SaferYou: ARAG cyber and internet cover at a glance

This page describes the SaferYou product: what its plans include, where the limits are and what applies in an incident. For context: cyber insurance can help with certain online losses but does not replace prevention. The offer relates to the German market.

SaferYou

Internet insurance for individuals and families

Insurer: ARAG SE

What is covered in principle?

SaferYou is based on the ARAG plans web@ktiv Basis, Komfort and Premium. At its core is legal expenses cover for private internet use. From Komfort, financial compensation with its own, much lower limits is added; Premium also includes electronics cover.

A · Legal expenses cover
Lawyer and procedural costs in disputes around private internet use – in all plans.
B · Own financial losses
Compensation for certain financial losses from cybercrime – from Komfort, with separate limits.
C · Services
Legal advice by phone, reputation check, content removal and psychological first aid.
D · Electronics cover
Damage to smartphones, laptops, tablets or consoles – Premium only.

According to the terms, the financial compensation benefits and the electronics cover are provided by ARAG Allgemeine Versicherungs-AG as risk carrier.

The sum insured is a legal expenses limit for lawyer, court and procedural costs. It is not a compensation limit for stolen money, online fraud or identity theft – separate sub-limits apply to those, listed below.

Legal cover in everyday digital life

Legal cover for damages and injunctionsFor reputational harm, identity misuse and payment method misuse.Which limit applies? Within your plan's legal expenses limit.
What does it mean?
You want to claim damages or an injunction, e.g. after insults on a social network or when someone shops using your data.
What can be covered?
Lawyer and procedural costs, including injunctions to prevent repetition.
Which limit applies?
Within your plan's legal expenses limit.
Which condition matters?
Not covered: reputational harm in the online press and defending damages claims against you.
Active criminal legal coverLegal help when you want to file a criminal complaint.Which limit applies? Up to €1,000 in total per calendar year.
What does it mean?
You want to file a criminal complaint for reputational harm or identity misuse.
What can be covered?
A lawyer's work on the complaint.
Which limit applies?
Up to €1,000 in total per calendar year.
Which condition matters?
Only for reputational harm and identity misuse.
Criminal defence coverIf you are accused of a misdemeanour, e.g. insult.Which limit applies? Within the legal expenses limit.
What does it mean?
You are accused of a criminal misdemeanour, such as insult or unauthorised use of protected works.
What can be covered?
Your defence costs.
Which limit applies?
Within the legal expenses limit.
Which condition matters?
No cover if you are accused of a felony. If intent is established by a final judgment, you must repay the costs.
Cover for copyright warning lettersScope differs by plan.Which limit applies? Up to €10,000 per calendar year.
What does it mean?
As a private individual you received a warning letter for alleged copyright infringement.
What can be covered?
Basis: initial legal consultation only, up to the plan limit. Komfort: further out-of-court cover. Premium: additionally court proceedings, up to the plan limit.
Which limit applies?
Up to €10,000 per calendar year.
Which condition matters?
Only for private warning letters.
Legal cover for online contractsfrom KomfortDisputes over contracts concluded online and with your internet provider.Which limit applies? Within the legal expenses limit.
What does it mean?
E.g. disputes with an online shop, your internet provider, car-sharing providers or short-term letting of your home.
What can be covered?
Lawyer and procedural costs.
Which limit applies?
Within the legal expenses limit.
Which condition matters?
Contracts in your own name and interest; short-term letting up to four weeks a year.
Employment cover after online postsfrom KomfortWhen an online post triggers an employment dispute.Which limit applies? Within the legal expenses limit; up to €1,000 for termination agreements without an insured event.
What does it mean?
Example: you are dismissed over an allegedly defamatory statement on a social network.
What can be covered?
Lawyer and procedural costs.
Which limit applies?
Within the legal expenses limit; up to €1,000 for termination agreements without an insured event.
Which condition matters?
Only if an online post triggered the dispute.
Legal advice by phone (ARAG JuraTel)Initial consultation with a lawyer by phone.Which limit applies? Abroad up to €250 per consultation, at most €500 per calendar year.
What does it mean?
A phone number for quick initial legal advice, including on legal questions in certain other countries.
What can be covered?
The advising lawyer's fee.
Which limit applies?
Abroad up to €250 per consultation, at most €500 per calendar year.
Which condition matters?
Initial advice only, not ongoing representation.
MediationSupported out-of-court settlement.Which limit applies? €3,000 per mediation, €6,000 per calendar year.
What does it mean?
A mediator supports a settlement without going to court.
What can be covered?
Mediation costs including out-of-court expert costs.
Which limit applies?
€3,000 per mediation, €6,000 per calendar year.
Which condition matters?
In all three plans according to the benefit overview.

