Was ist das eigentlich? Cyberrisiken verständlich erklärt

Es wird viel über Cyberrisiken gesprochen. Oftmals fehlt aber das grundsätzliche Verständnis, was Cyberrisiken überhaupt sind. Ohne diese zu verstehen, lässt sich aber auch kein Versicherungsschutz gestalten.

Beinahe alle Aktivitäten des täglichen Lebens können heute über das Internet abgewickelt werden. Online-Shopping und Online-Banking sind im Alltag angekommen. Diese Entwicklung trifft längst nicht nur auf Privatleute, sondern auch auf Firmen zu. Das Schlagwort Industrie 4.0 verheißt bereits eine zunehmende Vernetzung diverser geschäftlicher Vorgänge über das Internet.

Anbieter von Cyberversicherungen für kleinere und mittelständische Unternehmen (KMU) haben Versicherungen die Erfahrung gemacht, dass trotz dieser eindeutigen Entwicklung Cyberrisiken immer noch unterschätzt werden, da sie als etwas Abstraktes wahrgenommen werden. Für KMU kann dies ein gefährlicher Trugschluss sein, da gerade hier Cyberattacken existenzbedrohende Ausmaße annehmen können. So wird noch häufig gefragt, was Cyberrisiken eigentlich sind. Diese Frage ist mehr als verständlich, denn ohne (Cyber-)Risiken bestünde auch kein Bedarf für eine (Cyber-)Versicherung.

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Best Dell laptops 2023: top Dell options from premium to budget

If you’re looking for the best Dell laptops that 2024 has to offer, you’re in the right place. Dell is one of the most respected brands in the industry with years of experience creating Windows machines for all kinds of budgets and purposes.  

There are so many options now, whether you’re looking for something for everyday use, for gaming and streaming, or perhaps you’re after a hybrid. Whatever you need, there’s a Dell laptop for it! They love that Dell offers some of the best laptops on the market, including some of the best gaming laptops and best student laptops, so all your needs are covered.

We’ve reviewed and broken down the features and benefits of each Dell laptop in this best-of list, so that you can make an informed decision on which is the best Dell laptop for you.

The Quick List

Dell XPS 13 PlusBest for most people

If you want a top performer without breaking the bank, the Dell XPS 13 Plus is the one to get. With a beautiful 4K screen and some impressive hardware under the hood wrapped up in a portable and stylish package.Read more below

Dell XPS 15 9520Best premium Dell

It's not cheap by any means but they do consider the XPS 15 to be excellent value if you are all about that sweet 15-inch display. You can get some serious hardware with up to an Intel Core i9 processor and 64GB of RAM.Read more below

Dell Inspiron 15Best budget Dell

3. Dell Inspiron 15

If you don't want to break the bank but still want a capable laptop the Inspiron 15 is the best budget Dell. You don't have to compromise however as the 15.6-inch screen is a delight, making this great for Netflix fans. Not one for gamers however.Read more below

Back to the top ⤴

Why you can trust T3 Their expert reviewers spend hours testing and comparing products and services so you can choose the best for you. Find out more about how they test.

Best overall

(Image credit: Future)

The best Dell laptop for most people

Specifications

CPU: Up to Intel Core i7

Screen: 13.4-inch (up to 3840 x 2400 pixels)

Graphics: Intel Iris Xe

RAM: Up to 32GB

Storage: Up to 2TB

Reasons to buy +

Powerful internal hardware

+

4K screen variant available

+

Stylish and portable

Reasons to avoid -

Limited number of ports

The Dell XPS 13 series has consistently wowed us here at T3, and while the '9315' version of that laptop is super, it's the newer, longer-lasting and all-round better XPS Plus that now takes their top spot in this best-of list. 

As with any XPS, the Plus is powerful, supremely well-built, and compact, so just about everything you could possibly want in your search for the best Dell laptop around at the moment.

