I only noticed a charge after two months. Am I still entitled to anything?

The conditions do not expressly regulate a missed reporting deadline; the insurer pays on a secondary basis and may reduce benefits if obligations were breached.

Deductible: none

After the dispute deadline has expired, the charge is deemed approved. T&C (unauthorised payment, card stolen/lost): Cembra covers losses from misuse by third parties or through counterfeiting if the holder complied with the duties of care under section 3 and is not at fault. Anyone who breaches their obligations is liable without limit until the card is blocked. Conditions: keep the PIN secret and do not record it, not even in encrypted form, report loss immediately, criminal complaint with copy, written dispute no later than 30 days from the monthly invoice, form within 10 days.

After the dispute deadline has expired, the charge is deemed approved. T&C (unauthorised payment, card data hacked/copied (card-not-present, skimming)): Stolen or copied card data must be reported immediately (section 3.3); section 4.1 then applies. However, Cembra rejects any liability for transactions after unlawful access to the holder’s device and for losses caused by spying out data or careless handling of means of authentication. Where 3-D Secure is offered, it must be used (section 3.9).

The conditions do not expressly regulate a missed reporting deadline; the insurer pays on a secondary basis and may reduce benefits if obligations were breached.

After the dispute deadline has expired, the charge is deemed approved. T&C (unauthorised payment, card stolen/lost): The bank only covers losses from misuse by third parties (including counterfeiting) if the holder proves that they complied with the T&C in all respects, in particular the duties of care, and is not at fault. Excluded: transactions with PIN, mTAN or 3-D Secure, misuse by persons close to the holder, insured losses. Conditions: never write down PIN and card data or disclose them to anyone, do not keep the PIN with the card, report loss immediately, police report, dispute immediately and in writing within 30 days of the monthly statement, loss form within 10 days.

After the dispute deadline has expired, the charge is deemed approved. T&C (unauthorised payment, card data hacked/copied (card-not-present, skimming)): The risk of misuse lies in principle with the cardholder (authentication, section 5). Coverage only under the conditions of section 7 and only if merely card data without an additional means of authentication was used. Expressly excluded are losses through manipulation of mobile phones and SIM cards (section 7 g) and through electronic means of communication.

After the dispute deadline has expired, the charge is deemed approved. T&C (unauthorised payment, card stolen/lost): Migros Bank covers losses from misuse by third parties (including counterfeiting) without deductible if the terms of use were complied with in all respects and there is no fault. Persons close to the holder are not considered third parties; in the event of a breach of duty, the holder is liable without limit until the card is blocked. Conditions: report without delay, written dispute no later than 30 days from the monthly invoice, form within 10 days, criminal complaint with copy.

Deductible: none

After the dispute deadline has expired, the charge is deemed approved. T&C (unauthorised payment, card data hacked/copied (card-not-present, skimming)): Even for transactions with PIN or 3-D Secure, Migros Bank covers the charges if it is proven that third parties unlawfully interfered with networks, telecom facilities or the customer’s infrastructure (e.g. malware on the device). Requirement: dispute in time and duties of care complied with. This clause is more customer-friendly than with most other issuers examined.

Deductible: none

After the dispute deadline has expired, the charge is deemed approved. T&C (unauthorised payment, card stolen/lost): PostFinance Card (debit): PostFinance covers losses from misuse by third parties if the customer proves that the T&C and conditions of participation were complied with and she is not at fault. Persons close to the customer are not considered third parties; insured losses and consequential losses are excluded. Conditions: block the card immediately, police report in the case of criminal offences, use 3-D Secure where offered; loss form within 10 days. There is no dispute deadline in days for the debit card; the T&C require a dispute «immediately».

After the dispute deadline has expired, the charge is deemed approved. T&C (unauthorised payment, card data hacked/copied (card-not-present, skimming)): PostFinance credit cards: the risk lies in principle with the customer. If no means of identification or security element was used, PostFinance covers the loss, provided the customer has complied with all conditions and is not at fault. Dispute within 30 days of the invoice, form within 10 days. Compensation may be limited or excluded, for example in the event of lack of cooperation or repeated cases.

After the dispute deadline has expired, the charge is deemed approved. T&C (unauthorised payment, card stolen/lost): Credit card: the bank covers losses from misuse by third parties not close to the holder if the duties of care (section 8) were complied with and there is no fault. Not covered are losses in the event of a breach of duty until the card is blocked, transactions with one of the methods named in section 6 (PIN, 3-D Secure, mobile payment), insured losses and consequential losses. Report misuse immediately by telephone, written dispute no later than 30 days from the monthly invoice, form within 10 days.