Financial benefits with their own sub-limits

From Komfort, ARAG Allgemeine compensates certain financial losses from cybercrime – up to €3,000 per event and €10,000 per policy year. This limit is separate from the legal expenses limit. Losses under €50 are not covered.

Data damage by malwarefrom KomfortCosts of attempting to restore data.Which limit applies? Part of the €3,000 per event and €10,000 per policy year limit.
What does it mean?
A third party installed malware on your device and private data is lost or damaged.
What can be covered?
Costs of attempting to recover or restore private data.
Which limit applies?
Part of the €3,000 per event and €10,000 per policy year limit.
Which condition matters?
No entitlement to successful recovery; pirated or unlicensed software is excluded.

Cyberbullying and reputation

Reputation checkThe web is searched for damaging content.Which limit applies? Up to €100 per check, up to €1,000 per calendar year.
What does it mean?
A specialist provider searches for compromising photos or sensitive data and removes them on request.
What can be covered?
Costs of the appointed provider.
Which limit applies?
Up to €100 per check, up to €1,000 per calendar year.
Which condition matters?
The provider is appointed by ARAG.
Content removal serviceHelp removing damaging content.Which limit applies? Up to €100 per insured event, up to €1,000 per calendar year.
What does it mean?
E.g. research and help to identify those responsible or contacts for removal.
What can be covered?
Costs of a specialist provider.
Which limit applies?
Up to €100 per insured event, up to €1,000 per calendar year.
Which condition matters?
Also applies to content published up to five years before the policy started.
Psychological first aid after cyberbullyingTelephone support from psychologists or psychotherapists.Which limit applies? Scope according to ARB § 5 (6) f.
What does it mean?
Support in coping with psychological strain caused by cyberbullying.
What can be covered?
Costs of the arranged telephone support.
Which limit applies?
Scope according to ARB § 5 (6) f.
Which condition matters?
Telephone first aid, not ongoing therapy.

Identity misuse

Identity misuse: losses via your customer accountfrom KomfortA third party uses your private online account and your bank account is charged.Which limit applies? €3,000 per event, €10,000 per policy year; minimum loss €50.
What does it mean?
Someone uses your private online customer account without authorisation and your bank account is charged irreversibly.
What can be covered?
Compensation for the financial loss.
Which limit applies?
€3,000 per event, €10,000 per policy year; minimum loss €50.
Which condition matters?
Secondary: other insurance or payment services that must pay take priority.
Replacement documents after identity theftfrom KomfortFees for new payment cards and ID documents.Which limit applies? €250 per event, up to €500 per calendar year.
What does it mean?
After identity theft, e.g. a hacked customer account, you have to replace cards or IDs.
What can be covered?
Fees for replacement or reissue.
Which limit applies?
€250 per event, up to €500 per calendar year.
Which condition matters?
Requires a criminal complaint about the theft of your identity data.