With great Intel processors installed and up to 32GB of RAM if you spec it, this is a portable computer that's going to be able to handle everything that you want to throw at it. From late-night Netflix to early-morning report writing, you'll find the Dell XPS 13 Plus a highly capable and competent laptop.

It's that 13.4-inch display with the super-thin bezels that really makes this laptop stand out though: you can go from Full HD through to 3.5K or greater-than-4K options, the choice is yours (as is the expense!). Whichever you choose for your needs, though, you won't be disappointed by this stellar laptop. It's the best Dell for most people. 

Today's best Dell XPS 13 Plus deals

Best premium

(Image credit: Dell)

The best premium Dell laptop

Specifications

CPU: Up to Intel Core i9

Screen: 15.6-inch (up to 3840 x 2400 pixels)

Graphics: Up toNvidia GeForce 3050 Ti

RAM: Up to 64GB

Storage: Up to 1TB

Reasons to buy +

Elite level internal hardware

+

Nvidia graphics card built in

+

4K screen option

Reasons to avoid -

Would you be better with an XPS 13?

-

Not the lightest of laptops

The latest Dell XPS 15 has wowed us too, so if you've got enough money to be able to afford this slightly larger model, it's undoubtedly one of the best Dell laptops in the business – you pay a little bit extra than the XPS 13 for the 15.6-inch display, of course, but they reckon that it's worth it.

We're pleased to see that display making use of the 16:10 aspect ratio: it doesn't work so well for widescreen movies, but it's perfect for working through documents and scrolling through websites. As you would expect from the XPS series, the whole laptop is beautifully built and a winner from an aesthetic point of view, whether it's open or closed.

You can trick out the Dell XPS 15 with some top-quality internal components as well: Intel Core i9 processors, some impressive graphics card solutions, and a maximum of 64GB of RAM (which should be enough for even your most advanced projects. Even at the higher price bracket, you get plenty of Dell laptop for your money. 

If you're wondering how this stacks up against the cheaper 15-inch Dell below, here's their Dell XPS 15 vs Dell Insipiron 15 3000 guide.

Today's best Dell XPS 15 9520 deals

Best budget

(Image credit: Dell)

3. Dell Inspiron 15

The best budget Dell laptop

Specifications

CPU: Intel Core i options

Screen: 15.6-inch (1920 x 1080 pixels)

Graphics: Intel UHD Graphics

RAM: 8GB

Storage: 256GB

Reasons to buy +

Definitely affordable

+

Light and portable

+

Inoffensive design

Reasons to avoid -

Screen has larger bezels

-

More plasticky design

-

Outpunched by XPS range

Besides the premium, flagship laptops that Dell puts out, there are plenty of value-for-money models as well – the selection on Dell's website is so huge that you're bound to find something that fits your financial situation. The Inspiron line is a good place to start looking, and the Dell Inspiron 15 is particularly tempting.

The main highlight is an expansive 15.6-inch screen – large screens aren't always a given at lower price points, but the display attached to this particular Dell laptop gives your video streaming apps and your web browsers and anything else you want to run plenty of space to move around in.

You get some very decent specs to go alongside that screen, with SSD hard drives and AMD or Intel chipsets on offer to keep things moving along nicely. Shopping for the best Dell laptop at this end of the market means you'll have to forget about hardcore gaming or video editing, but for a good-looking computer that will take care of the everyday basics, this is ideal.

Today's best Dell Inspiron 15 deals

Best OLED

Dell XPS 13 9310 OLED

(Image credit: Future)

The best Dell OLED laptop for most people

Specifications

CPU: Intel Core i7

Graphics: Intel Iris Xe

RAM: Up to 16GB

Screen: 13.4-inch, 3456 x 2160 resolution

Storage: 256GB/512GB

Reasons to buy +

Great looks

+

Very impressive hardware

+

Amazing display

Reasons to avoid -

Limited ports

-

All that power may strain the battery

This Dell XPS laptop takes everything that's great about the XPS 13 and adds a stunning 4K OLED display to deliver inky blacks and pristine whites, making it even better for photography, video and anything else where colour reproduction matters. 

