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CHERRISK is a web-based platform that allows you to administer your CHERRISK insurance products online. The procedure is simple and quick, and it also works on smartphones. CHERRISK offers UNIQA Biztosító Zrt's and UNIQA Versicherung AG’s  insurance products, which are conveniently accessible thanks to our unique technological solutions.

Via chat, e-mail and telephone. You can find our contact details on this page: Contact

If you have any questions, feel free to ask our colleagues via chat by pressing the speech bubble icon you'll find on the top right of our page. If you're already insured at CHERRISK, we can even help you with your insurance related issues after a short autenthication. You will find our opening hours on this page: Contact

Emma is your personal insurance assistant, who, besides loving numbers, assists you in dealing with matters relating to CHERRISK products. For example, she’ll help you take out insurance and manage your claims 24/7, any day of the year.

Because this name expresses several things that are important to us. Firstly, we are a risk sharing community, hence we use the word "Share Risk" in our name. Secondly, it is also important to us to help each other and support charitable causes. That's why we encompassed the word “charity” in the name. This is how the name CHERRISK was born.

Buying a CHERRISK insurance is only possible through so-called telesales, which can be done online - on the www.cherrisk.com platform or through one of our insurance broker partners. On www.cherrisk.com, the concluding the first contract takes a bit longer than the later ones because more administration is required. To conclude an insurance contract, enter your details, calculate your premium, then the insurer can accept your submitted insurance offer, followed by the finalisation of the contract. Then pay the premium, which, once received by the insurer, will create the insurance contract. Once all this is done, the insurer will issue a confirmation of cover document, which will be sent to the email address you have provided, but you can also access it by logging into your account at www.cherrisk.com.

When you begin or conclude an insurance contract on the online platform at www.cherrisk.com, the insurance relationship is concluded between you (as the client) and the Insurer UNIQA has stable foundations and sufficient capital, and also meets the stringent requirements imposed by the supervisory authority.

When you start the insurance contracting process on the online platform at www.cherrisk.com or conclude a contract, your relevant data will be processed by the Insurance company and the Insurance intermediary, as joint data controllers, pursuant to the Hungarian Privacy Act and the GDPR.

You can file an objection or a complaint verbally (personally or by phone) or in writing (by a notice handed over by you or an other person, or by post, fax, or email). For further information please check our complaint policy.

The CHERRISK platform currently offers five insurance products (Accident Insurance Germany, Household Insurance Germany, Foreign Travel Insurance, Accident Insurance for Domestic Travel and Travel Cancellation Insurance Germany) that provide outstanding value-for-money.

A natural person at least 18 years of age, with a legal capacity to act.

Log in to the CHERRISK platform to find the documents related to your insurance contract. They will also be emailed to you after the contract is concluded.

The main coverages are described on the www.cherrisk.com site under the Insurances menu, and you can also review them upon premium calculation by clicking the “Main coverages” button. Further, the coverages provided by each product are described on the legal provisions sub-site, in the “Insurance Contract Terms and Conditions”. If you already have CHERRISK insurance and log in to the platform, you will also find them within your existing insurance under the “Main coverages” or “Documents” menu item, in the product conditions and in the product information.

Foreign Travel Insurance has several advantages. Some are related to medical problems, like an accident or sudden illness that arise during your trip. Foreign travel insurance covers medical costs and other related costs incurred during the trip. (This may include the costs of transportation to a doctor with an ambulance or helicopter. And if a major problem prevents you from returning home when scheduled, the additional costs caused by the delay may also be covered.) Another important argument in favour of foreign travel insurance is the included luggage insurance. As luggage is often damaged or lost, having it insured has a great importance to many. It is also useful to have a foreign travel insurance that covers liability, in which case the insurer will indemnify the injured party if you were to cause the damage.

Unfortunately the majority of newly purchased travel insurance policies, including CHERRISK Travel Insurance, do not currently offer insurance services in war affected regions like Ukraine.

If you already have a valid CHERRISK Travel Insurance, here is what you need to know:
• CHERRISK Travel Insurance will cover the cost of interrupting your trip if the war started during your stay and if you inform us about the interruption within 3 days after the German Federal Foreign Office had warned against travelling to the destination.
• Moreover, your CHERRISK Travel Insurance will continue to provide help in case of insured events in accordance with the terms & conditions. However, this is only true if you've travelled to the destination country before the outbreak of war.

However, the insurance will not cover war-related damage in Ukraine or any other country. If you need assistance of this kind, please contact the diplomatic missions in Ukraine.

Territories located in geographical Europe of the following countries: Member States of the European Union, as well as Albania, Andorra, Bosnia and Herzegovina, Belarus, Faeroe Islands, Gibraltar, Iceland, Kosovo, Liechtenstein, the United Kingdom, North Macedonia, Moldova, Monaco, Montenegro, Norway, Russian Federation, San Marino, Switzerland, Serbia, Ukraine, Vatican; moreover, the entire territory of Turkey and of the following islands: Cyprus, Canary Islands, Azores Islands, Madeira.

