), Ausgabe 01.01.2023, ganzes Dokument durchsucht

Open document: Allgemeine Bedingungen Home in One (Hausrat, Privathaftpflicht, Gebäude) (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)

Allgemeine Bedingungen Home in One (Hausrat, Privathaftpflicht, Gebäude), Ausgabe 01.01.2023, ganzes Dokument durchsucht

Open document: Allgemeine Bedingungen Home in One (Hausrat, Privathaftpflicht, Gebäude) (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)

Allgemeine Bedingungen Home in One (Hausrat, Privathaftpflicht, Gebäude), Ausgabe 01.01.2023, ganzes Dokument durchsucht

Open document: Allgemeine Bedingungen Home in One (Hausrat, Privathaftpflicht, Gebäude) (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)

Allgemeine Bedingungen Home in One (Hausrat, Privathaftpflicht, Gebäude), Ausgabe 01.01.2023, ganzes Dokument durchsucht

Open document: Allgemeine Bedingungen Home in One (Hausrat, Privathaftpflicht, Gebäude) (opens in a new window), retrieved 06.11.2026
Data recovery no information not stated Not regulated in the conditions.
Where does it say so? (Data recovery)

Allgemeine Bedingungen Home in One (Hausrat, Privathaftpflicht, Gebäude), Ausgabe 01.01.2023, ganzes Dokument durchsucht

Open document: Allgemeine Bedingungen Home in One (Hausrat, Privathaftpflicht, Gebäude) (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)

Allgemeine Bedingungen Home in One (Hausrat, Privathaftpflicht, Gebäude), Ausgabe 01.01.2023, ganzes Dokument durchsucht

Open document: Allgemeine Bedingungen Home in One (Hausrat, Privathaftpflicht, Gebäude) (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)

Allgemeine Bedingungen Home in One (Hausrat, Privathaftpflicht, Gebäude), Ausgabe 01.01.2023, ganzes Dokument durchsucht

Open document: Allgemeine Bedingungen Home in One (Hausrat, Privathaftpflicht, Gebäude) (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)

Allgemeine Bedingungen Home in One (Hausrat, Privathaftpflicht, Gebäude), Ausgabe 01.01.2023, ganzes Dokument durchsucht

Open document: Allgemeine Bedingungen Home in One (Hausrat, Privathaftpflicht, Gebäude) (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)

Allgemeine Bedingungen Home in One (Hausrat, Privathaftpflicht, Gebäude), Ausgabe 01.01.2023, ganzes Dokument durchsucht

Open document: Allgemeine Bedingungen Home in One (Hausrat, Privathaftpflicht, Gebäude) (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)

Allgemeine Bedingungen Home in One (Hausrat, Privathaftpflicht, Gebäude), Ausgabe 01.01.2023, ganzes Dokument durchsucht

Open document: Allgemeine Bedingungen Home in One (Hausrat, Privathaftpflicht, Gebäude) (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)

Allgemeine Bedingungen Home in One (Hausrat, Privathaftpflicht, Gebäude), Ausgabe 01.01.2023, ganzes Dokument durchsucht

Open document: Allgemeine Bedingungen Home in One (Hausrat, Privathaftpflicht, Gebäude) (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.

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