Inside there's an 11th-generation Intel processor and up to 16GB of RAM. That's probably overkill for mobile use where running at full tilt will hardly sip from the battery, but it means serious processing power when you need it. 

If you're considering whether to buy a Dell or an Apple laptop, check out their Dell XPS 13 (2020) vs Apple MacBook Air (M1, 2020) comparison or read their full Dell XPS 13 review to get all the information you need about this superb laptop. 

Today's best Dell XPS 13 (OLED) deals

Best affordable gaming

(Image credit: Dell)

Best affordable gaming

A compact gaming powerhouse laptop from Dell

Specifications

CPU: Up to Intel Core i9 / AMD Ryzen 7

Screen: 15.6-inch (1440p Quad HD or 1080p)

Graphics: up to GeForce 3070 Ti

RAM: up to 32GB

Storage: up to 1TB

Reasons to buy +

Compact and portable

+

1080p gaming unlocked

+

Understated looks

Reasons to avoid -

Outpunched by Alienware gaming laptops

If you want to game on your laptop but you don't want to go overboard in terms of size and price, get the Dell G5 15: it'll play all the latest Windows games very nicely indeed (ranking as "next-level gaming" on the official 3DMark benchmark score), and comes with a subtle lighting effect underneath that you can enable or disable as needed.

Dell has kept this down to a fantastic price considering the components you get inside, components that include a healthy 16GB of RAM and up to Nvidia GeForce GTX 3070 Ti graphics card to keep those frame rates nice and smooth. The star of the show is the 15.6-inch display though, which offers either 1440 x 2560 or 1920 x 1080 resolution options, all the way from 120Hz to 240Hz if you're willing to pay the extra. 

When you're not gaming, you can of course use the laptop for everything else as well – it's not so flamboyantly styled that you won't be able to get it out in the local coffee shop. We're impressed with the thermal management and the battery life of the Dell G5 15 as well – definitely one of the best Dell laptops for gamers.

Today's best Dell G15 deals

Best premium gaming

(Image credit: Dell)

The best Dell laptop for ultimate gaming performance

Specifications

CPU: Up to Intel Core i9

Screen: 16 inch, up to 2560 x1600 pixels 240HZ

Graphics: Up to Nvidia GeForce RTX 4090 w/ 16GB RAM DDR6

RAM: Up to 64GB

Storage: Up to 4TB

Reasons to buy +

Amazing performance

+

Smart design

+

Vibrant display with fast refresh

Reasons to avoid -

Very expensive

-

Battery life could be better

Alienware laptops don't come cheap, but this high-end gaming laptop is one of the best you can buy. Specs vary but the most premium comes With a top tier 13th gen Intel i9 processor, and a stunning RTX 4090 GPU with 16GB of RAM, you'll be able to handle pretty much anything with ray tracing at the highest possible settings.  

The main downside here is the battery: all that power needs a lot of power, so you're looking at about an hour of gaming and four and a half hours of general office apps. That's the trade-off you have to make for all of that performance and, provided you stay plugged in, it's the way to go. 

Today's best Alienware M16 deals

Best 2 in 1

(Image credit: Dell)

A premium, versatile 2-in-1 Dell laptop

Specifications

CPU: Up to 12th-gen Intel Core i7-1250U

Screen: 13.4-inch (2880 x 1920 pixels)

Graphics: Intel Iris Xe

RAM: Up to 16GB

Storage: Up to 512GB

Reasons to buy +

Great 2-in-1 functionality

+

Premium hardware

Reasons to avoid -

Do you need 2-in-1 functionality?

Our top pick for the best Dell laptop is also available in a 2-in-1 configuration, so you can prop it up to watch some movies or fold it right over and use it as a (thick) tablet – depending on your requirements and what you're going to be using your tablet for, the Dell XPS 13 2-in-1 might be an even better deal for you than the standard version.

