November 5, 2025
“The cyber insurance insurer won't pay anyway” - Or does it?
In the world of Cyber insurance There is often a fear that insurers will not pay in the event of a claim. However, a recent case shows that this is not the case. The court decision of Regional Court of Tübingen dated 26.05.2023 (4 O 193/21) clarifies the importance of a thorough risk assessment and how our simple application process and individual insurance premium can make a big difference.
In this case, the insurer refused payment due to an alleged pre-contractual breach of notification duty and an increase in risk due to the use of outdated software. According to the court, however, the insurer should have identified these risks as soon as the contract was concluded. This underlines how important it is that insurers within the framework of risk assessment collect all relevant information.
Our process includes detailed risk questions and a comprehensive risk scan. These elements may sometimes seem annoying to your customers, but they protect them from surprises in Claim case. Our risk scan detects legacy systems and ensures that we don't miss any important information. In this way, we prevent situations in which the insurer does not pay because information was allegedly unknown.
Our application process is not only thorough, but also designed to tailor cyber insurance. Based on the results of the risk scan and the risk questionnaire, we calculate a tailor-made insurance premium. This premium takes into account up to 500 individual factors, most of which come from the domain scan.
The better the Cyber security measures Your customer, the lower the insurance premium. This motivates our customers to constantly improve their security measures, which in turn reduces the risk of a cyber attack and lowers the premium. Our goal is to offer our customers cyber insurance that is not only affordable but also optimally tailored to their specific needs.
Through our transparent and customer-friendly process, we ensure that your customers are covered in the event of a claim and that the insurance premium is calculated fairly and fairly. Rely on our expertise to find the best cyber insurance for your customers.