The coverage starts on the day you indicated as starting date of the trip (but not earlier than upon premium payment) and lasts till the 24th hour of the day you indicated as ending date of the trip (but up to your stay abroad).

You can only do that if you have already had CHERRISK Foreign Travel Insurance at the time of your trip abroad. In this case, you can take out a new Foreign Travel Insurance that starts immediately after the expiration of the original insurance. (Be careful - you cannot take out new insurance after the expiry of your existing insurance while you are abroad.) Excluding the case when an extension of staying abroad is caused by an insured event.

Yes, both skiing and snowboarding are amongst the insured sports, without any extra charge. But keep in mind that the coverage is only valid if you engage in skiing or snowboarding on a designated track.

Flight delay cover means that if your flight is delayed by more than 4 hours, the cost of consumer goods you may incur at the airport due to the waiting (such as meals and drinks verified by receipts) will be reimbursed up to EUR 150 by the insurance. Please note that CHERRISK Foreign Travel Insurance does not cover cancellations. To see if you're entitled for a flight cancellation compensation, please contact your airline or other service provider.

Before your trip, we recommend that you check the website of the Auswärtiges Amt, where you can find general travel and country-specific information: https://www.auswaertiges-amt.de/de/

CHERRISK Travel Cancellation Insurance offers a worldwide coverage.

CHERRISK Travel Cancellation Insurance provides coverage if you have to cancel your trip before departure, due to an insured event specified in the Insurance Contract Terms and Conditions.

You can expect a fixed one-off amount up to EUR 3,500 per insured person. To receive reimbursement, you have to prove your travel expenses with receipts.

No, because CHERRISK Travel Cancellation Insurance provides coverage if you are forced to cancel your trip before departure.

Yes, you can take out an independent insurance on CHERRISK.

We believe in simplicity. That's why we designed CHERRISK Household Insurance to include all the coverages you need to protect your household values. This is why you can't add or remove coverages from your insurance.

Any object in the household can have a high value, including a TV, a refrigerator, or a bike. They are also covered by the insurance, up to the sums insured for movables (which is specified in your homeowners insurance contract). High value movables (e.g. precious metals, artworks, paintings, antique furniture) are also covered by CHERRISK Household Insurance up to 50% of the sum insured. CHERRISK Household Insurance does not cover the so-called collateral damage such as the total loss of a collection's value that results from a piece of a collection being damaged.

Within the coverage for movables, the insurer shall also provide benefits in case of theft or robbery of movables carried along outside the insured location. The indemnification limits are the following: 2000 EUR for theft from closed vehicle or roof box, 1000 EUR for theft under any other circumstances and 2000 EUR for robbery.

If you want to terminate your insurance, log in to www.cherrisk.com, and simply cancel your insurance contract for the next insurance period. In this case, the next premium will not be deducted from your bank account, and your insurance will expire at midnight on the last day of your effective contract.

Yes. The sums insured can be modified once a month. You can make changes at any time and your next premium will change accordingly.

There are different sums insured and benefits for the events covered by the CHERRISK Accident Insurance Germany, such as accidents, hospitalization or loss of identity documents. We have summarized these sums insured and benefits for you in insurance contract terms and conditions, see Annex I.

No, CHERRISK Accident Insurance Germany applies to Insured Events occurring in the territory of Germany only, with the exception of accidental death, which is covered in every country in the world.

CHERRISK Accident Insurance covers sports subscriptions that have been taken out for at least one year and do not provide for suspension of membership in the event of injury. This also applies to membership in fitness centers, which the employer subsidizes.

If you have CHERRISK Accident Insurance and suffer an accident that prevents you from working out, you first have to report the accident on www.cherrisk.com. After choosing the option "Accident", tell us what happened and upload your sports pass invoice to the optional documents. Once this has been done and your claim has been accepted, the insurance (up to the sum insured for sports pass coverage - valid on the day of the accident) will cover two months fees (up to EUR 75) for your sports pass.

Our Carsharing Deductible coverage helps you pay your deductible in the event of damage incurred to the car that was used in the increasingly popular community carsharing.

If you want to terminate your insurance, log in to www.cherrisk.com, and simply cancel your insurance contract for the next insurance period. In this case, the next premium will not be deducted from your bank account, and your insurance will expire at midnight on the last day of your effective contract.

Yes, the CHERRISK Accident Insurance for Domestic Travel covers insured events occurring in the territory of Germany only.

No, because the insurance covers accidents that are suffered by the insured person. Also, being bitten by a dog kept by the insured person does not constitute an insured event.