After the dispute deadline has expired, the charge is deemed approved. T&C (unauthorised payment, card stolen/lost (debit card)): Debit card (Debit Mastercard, Visa Debit): same liability logic as for the credit card (section 13), but a longer reporting deadline: report discrepancies no later than 45 calendar days after receipt of the account statement, otherwise it is deemed approved; form within 10 calendar days.

After the dispute deadline has expired, the charge is deemed approved. T&C (unauthorised payment, card data hacked/copied (card-not-present, skimming)): Data theft and counterfeiting by third parties not close to the cardholder are expressly covered, provided no obligation was breached and the payment was not approved with PIN, 3-D Secure or mobile payment. For mobile payment losses, the conditions of the third-party provider must also have been complied with.

No protection if the reporting obligation was breached or the review deadline for unauthorised payments was missed.

After the dispute deadline has expired, the charge is deemed approved. T&C (unauthorised payment, card stolen/lost): Swisscard only covers charges from misuse by third parties if the customer has breached neither the T&C nor the duties of care and is not at fault. Excluded as soon as the transaction was made with PIN, mTAN or 3-D Secure (section 11.4 a), and in the event of misuse by persons close to the cardholder. Conditions: keep the PIN separately and do not write it down, block the card immediately, police report if misuse is suspected, written loss report within 30 days of the invoice date, form within 10 days. Claims must be assigned to Swisscard.

After the dispute deadline has expired, the charge is deemed approved. T&C (unauthorised payment, card data hacked/copied (card-not-present, skimming)): Swisscard covers pure card data transactions without an additional means of authentication under section 11.3 if the customer has fulfilled all obligations (among others, protecting the device with a lock, an up-to-date operating system and antivirus, section 10.1 k). The 3-D Secure conditions additionally require that the misuse is proven. Skimming with PIN entry falls under the exclusion in section 11.4 a.

After the dispute deadline has expired, the charge is deemed approved. T&C (unauthorised payment, card stolen/lost): Debit card: UBS covers losses from misuse by third parties (including counterfeiting) if the cardholder proves that they complied with the conditions in all respects and are not at fault. Persons close to the cardholder are not considered third parties; insured losses are excluded. Conditions: do not keep the PIN with the card and do not store it, report immediately, police report, dispute within 30 days of receipt of the account statement, form within 10 days.

After the dispute deadline has expired, the charge is deemed approved. T&C (unauthorised payment, card data hacked/copied (card-not-present, skimming)): Credit card: the risk lies in principle with the cardholder. If no means of access was used, UBS covers the loss if disputed in time (immediately, no later than 30 days from the statement date), provided all T&C provisions were complied with and there is no fault.

The conditions do not expressly regulate a missed reporting deadline; the insurer pays on a secondary basis and may reduce benefits if obligations were breached.

Deductible: none

After the dispute deadline has expired, the charge is deemed approved. T&C (unauthorised payment, card stolen/lost): Viseca covers losses from proven misuse by third parties not close to the cardholder in full. Not covered are losses where duties of care and notification were breached (the customer then bears the loss without limit until the card is blocked), transactions with PIN, 3-D Secure, SMS code or biometrics, and insured losses. Conditions: keep the card separate from the PIN, never write down the PIN, block immediately (24h service or app), police report with copy, dispute no later than 30 days after the statement date, form within 10 days.

Deductible: none

After the dispute deadline has expired, the charge is deemed approved. T&C (unauthorised payment, card data hacked/copied (card-not-present, skimming)): Expressly covered are counterfeits and data theft by third parties not close to the cardholder, provided the payment was not authenticated with PIN, 3-D Secure or SMS code and the customer has fulfilled their obligations (among others, protecting devices with antivirus and updates, not disclosing card data).

Deductible: none

After the dispute deadline has expired, the charge is deemed approved. T&C (unauthorised payment, card stolen/lost): ZKB Visa Debit: the bank covers losses from misuse by third parties (including counterfeiting) if the provisions were complied with in all respects, there is no fault and the dispute was made in time. Anyone who disputes too late (later than 30 days after the account statement, form within 10 days) loses any claim. If neither the bank nor the customer breached their obligations, the loss is borne by the party in whose sphere of influence the misuse occurred. ZKB credit cards are issued by Viseca; the Viseca T&C apply to them.