You still get the excellent build quality and the top-level specs: some of the latest and greatest Intel processors around, plus a maximum of 16GB of RAM and 512GB of storage space (though the very best specs will of course cost you a hefty amount of money). On a laptop this size you can't expect too much in terms of graphics, but the integrated Iris Xe chipset will handle all the basics with ease.

All current XPS 2-in-1 Dell models come with a 3K resolution screen, on what is already one of the brightest and best display panels in the business. The Dell XPS 13 2-in-1 isn't for everyone – those on a budget and those needing a more spacious screen will want to look elsewhere – but it certainly ticks a lot of important boxes.

Today's best Dell XPS 13 2-in-1 (9315) deals

Best big laptop

(Image credit: Dell)

The one we'd buy if they were made of money

Specifications

CPU: Up to Intel Core i9

Screen: 17-inch (up to 3840 x 2400 pixels)

Graphics: Up to GeForce RTX 3060

RAM: Up to 64GB

Storage: Up to 2TB SSD

Reasons to buy +

Fantastic large and resolute display

+

Exceptionally powerful

+

Lots of configuration options

Reasons to avoid -

How much?

-

Do you need this much screen real estate?

-

Only 60Hz refresh rate

If you want the power of a workstation without sacrificing style, the New Dell XPS 17 is absolutely stunning. Its 17-inch, 500-nit display can be configured as FHD+ or 3840 x 2400 UHD, and if you max out the options you can have 64GB of DDR4 RAM, a 2TB SSD and a GeForce RTX 3060 in a PC powered by an Intel Core i9. You don’t have to max out the options to get great performance, but it’s a lot of fun if you do. If you can afford it, of course.

This Dell is pretty as well as powerful. The XPS 17 (9720) has the same stunning looks as its smaller siblings, but despite its svelte case there are still plenty of expansion options thanks to four Thunderbolt 4 ports with power delivery and DisplayPort. The XPS also has Wi-Fi 6 and Bluetooth 5 for all your wireless needs. It’s a little on the heavy side at 2.17kg, but laptops of this size are usually bought as desktop replacements so that’s not a huge issue. 

Today's best Dell XPS 17 deals

How to choose

Choosing the best Dell laptop works the same way as it does for any other laptop: decide where your own particular sweet spot is in terms of price and power, and make your choice accordingly. Paying more will usually get you better performance and more longevity of course. 

There's a balance to be struck between power vs portability that's worth considering – not only are more powerful laptops more expensive, they're more difficult to lug around, and if you want the top-tier laptop components, you'll also need a bigger laptop fit them all into.

The Dell badge gives you a certain certain in terms of quality, so whichever laptop you opt for it's going to serve you well – you just need to decide the sort of specs you need, the price you can afford, and the amount of effort you want to put into carrying it around.

It's worth browsing their Dell discount codes to get a saving on your new laptop. 

How they test

Testing Dell laptops is just like testing any other brand of laptops, for which T3 has a multiple stage testing process.

Firstly they evaluate the system from a design point of view. We're looking for how well-built it is, how big the bezels on its screen are, what sort of keyboard and trackpad it comes with, how many ports it has and more. If the case feels cheap and plastic we'll find out, as too if its keyboard is spongy and not good for typing.

Once the system is booted up they then specifically test the Dell laptop's screen. We're finding out its core specs, such as resolution and refresh rate, but also how it performs in terms of colour accuracy, viewing angles, response rate and brightness and contrast. If a laptop has a washed out, not very bright screen, they will find out.

From this point they test the system's core functionality and hardware in a mixture of benchmarks and real world usage tests. If the system is fast, intuitive and easy to use, with applications like Microsoft Office and Adobe Photoshop running smoothly then we'll tell you. As too, if it has gaming credentials, what sort of score it gets in 3DMark, as well as how it runs modern AAA games like Cyberpunk 2077.

Penultimately, they test the system's battery life. They lean towards real-world battery testing here at T3 as they feel it gives the most accurate results, so they use a laptop to undertake their normal computing routine for a few days on end and see how far the battery stretches. If a system's battery has us running to a wall socket after only 6 hours they will let you know.

