Personal Cyber Insurance

Cyber Event Cover 
Coverage is provided for response costs incurred due to hacking, malware, viruses, or cyber espionage to restore and secure home IT systems. This includes expenses for data restoration, data security, legal fees, virus removal, and technical management response services.

Cyber Bullying Cover 
Access for you and/or your spouse to attend a number of critical guidance sessions if your child has been subjected to cyberbullying, including torment, harassment, humiliation, embarrassment, or targeted attacks online. The aim is to provide emotional support and guidance to support the child cope with the negative effects of cyberbullying and promote their mental well-being.

Cyber Stalking Cover 
Protection against the malicious use of home IT to stalk, abuse, control, or threaten, as evidenced by unwanted and persistent tracking of whereabouts, monitoring of communications or activities, or the ongoing receipt of targeted emails, texts, messages, phone or video calls, or other threatening material.

Identity Theft Cover 
Protection against costs incurred for appointing an appropriate professional to assist with reporting identity theft and re-establishing identity and essential records for an identifiable individual.

Personal Crime Cover 
Coverage for personal financial losses directly resulting from cyber theft, SIM-card hacking, or cryptojacking, including cyber event response costs and wage replacement benefits required to address cyber theft or SIM-jacking. This includes coverage for cyber theft, defined as an electronic transfer causing personal financial loss.

Reputation Cover 
Legal costs incurred in connection with cyber harassment or a harmful publication occurring along with repair costs necessary to remove or mitigate the impact on e-reputation caused by the harmful publication.

Wage Replacement Benefit 
Payment for the sum needed to replace lost wages due to unpaid time taken off work to amend or rectify personal records or protect personal interests resulting from cyberstalking, cyber theft, identity theft, or SIM-jacking.

This is a limited summary of the policy. Terms, conditions, limits and exclusions apply. For full details and before making a decision, consider the Policy Wording and documents.