Domain Insurance

Currently, you can only insure .cz domains with us.

Only domains registered to persons/companies based in the Czech Republic can be insured.

It is ideal to contact us (the domain registrar) via online chat first. Colleagues will verify the technical status of the domain. Next, they look directly into WHOIS and check the current data. We can also provide and prepare the necessary evidence (logs).

If you suspect that a crime has been committed (your domain has been stolen), you should contact the Police of the Czech Republic.

You should also contact the helpline (the current number can be found at www.pojisteni.cz/domeny) and try to be as cooperative as possible.

The exact definition can always be found in the contract. The insurance company defines domain theft as the technical theft of a domain, which is the unauthorized removal of access to a domain from its rightful holder.

The insurance company shall pay the insurance benefit if the domain is not returned to the insured by the registrar within 30 days of the notification of the insured event. In the case of a domain return from outside the EU, the deadline is extended to 180 days.

In the terms and conditions – in Article 10 Exclusions from insurance, point 3. (d) there is the following text:

3. Pojištění se také nevztahuje na škody vzniklé:
…
d) v případě, že pojištěný nevykonává odpovídající opatření (např. ověření údajů e-mailem a SMS, uzamčení domény, ověření přes MojeID, blokace změny registrátora) nebo je vykonává nedostatečným způsobem, nebo neposkytne náležitou součinnost kompetentnímu státnímu orgánu v přímé nebo nepřímé souvislosti s pojistnou událostí,
…

The following is a translation to English:

3. The insurance also does not cover damage caused by:
…
d) the event that the insured does not take appropriate measures (e.g. verification of data by e-mail and SMS, locking of the domain, verification via MojeID, blocking of registrar changes) or takes them in an insufficient manner, or does not provide appropriate cooperation to the competent state authority in a direct or indirect connection with an insurance event,
…

Insurance companies must give some examples of how the domain should be secured. This is a list of security features that the insurer will ask about if a claim occurs.

If we were to make a parallel to cars, the contract would say ” The client must have adequate anti-theft security on the vehicle (e.g. mechanical, alarm, passive search, active search, sandblasting of windows.)” If they didn’t have any security, the insurance company might propose to reduce the claim because they simply didn’t exercise safety adequately.

You should definitely keep your domain well secured. Ensure that the phone number and email is up to date. Domains can also be locked against changes, which is another obstacle for an attacker.

IT assistance and legal services are requested via telephone. The current phone number can be found at www.pojisteni.cz/domeny.

If you need any advice or help with the product, please use POJISTENI.cz support. All contracts go through them, they are also in charge of orders, invoicing, etc. They will also answer any other questions you may have about the product.

Slavia pojišt’ovna is obliged by law to pay the insurance compensation if the contractual conditions are met. It is a large and well-known insurance company with billions of turnover and under the supervision of the CNB (Czech National Bank).

If an insurance claim occurs, the value of the domain will be assessed. This may or may not include domain content. It’s the same as if your bike is stolen and you have insurance for 100,000 CZK, but you have ridden it before or it was old. That’s just how traditional insurance works.

You can’t speculate that if you have insurance for a million, you lose your domain, so you automatically get a million CZK. Theoretically, you can get it if you provide evidence that the domain is worth that much. There are already clear rules for this (e-shop turnover for a certain period, etc.). It’s only fair. A newly registered domain with no meaning, composed of twenty random letters, with no content will simply not be worth a million CZK.