If you had CHERRISK Accident Insurance for Domestic Travel in effect when you lost a personal document (ID card, driving license, passport, student's card), then the replacement cost will be reimbursed up to EUR 100. Always report the loss to the police in order to avoid abuse, and send that report to us, along with documents verifying the replacement cost.

If you had CHERRISK Accident Insurance for Domestic Travel in effect at the time of the accident and you need continuous hospital treatment for more than three days, then we will pay daily hospital allowance (EUR 20 per day) for up to 180 days. As further assistance in this difficult situation, the insurance will also reimburse the justified travel and accommodation costs incurred with the visit by your relative (up to EUR 200).

No, the insurance does not reimburse the cost of dental treatment in the case of chipped or cracked teeth or damages to teeth and dental fittings.

A claim can be reported through the online platform at www.cherrisk.com, or by calling our customer service. If you have CHERRISK Travel Insurance, you may contact our assistance service provider, Europ Assistance (+49 89 55 987 8640), in an urgent case during the travel. Once you are back home, you can report a claim on the online platform at www.cherrisk.com, or by calling our customer service.

Your claim must be reported immediately, but no later than two working days after becoming aware of it. If you have CHERRISK Travel Insurance, in an urgent case during the trip, you must report your claim to our assistance service provider, Europ Assistance (+49 89 55 987 8640), immediately, but no later than 24 hours.

If, according to the contractual conditions, you are entitled to reimbursement, it will be paid within 15 calendar days after we receive the last required document. However, based on our experience over the past year and a half, the insurer may reimburse you in just five days.

You can pay the premium with a bank card, virtual PayPal wallet or SEPA mandate. If you have Household Insurance or Accident Insurance and you want to make things easier, you can save your bank card's details on www.cherrisk.com (payment with saved card) and you can also set up monthly recurring payments.

Because we don't believe in annual contracts but in freedom from commitments.

A CHERRISK Household Insurance or CHERRISK Accident Insurance contract is valid for one month, but as the next premiums are paid month after month, you can enjoy coverage without interruption.

The policy date is in line with the effective date of your first CHERRISK Household Insurance or CHERRISK Accident Insurance. This is the day from which you will be insured for one month, and the date from which you recontract for every month if you pay the next premium.

If you forget to pay the premium for the next period, you will have no insurance contract for the next insurance period. However, based on the data stored, you can re-conclude your contract at any time so you can have an insurance policy again from the time the premium is paid.

You can edit your saved bank card details after signing in to your "Dashboard" on the online platform at www.cherrisk.com. Look for the "Settings" section's "Payment settings" subsection.

We believe in the power of communities, so we collectively seek and support objectives that make the world better and safer. Our clients can vote for the proposed objectives that meet our Community Policy. The objective that gets the most votes becomes eligible to be supported by CHERRISK GO application users with the cherries they obtain through the app. These cherries can be converted to charity coupons.

The decision to select the proposed objectives to become eligible is based on the votes we receive for the proposals. These proposed objectives are called community objectives, and can be supported. We explicitly await proposals which can contribute to a smaller community living a safer life. Some examples of possible objectives: renovation of an old, obsolete playground; collection and disposal of illegaly dumped waste; replacement of worn school equipment with modern assets.

CHERRISK GO application and cherries pave the way to the realisation of community objectives. If you use your cherries to support a community objective (by converting cherries to charity goodies/coupons), the designated organization will receive the gathered financial support after the support period.

Our users can vote to select the proposed objectives to become eligible objectives in the next support period. Voting is not limited to those who have registered on the online platform at www.cherrisk.com, however, unregistered voters must enter their email address and confirm their votes.

The collected sum is always paid to the designated organisation within 10 working days from the end of the support period. For reasons of transparency, all realised projects will be reported in our blog and in social media.

We believe that we can always live a bit better and safer. And we also believe that high-tech solutions can help in that regard. That is why we created CHERRISK in 2018 as a fast, simple and modern insurance technology platform. We playfully help members of the CHERRISK community to live safer. We thought it was time to motivate more than just CHERRISK members day by day. For that purpose, we have created CHERRISK GO, an application that rewards those with cherries who live safer and more active, by engaging in the activities indicated in the app. The system has been designed to go beyond itself: in the application, our users can exchange cherries for objects, services and discounts provided by our partners, and for support of charitable objectives. That way we can reach a wider audience and help even more people. We perceive a growing openness to that, but many people need a bit of additional motivation. We think that we can also provide that with CHERRISK GO, because even things that seem difficult are easier if you do them playfully.

With the required approvals, CHERRISK GO automatically identifies your activities (driving without using your mobile phone, bicycle riding, and walking/running.) These activities are identified with your phone's GPS and motion sensors. CHERRISK GO monitors the duration of your activity, and rewards you with virtual cherries. The more time you spend moving, the more cherries you get. When you drive, it's not only the activity that is identified, but the app also checks if you use your mobile phone. Why? Because cherries are given for phone-free driving only. (Running a navigation system does not constitute phone usage, unlike setting up the software and tapping its interface.) You get one more cherry in your account for every five minutes of phone-free driving, cycling and walking/running. Then you can exchange your cherries for goodies, i.e. charity, objects, services and discounts.

