CYBER CRIME INSURANCE FOR PRIVATE

Malware, phishing, pharming, hacking, cyber security, … the media are full of these cryptic terms and as a private person you usually do not feel addressed. The fact is that, according to studies, every fifth Austrian victim of Internet fraud.

 And that’s kind of logical. In online banking and online shopping, personal information is constantly requested and stored. In addition, technical fraud possibilities are becoming increasingly sophisticated.

 Also over the Smartphone one is exposed daily to Cyber ​​dangers . With a Cyber ​​Crime insurance for private one can protect oneself against the financial risks by on-line fraud now. 

Since 2015, the number of reported cyber crime offenses has risen particularly rapidly, there is also a high number of unreported cases. Through sophisticated methods, customers often unconsciously pass on sensitive payment data (eg through fake websites – “phishing”) or they are stolen. In addition to technical manipulation, online shopping scams are also increasing. Almost two-thirds of complaints received by the Internet Ombudsman in 2017 were related to fraud or fraud-like offers on the Internet. Overall, there are significantly more complaints about services (63%) than about orders for goods (37%). With a total of 48 percent, subscription traps in 2017 were by far the most frequent grounds for complaint.

If you fall victim to an Internet fraudster and pass your data through technical deceptive maneuvers, the bank is usually not liable.

Insurance against Internet fraud

Now there are two mobile service providers that also offer private individuals good protection against online fraud and data theft. Both the A1 Cyberprotection  and the Three Cyberprotectioncan be completed for a variety of devices and for the entire family for just a few euros a month. 
But what is such an insured Internet fraud? Misuse of payment details, online shopping scams, or identity fraud can cause financial damage to your bank account. Typical scenarios are for example:

  • Phishing: Via fake websites / e-mails etc. scammers gain the payment data of the customer. This often happens in the context of online banking. The scammer then buys with your payment details or transfers money.
  • Fake Webshop:  You order at an online store, but never receive the goods or are fraudulently deceived about the goods actually delivered. A classic example: You order a Gucci handbag by 500 €, but in fact you will get a cheap fake bag.
  •  Mobile loss : Even if you lock the SIM card in the case of cell phone theft or loss and all login data changes, data can be spied out. Unauthorized account debits may result.

data Recovery

The Austrians are also afraid of losing personal information. For many, the computer or cell phone is like a big box full of priceless memories and important documents. The loss of years of accumulated family and vacation photos is hard to get over. Often, however, even a display break ensures data loss. If you send in such a device to the manufacturer for a repair, normally all data will be deleted and are permanently lost. The cyber insurances cover the costs of a professional data recovery by up to 1.200 € and that not only in case of damage by cybercriminals, but also in case of physical damages (eg smartphone falls into the toilet). The data recovery can be used for several registered devices.

Legal assistance with online disputes

Increasingly, there are also online disputes that are not frauds. That can go from consumer rights issues to cyberbullying. Here, the A1 Cyberschutz will help with free expert advice or, if necessary, even with legal services. In addition, Cyber ​​Assistance is happy to help proactively avoid financial losses.

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