FWIW, I had a successful arbitration process this year via the German Insurance Ombudsman after my bike was stolen and the insurance didn't want to pay. The pro

FWIW, I had a successful arbitration process this year via the German Insurance Ombudsman after my bike was stolen and the insurance didn't want to pay. The process took a few months, but was pretty easy overall and I got my money back :-) (In the end, the insurance paid just to avoid further hassle.) Regarding PayPal: I've always avoided getting an account with them, because I generally don't like online services having access to my bank account. Two weeks ago, though, I was forced to create an account with them to pay a conference fee - just to have the PayPal account locked literally the minute it was created. I have no idea why, I didn't get any further information, and no useful response from customer service. So I guess I will remain a non-PayPal customer...