CHERRISK GO includes all time periods exceeding one minute (and spent with phone-free driving, cycling or walking/running) in the five-minute cherry collection periods. So you don't need to walk for five minutes without interruption; the minutes spent walking are added up. A progress indicator on the main page, around the activity icon, shows the minutes still needed to gain a cherry. The time spent performing each activity is calculated separately. The activities cannot be aggregated.

CHERRISK GO uses information received from the phone sensors (gyroscope, accelerometer) and GPS data to identify your activities. The information is then sent into a database for analysis by various algorithms. First, it is identified whether you are standing or moving. If you move less fast than 10 km per hour, then your activity is identified as walking/running. If you move faster than that, it is presumed that you are in a car or on a bicycle. GPS data are used to find out which of these two travel methods you engage in, and the algorithm continues to analyse the movement data from your phone. That's why it's important to keep your phone close to your body while cycling. This results in better movement tracking and more accurate activity recognition. When you drive, we assume that your phone remains in one place, unused (as you don't tap it). This helps you recognise the activity.

We keep working to improve the reliability of activity recognition by our algorithms. The accuracy will increase as more and more people use the application. You can be sure that your activity will not remain unrewarded.

In case we get erroneous GPS data that can't be interpreted (for example due to wrong position information), these must be removed from the system. This may unfortunately lead to lost cherries. If you use our app on an iPhone, please make sure that location tracking for CHERRISK GO is set to “always” in the phone's settings. Maybe you chose the “only when running” option when the app was installed; in this case, your activity is only measured when the application is actually running. If you use Android, it's advisable to turn off the battery saving mode under CHERRISK GO settings. the Android system automatically turns that mode on, but we find that turning it off does not drain the battery faster. The battery saving mode greatly reduces the accuracy of measurement. Also under the app settings, turn on automatic recognition and running in the foreground. The app needs an internet connection to forward the data and award you with cherries, and it also needs access to location data. On a Huawei phone, the following additional settings are recommended: If your Android versions 7 to 9: •Settings > Applications (cogwheel icon at the bottom) > Special access > Don't optimise. Select all applications at the top, then select CHERRISK GO, and choose “Allow”. If your Android version is 8 to10: •Settings > Battery > Application launch > Manual settings. If autolaunch is enabled, turn it off and give all permissions (autolaunch, secondary launch, run in the background) If you have a Samsung phone, check the following settings: Android version 8 or 9: •Settings > Device maintenance > Battery > Settings (three dots in the top right corner) > Sleeping applications > remove CHERRISK GO (if it’s listed) by dragging it to the trash bin icon top right. If you have Android version 10: •Settings > Device maintenance >Battery > Application performance > Sleeping applications > remove CHERRISK GO (if it's listed) by dragging it to the trash bin icon top right.

Please do not hesitate to contact our Customer Service. Send your questions to go@cherrisk.com between 7 a.m. and 10 p.m. every day, and we’ll get back to you within 24 hours.

Goodies may be the most important parts of CHERRISK GO: you can exchange your virtual cherries for these. Goodies can be objects, services and discounts provided by us or our partners. Charity goodies are also available if you would rather use your cherries for charitable purposes.

Your activities are recognised automatically, in the background. Nevertheless, continuous GPS usage adds to the battery drain. CHERRISK GO is programmed to consume the least energy possible, and it also uses the built-in functions of your phone's operating system. Much of our development efforts is aimed at further decreasing the app's drain on the battery of your phone.

CHERRISK GO uses GPS connection for location tracking in the background, so that we can identify your activities. In our experience, CHERRISK GO increases your phone's power consumption by 8% on average. We keep working to lower the energy usage, so please always keep your CHERRISK GO application up to date.

Sometimes your phone indicates GPS connection, where actually there is no such connection. Restarting your phone usually resolves this problem.

Yes if you have an Android phone; no if you use iOS. This will change in the future, but right now the two operating systems differ in that regard.

Install the app on the new phone, and choose the “I’m already registered” option. Then enter your previous data, and you are ready to continue collecting cherries. Your previously collected cherries will naturally be carried over. If your phone number has changed as well, enter and validate it under “My profile” in the menu.

The list of our partners is expanded continuously, but sadly we can't provide exact dates for new goodies. As soon as there are new goodies available, we will let you know via the app and social media.

You get a cherry-code if somebody has invited you to use the application. If no friend has invited you yet, leave this field blank and continue with registration. If you have already registered, it's worthwhile to share your cherry code because both the inviting and the invited person get 25 cherries as a reward for using the code.