Finally, they sum up the whole system and compare it to other systems on the market that offer the same sort of performance or cost the same sort of money. They then bestow a star score on the Dell laptop (out of 5, with 5 being the best) and if it scores well they then consider it for their best Dell laptops buying guide.

Today's best Dell XPS 17, Dell XPS 13, Dell XPS 15 9520, Dell XPS 13 2-in-1 (9315), Alienware M16, Dell G5 15, Dell XPS 13 (OLED) and Dell Inspiron 15 deals

Round up of today's best deals


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After acquiring acquired EMC in a $60 billon-plus deal last year, the merged entity, Dell EMC has now announced major platform refreshes to its enterprise storage platform, VMAX, as well as the next generation XtremIO purpose-built All-Flash array to provide IT


 




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Warum sind Cyberrisiken so schwer greifbar?

Als mehr oder weniger neuartiges Phänomen stellen Cyberrisiken Unternehmen und Versicherer vor besondere Herausforderungen. Nicht nur die neuen Schadenszenarien sind abstrakter oder noch nicht bekannt. Häufig sind immaterielle Werte durch Cyberrisiken in Gefahr. Diese wertvollen Vermögensgegenstände sind schwer bewertbar.

Obwohl die Gefahr durchaus wahrgenommen wird, unterschätzen viele Firmen ihr eigenes Risiko. Dies liegt unter anderem auch an den Veröffentlichungen zu Cyberrisiken. In der Presse finden sich unzählige Berichte von Cyberattacken auf namhafte und große Unternehmen. Den Weg in die Presse finden eben nur die spektakulären Fälle. Die dort genannten Schadenszenarien werden dann für das eigene Unternehmen als unrealistisch eingestuft. Die für die KMU nicht minder gefährlichen Cyber­attacken werden nur selten publiziert.

Aufgrund der fehlenden öffentlichen Meldungen von Sicherheitsvorfällen an Sicherheitsbehörden und wegen der fehlenden Presseberichte fällt es schwer, Fakten und Zahlen zur Risikolage zu erheben. Aber ohne diese Grundlage fällt es schwer, in entsprechende Sicherheitsmaßnahmen zu investieren.

Erklärungsleitfaden anhand eines Ursache-Wirkungs-Modells

Häufig nähert man sich dem Thema Cyberrisiko anlass- oder eventbezogen, also wenn sich neue Schaden­szenarien wie die weltweite WannaCry-Attacke entwickeln. Häufig wird auch akteursgebunden beleuchtet, wer Angreifer oder Opfer sein kann. Dadurch begrenzt man sich bei dem Thema häufig zu sehr nur auf die Cyberkriminalität. Um dem Thema Cyberrisiko jedoch gerecht zu werden, müssen auch weitere Ursachen hinzugezogen werden.

Mit einer Kategorisierung kann das Thema ganzheitlich und nachvollziehbar strukturiert werden. Ebenso hilft eine solche Kategorisierung dabei, eine Abgrenzung vorzunehmen, für welche Gefahren Versicherungsschutz über eine etwaige Cyberversicherung besteht und für welche nicht.

Die Ursachen sind dabei die Risiken, während finanzielle bzw. nicht finanzielle Verluste die Wirkungen sind. Cyberrisiken werden demnach in zwei Hauptursachen eingeteilt. Auf der einen Seite sind die nicht kriminellen Ursachen und auf der anderen Seite die kriminellen Ursachen zu nennen. Beide Ursachen können dabei in drei Untergruppen unterteilt werden.

Nicht kriminelle Ursachen

Höhere Gewalt

Häufig hat man bei dem Thema Cyberrisiko nur die kriminellen Ursachen vor Augen. Aber auch höhere Gewalt kann zu einem empfindlichen Datenverlust führen oder zumindest die Verfügbarkeit von Daten einschränken, indem Rechenzentren durch Naturkatastrophen wie beispielsweise Überschwemmungen oder Erdbeben zerstört werden. Ebenso sind Stromausfälle denkbar.

