Cyber Cover

Our Cyber Cover product is designed to cover cyber risks which could be damaging to businesses that use technology and are involved in the storage or use of data.

  • Minimum Cyber premiums from £92 + IPT
  • Statement of Fact for risks with limits under £500,000
  • Plain English Policy Wording 'Crystal Mark'
  • Variable excesses and Indemnity periods available
  • Costs up to £50,000 for locating and removing a computer virus from your computer system (even if damage or disruption has not been caused) and hiring professionals if your computer system has been affected by a virus or attack to recommend how to prevent your computer system from being infected by a computer virus or being hacked.
  • Investigation costs for possible repair, replacement or restoration where a claim has been accepted up to £50,000
  • Loss prevention measures to prevent or minimise further expected damage or future losses up to £50,000
  • Temporary and fast-tracked repair, replacement or restoration where a claim for damage has been accepted up to £100,000 (but no more than 50% of the cost of damage or other loss covered by the policy)
  • Court attendance extension up to £25,000
  • Contractual fines and penalties up to £25,000 as a result of not keeping to your data privacy obligations (not fines and penalties which you cannot insure against by law)
  • Costs to withdraw data from the internet to avoid or reduce a claim up to £10,000
  • Security audit costs following a data-breach claim caused by security weaknesses in your computer system up to £10,000
  • Terrorism Excluded - Computer virus, hacking or denial of service attack not regarded as an act of terrorism

All sums insured, limits of liability and extra cover limits operate on a per occurrence basis rather than a total for the period of insurance, other than the Cyber Attack Limit.

Preferred Risks

  • Manufacturing
  • Wholesaling
  • Retail
  • Professional Services
  • Leisure

Excluded Risks

  • Banks and financial institutions
  • Media, publication and broadcasting companies
  • Businesses involved in gambling or gaming
  • Data centres, cloud storage, internet service providers and software houses

Cyber Cover Sales Aid

The following Policy Documents apply to policies incepted on or after 12th August 2016

Cyber Cover Policy

Cyber Cover Key Facts

Cyber - Notice to Policyholders

Cyber Proposal

The following Policy Documents apply to policies incepted or renewed prior to 12 August 2016.

Cyber Cover Policy

Cyber Cover Key Facts

Send us your commercial enquiry and receive a connected cyber quote