CembraPay BuyerProtect is an optional delivery and purchase protection insurance for goods and services paid for with CembraPay.

It protects you for 30 days from the purchase date against:

• theft, burglary, robbery, damage, or destruction of the item

• non-delivery or incorrect delivery

• incomplete or damaged delivery

• failure to refund the purchase price after a valid return

• services that are not provided

CembraPay BuyerProtect is intended for customers who want to protect their purchases made with CembraPay in a comprehensive and reliable way against unexpected events.

You are covered worldwide.

The minimum purchase amount is CHF 50.–.

No. CembraPay BuyerProtect is optional and can be purchased voluntarily.

New items paid for with CembraPay are covered for 30 days from the purchase date against theft, burglary, robbery, destruction, and damage.

In addition, for online purchase protection, further conditions apply depending on the type of claim, in accordance with the general insurance conditions.

The maximum insurance benefit is CHF 5,000 per order confirmation.

In the event of a claim, the insurance covers the costs of repairing or replacing the insured item. Alternatively, compensation is paid up to the original purchase price based on the proof of purchase.

Events that have already occurred or were foreseeable at the time the insurance was taken out are not covered.

Also not covered are events resulting from intentional or grossly negligent behavior, or a pandemic, as well as damage caused by normal wear and tear.

Items with a value below CHF 50, cash, and digital assets are also excluded. Consumable goods as well as goods with an expiration date are also excluded.

The insurance premium is CHF 2.95, even if the order includes multiple partial deliveries.

The premium is charged directly at checkout when you pay with CembraPay.

CembraPay BuyerProtect can be purchased by customers who use CembraPay as the payment method at checkout.

The insurance can only be purchased directly at checkout when selecting CembraPay as the payment method. It cannot be purchased at a later time.

Insurance coverage starts on the purchase date.

Insurance coverage ends in accordance with the summary table of benefits in the general insurance conditions.

Insurance coverage ends automatically. There is no need to cancel the insurance.

Report the claim via the ERV claims portal. Keep the required documents ready, such as the order confirmation, the invoice, and proof of the claim.

Report the claim immediately to the ERV claims service. In the event of a claim, you are required to minimize the damage as much as possible. You must also support the claims assessment and settlement process with complete and accurate information.

Typically required:

• order confirmation

• invoice with insurance confirmation

• shipping or delivery confirmation

Depending on the claim, additional documents may be required, for example:

• photos

• police report

• written communication with the retailer

• repair estimate

The claim is reviewed by the insurance partner in accordance with the general insurance conditions.

The risk carrier is Helvetia Swiss Insurance Company Ltd. Claims are handled by Europäische Reiseversicherung ERV, a branch of Helvetia.

The general insurance conditions and further documents related to CembraPay BuyerProtect are available here .

• Additional product information

• General insurance conditions

• Claim form