Your digital life. Better protected.
Discover practical security tips, helpful protection options and guidance on standalone cyber insurance in Germany for you and your family.
Practical protection
Many effective measures are free and use features you already have.
MFA and passkeys
A second factor or passkey makes stolen passwords largely useless to attackers.
Backups
Regularly copy photos and documents to a second location – and test restoring them.
Spotting phishing
Verify requests through the known app or an address you type yourself, not the link.
Router and Wi-Fi
Keep router software updated, change the default password and use a guest network.
Strong passwords
Use a unique, long password for every account – a password manager helps.
Account protection
Keep recovery details current and review signed-in devices on key accounts.
Selected partner offer
SaferYou – standalone cyber insurance for individuals and families in Germany
Provider: SaferYou, tied agent of ARAG · Insurer: ARAG
SaferYou is a standalone policy and does not require household, liability or legal expenses insurance. Cover, limits and excesses are defined only by the provider's current terms. Available for the German market.
One partner offer among several on the market – no 'best in test' claim and no personal advice. How we select and fund
- Always review cover together with limits and exclusions
- You apply directly with the provider
- Insurance does not replace prevention
Guides
All guides- Hacked email account: what to do nextHow to regain access, end unknown sessions and limit further damage.
- Passkeys, MFA and secure passwordsHow to set up sign-in and recovery for your most important accounts.
- Identity theft: what to do when someone misuses your dataA guide for people affected in Germany: orders, reminders or contracts in your name – secure evidence, dispute claims, report to the police.
- Spotting a fake shop: warning signs to check before you buyIs this online shop legitimate? Warning signs, a six-step quick check and a balanced look at payment methods – for shoppers in Germany.
- Cyberbullying and children: what parents can do nowYour child is being bullied online? Calm, concrete steps: listen, secure evidence, report, involve the school and get help.
- Spotting a deepfake call: when a relative’s voice is fakedThe voice sounds like your child and they urgently need money? Why a familiar voice is no proof and how to check calls independently.
- Cyber security check for families: review accounts, devices and home togetherA structured review for the whole household: accounts, devices, home network, smart home and shared rules with children.
- Lost smartphone: how to prepare and get your access backWhat to set up beforehand so a lost phone isn’t a total loss: lock, find feature, backup, recovery codes and dependencies.
- Protect WhatsApp and social media: secure your accounts against takeoverHow to stop someone taking over your WhatsApp, Instagram or other social media account: second factor, linked devices, codes and changing numbers.
- Digital emergency folder: how to prepare important logins and informationHow relatives can find important digital things in an emergency without passwords lying around insecurely: contents, storage and how it differs from digital estate planning.
- Cyber insurance for individuals: what it can cover – and where the limits areProduct-neutral: what personal cyber insurance in Germany can include depending on the plan, what to check in the conditions and when it can make sense.
News
- PhishingSource date: 1–6 Oct 2026Fake banking updates and refunds used as phishing baitFake messages in the name of banks and PayPal use security updates, refunds or threatened account restrictions as a pretext.
- TrainingSource date: 30 Sep 2026Cybersecurity Month focuses on workplace skillsFor European Cybersecurity Month, ENISA highlights knowledge and preparedness at work.
- Browser securitySource date: 23 Sep 2026Chrome security advisory highlights the importance of updatesAn authority advisory flagged vulnerabilities in Chrome for Desktop and recommended applying available updates.
Incident help
If something has just happened, clear first steps matter. Taking out new insurance does not cover losses that have already occurred.
- 01Change passwords of affected accounts from a trusted device
- 02Contact your bank or provider via the known app or phone number
- 03Keep messages, screenshots and payment records
- 04Report fraud or extortion to the police
Frequently asked questions
What is personal cyber insurance?
Insurance that, depending on the plan, helps with certain online losses and problems – for example assistance, legal cover or financial compensation. A standalone policy does not require another contract. Scope and limits are set out in the provider's terms.
What kinds of losses may be covered?
Commonly mentioned examples are online shopping fraud, identity misuse, cyberbullying or data recovery. Whether and how much is covered depends on the specific plan, exclusions and excesses.
Does insurance replace technical security?
No. Insurance can soften financial consequences but does not prevent attacks. Many policies also expect basic precautions such as up-to-date software.
What should I do first after a cyber incident?
Stay calm, change passwords from a trusted device, contact your bank or provider through a known channel and keep evidence such as screenshots. You can report crimes to the police.
Does Cyberschutz.io give personal advice?
No. We provide general information and refer to selected partner offers. We do not offer personal advice, quotes or applications.