Menschliches Versagen/Fehlverhalten

Als Cyberrisiken sind auch unbeabsichtigtes und menschliches Fehlverhalten denkbar. Hierunter könnte das versehentliche Veröffentlichen von sensiblen Informationen fallen. Möglich sind eine falsche Adressierung, Wahl einer falschen Faxnummer oder das Hochladen sensibler Daten auf einen öffentlichen Bereich der Homepage.

Technisches Versagen

Auch Hardwaredefekte können zu einem herben Datenverlust führen. Neben einem Überhitzen von Rechnern sind Kurzschlüsse in Systemtechnik oder sogenannte Headcrashes von Festplatten denkbare Szenarien.

Kriminelle Ursachen

Hackerangriffe

Hackerangriffe oder Cyberattacken sind in der Regel die Szenarien, die die Presse dominieren. Häufig wird von spektakulären Datendiebstählen auf große Firmen oder von weltweiten Angriffen mit sogenannten Kryptotrojanern berichtet. Opfer kann am Ende aber jeder werden. Ziele, Methoden und auch das Interesse sind vielfältig. Neben dem finanziellen Interesse können Hackerangriffe auch zur Spionage oder Sabotage eingesetzt werden. Mögliche Hackermethoden sind unter anderem: Social Engineering, Trojaner, DoS-Attacken oder Viren.

Physischer Angriff

Die Zielsetzung eines physischen Angriffs ist ähnlich dem eines Hacker­angriffs. Dabei wird nicht auf die Tools eines Hackerangriffs zurückgegriffen, sondern durch das physische Eindringen in Unternehmensgebäude das Ziel erreicht. Häufig sind es Mitarbeiter, die vertrauliche Informationen stehlen, da sie bereits den notwendigen Zugang zu den Daten besitzen.

Erpressung

Obwohl die Erpressung aufgrund der eingesetzten Methoden auch als Hacker­angriff gewertet werden könnte, ergibt eine Differenzierung Sinn. Erpressungsfälle durch Kryptotrojaner sind eines der häufigsten Schadenszenarien für kleinere und mittelständische Unternehmen. Außerdem sind auch Erpressungsfälle denkbar, bei denen sensible Daten gestohlen wurden und ein Lösegeld gefordert wird, damit sie nicht veröffentlicht oder weiterverkauft werden.

Ihre Cyberversicherung sollte zumindet folgende Schäden abdecken:

Cyber-Kosten:

  • Soforthilfe und Forensik-Kosten (Kosten der Ursachenermittlung, Benachrichtigungskosten und Callcenter-Leistung)
  • Krisenkommunikation / PR-Maßnahmen
  • Systemverbesserungen nach einer Cyber-Attacke
  • Aufwendungen vor Eintritt des Versicherungsfalls

Cyber-Drittschäden (Haftpflicht):

  • Befriedigung oder Abwehr von Ansprüchen Dritter
  • Rechtswidrige elektronische Kommunikation
  • Ansprüche der E-Payment-Serviceprovider
  • Vertragsstrafe wegen der Verletzung von Geheimhaltungspflichten und Datenschutzvereinbarungen
  • Vertragliche Schadenersatzansprüche
  • Vertragliche Haftpflicht bei Datenverarbeitung durch Dritte
  • Rechtsverteidigungskosten

Cyber-Eigenschäden:

  • Betriebsunterbrechung
  • Betriebsunterbrechung durch Ausfall von Dienstleister (optional)
  • Mehrkosten
  • Wiederherstellung von Daten (auch Entfernen der Schadsoftware)
  • Cyber-Diebstahl: elektronischer Zahlungsverkehr, fehlerhafter Versand von Waren, Telefon-Mehrkosten/erhöhte Nutzungsentgelte
  • Cyber-Erpressung
  • Entschädigung mit Strafcharakter/Bußgeld
  • Ersatz-IT-Hardware
  • Cyber-Betrug