Online shopping and payment methods

Online purchase: item not delivered or unusablefrom KomfortCompensation if the seller fails to act despite a deadline.Which limit applies? €3,000 per event, €10,000 per policy year; minimum loss €50.
What does it mean?
You bought and paid for a shippable item for private use online, and it doesn't arrive or differs significantly.
What can be covered?
Compensation for the financial loss.
Which limit applies?
€3,000 per event, €10,000 per policy year; minimum loss €50.
Which condition matters?
You must have exercised your rights (e.g. withdrawal, complaint); sellers outside the EEA, vouchers, tickets, downloads and animals are excluded.
Online sale: buyer fakes identityfrom KomfortIf you must refund the price to the real account holder.Which limit applies? €3,000 per event, €10,000 per policy year.
What does it mean?
A buyer uses someone else's account and you have to repay the price you received.
What can be covered?
Compensation for the financial loss.
Which limit applies?
€3,000 per event, €10,000 per policy year.
Which condition matters?
Not covered if you shipped the item before receiving payment.
Unauthorised bank transactions via phishingfrom KomfortOnly if your bank rightly refused to reimburse you.Which limit applies? €3,000 per event, €10,000 per policy year.
What does it mean?
A third party debits your account through phishing or pharming in online banking.
What can be covered?
The amount your bank rightly refuses to refund due to gross negligence; the difference if partly refused.
Which limit applies?
€3,000 per event, €10,000 per policy year.
Which condition matters?
Only privately used accounts at a bank branch in Germany; written refusal by the bank required.
Legal cover for payment method misuseLegal enforcement, e.g. after credit card misuse.Which limit applies? Within the legal expenses limit.
What does it mean?
Someone uses your card details or e-money for purchases.
What can be covered?
Lawyer and procedural costs for your claims – not reimbursement of the money itself.
Which limit applies?
Within the legal expenses limit.
Which condition matters?
Part of the damages legal cover.

Extras in Komfort and Premium

Digital estatefrom KomfortLegal help to arrange your digital estate.Which limit applies? Once, up to €500 during the policy term.
What does it mean?
A provider or lawyer helps arrange accounts and data in case of death.
What can be covered?
Costs of the appointed provider or lawyer.
Which limit applies?
Once, up to €500 during the policy term.
Which condition matters?
From Komfort.
Online monitoringfrom KomfortService to monitor certain data online.Which limit applies? Scope according to the current service description.
What does it mean?
An ARAG service for as long as the Komfort or Premium policy runs.
What can be covered?
The service itself.
Which limit applies?
Scope according to the current service description.
Which condition matters?
A service, not insurance cover in the narrow sense.

Electronics cover

In the sample application, electronics cover is shown as a separate premium component of Premium. Whether it is included depends on your offer.

Not included in Komfort – from Premium.

Who is covered?

You and your minor children.
Unmarried adult children until their first permanent paid job or until they become self-employed.
With family cover, also your spouse or partner and relatives living and registered in your household.
Whether single or family cover applies is stated in the policy schedule.

Key limits and conditions

Only private internet use is covered; commercial, freelance and other self-employed activities are excluded (except a small side activity in Premium).
Defending damages claims against you is not covered unless they are based on a contract.
Reputational harm in the online press is excluded.
Financial compensation only from Komfort, with a €50 minimum and secondary to other insurance and payment services.
For phishing losses on your bank account, the bank must first have rightly refused reimbursement in writing.
The insured event must occur during the policy term; the obligations in the terms apply.

What the insurance does not mean

The legal expenses limit of up to €300,000 is not an amount paid out to you after fraud.
Stolen money is not reimbursed automatically – only in the listed cases and up to the sub-limits.
The insurance does not replace prevention such as MFA, updates and backups.
Cyberschutz.io does not assess your individual case or confirm cover.

Frequently asked questions

Is the €300,000 sum in Premium the maximum for online fraud?

No. That is the legal expenses limit for lawyer and procedural costs. Financial losses from cybercrime are limited to €3,000 per event and €10,000 per policy year.

Does Basis reimburse money after fraud?

No. Basis includes legal cover and services. Financial compensation is only available from Komfort.

Do I need another ARAG policy for this?

According to the provider, SaferYou is a standalone policy. Details are in the current offer.

Selected partner offer

View cover and apply with the provider

Sources and status

ARAG Allgemeine Bedingungen für die Rechtsschutzversicherung (ARB 2026): Leistungsübersicht web@ktiv, Sonderbedingungen 12, 12 a, 12 b, 19 und 19 a
ARAG Musterantrag web@ktiv Premium, Stand 03.2026 (nur Struktur, keine Preise übernommen)

Checked on 6 Oct 2026 against the provider documents. Only the terms and your policy schedule are binding.