Is it covered? 30 questions on fraud and losses on the internet
Choose what happened. Each answer shows who pays first, what each provider says and what you should do straight away.
As of
30 situations in 8 rooms
The symbol shows the most common answer in the terms.
-
Card, Twint, e-banking
Strangers pay with your money · 12 situations
- There is an unknown charge on my credit card, and I still have the card. Is this covered? limited
- My card was stolen and someone used it to pay or withdraw money. limited
- I clicked on a phishing link and entered my card details or a code. limited
- Fraudsters took over my e-banking and transferred money. limited
- A fake bank employee called me and I confirmed the payment myself. unclear
- Twint fraud on Ricardo or Tutti: an alleged buyer emptied my account. limited
- I fell for a crypto investment scam. not covered
- Love scam: I transferred money to someone I met online. unclear
- SIM swapping: my mobile phone suddenly has no network and someone is using my number. limited
- Shock call or grandparent scam with an AI voice: I gave money to an alleged relative or police officer. unclear
- A fake Microsoft or IT support obtained remote access and debited money. limited
- I only noticed a charge after two months. Am I still entitled to anything? not covered
-
Buying and selling online
Paid, but nothing or the wrong thing delivered, fake shop · Shipped, but never paid · 5 situations
- I paid a private seller via Twint, but the goods never arrived. covered
- Fake shop: I paid online, but the goods never arrived. covered
- The goods arrived wrong or broken, and the online merchant does not respond. covered
- I booked a holiday flat online that does not exist. covered
- I sold something online and shipped it, but never received any money. limited
-
Accounts and identity
Social media, email or shop taken over · Orders and accounts in your name · 3 situations
-
Extortion
Sextortion, ransomware on your own device · 3 situations
-
Bullying and reputation
Removing content, psychological support · 2 situations
-
Devices and data
Remove malware, restore data and devices · Hotline and advice before anything happens · 2 situations
-
Smart home
Attack on camera, router or door lock · 1 situation
-
Law and liability
Lawyer and proceedings in an online dispute · You unintentionally caused harm to others · 2 situations
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.