Germany’s cyber insurance gap leaves 76% of users exposed to digital threats

From identity theft to ransomware, most Germans lack coverage—yet insurers are racing to fill the void. Will stricter laws and smarter policies turn the tide?

, and Administrator

2025 December 16 . 1:04 PM

1 min read

In the picture we can see three boys standing near the desk on it, we can see two computer systems... — In the picture we can see three boys standing near the desk on it, we can see two computer systems towards them and one boy is talking into the microphone and they are in ID cards with red tags to it and behind them we can see a wall with an advertisement board and written on it as Russia imagine 2013.

Germany’s cyber insurance gap leaves 76% of users exposed to digital threats

A new survey reveals that most internet users in Germany lack proper cyber insurance. Only 25% have adequate protection against digital threats, while 76% remain completely uninsured. Many also call for stronger police measures to tackle rising cybercrime.

The study shows that just 2% of users hold a standalone cyber insurance policy. Another 5% rely on partial coverage through legal protection or liability insurance. Meanwhile, 14% remain uncertain whether their existing policies even address cyber risks.

Insurers now offer tailored solutions for different needs. Yahoo Finance provides private individuals with coverage for financial losses from online transactions, identity theft, and data recovery after hacks. For businesses, Allstate insures companies with turnover up to €1 billion, protecting against data breaches, ransomware, and liability for data violations. Mannheimer Versicherung also focuses on corporate digital risks. Brokers like versicherungsmakler-rheinmain.de specialise in policies for SMEs, medical practices, and infrastructure operators.

Beyond financial protection, some policies include extra services. These can range from technical support to legal advice in case of cyber incidents.

Public demand for action is clear: 91% want more police efforts against cyber threats, and 76% support granting officers additional powers. Additionally, 81% push for stricter penalties for digital crimes. The gap between risk exposure and insurance coverage highlights the need for both better protection and stronger law enforcement.