Excluded if you let the period for checking an unauthorised payment pass unused.

Deductible: none

The cover supplements the part for which you are liable under the issuer’s T&C; whether a loss you bear yourself because of a missed deadline falls under this is open; breaches of obligations lead to a reduction.

Deductible: CHF 50

The conditions do not expressly regulate a missed reporting deadline; the insurer pays on a secondary basis and may reduce benefits if obligations were breached.

The conditions do not expressly regulate a missed reporting deadline; the insurer pays on a secondary basis and may reduce benefits if obligations were breached.

Deductible: CHF 50

The conditions do not expressly regulate a missed reporting deadline; the insurer pays on a secondary basis and may reduce benefits if obligations were breached.

The conditions do not expressly regulate a missed reporting deadline; the insurer pays on a secondary basis and may reduce benefits if obligations were breached.

Subsidiary: only what third parties would not have to cover is compensated; whether a missed deadline counts as a culpable breach of obligations is decided by the insurer.

The conditions do not expressly regulate a missed reporting deadline; the insurer pays on a secondary basis and may reduce benefits if obligations were breached.

The conditions do not expressly regulate a missed reporting deadline; the insurer pays on a secondary basis and may reduce benefits if obligations were breached.

Deductible: none

The conditions do not expressly regulate a missed reporting deadline; the insurer pays on a secondary basis and may reduce benefits if obligations were breached.

Not insured are losses that you only bear because you let the period for checking an unauthorised payment pass unused.

Deductible: none

Only legal costs (lawyer, court, expert opinions), not the lost amount itself. Covered is claiming damages in the event of credit card misuse on the internet (against the party causing the loss). Whether a dispute with the bank or card issuer about the chargeback counts as a «contract for private use» (B2.15) is not expressly regulated; financial transactions are excluded (A7 let. h). Limit = sum insured according to the policy (example on the product page CHF 300'000, max. CHF 1 million per year). No waiting period.

Only legal costs (lawyer, court, expert opinions), not the lost amount itself. According to the product page, the basic private legal protection already helps if the merchant and the credit card issuer ignore a complaint about an unauthorised charge (consumer law, Art. A3 let. a). This covers the dispute with the card issuer; e-banking/Twint not expressly mentioned. Limit = Europe CHF 750'000 (world CHF 150'000). Waiting period 90 days; does not apply to contracts concluded after the policy start.

Only legal costs (lawyer, court, expert opinions), not the lost amount itself. Legal dispute as a victim of credit card misuse, phishing, hacking, skimming; no waiting period. Opposing party not restricted; a dispute with the bank or card issuer is not expressly mentioned. In addition: if legal assistance is unsuccessful after 180 days, the financial loss from unauthorised purchases/sales by third parties is compensated up to CHF 1'000. Limit = legal costs CHF 50'000.

Deductible: none

Only legal costs (lawyer, court, expert opinions), not the lost amount itself. Legal dispute as a victim of credit card misuse, phishing, hacking, skimming; no waiting period. Opposing party not restricted; a dispute with the bank or card issuer is not expressly mentioned. In addition: if legal assistance is unsuccessful after 180 days, the financial loss from unauthorised purchases/sales by third parties is compensated up to CHF 1'000. Limit = legal costs CHF 75'000.

Deductible: none

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).

Deductible: none

Only legal costs (lawyer, court, expert opinions), not the lost amount itself. Victim of phishing/hacking and credit card misuse (only if committed via the internet). Low sum insured CHF 5'000 (Premium CHF 20'000), waiting period 1 month. If legal assistance is unsuccessful after 60 days, Orion may compensate the proven loss up to CHF 1'000 (Premium CHF 3'000), once per year, subsidiary to household contents insurance. Dispute with the bank not expressly mentioned.

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.

Deductible: none

The conditions do not expressly regulate a missed reporting deadline; the insurer pays on a secondary basis and may reduce benefits if obligations were breached.

Deductible: none

The conditions do not expressly regulate a missed reporting deadline; the insurer pays on a secondary basis and may reduce benefits if obligations were breached.

Deductible: CHF 150

The conditions do not expressly regulate a missed reporting deadline; the insurer pays on a secondary basis and may reduce benefits if obligations were breached.