Identity Theft Protection
Supports covered identity theft incidents, including eligible expenses for restoring compromised personal identity information.
Personal Cyber Insurance
Protect Your Digital Life.
Secure Your Identity.
Personal cyber insurance that helps protect you and your family against online fraud, identity theft and data misuse. Get financial support and expert assistance to recover quickly and stay secure online.
Identity Theft Protection
Cyber Fraud Protection
Online Privacy & Data Protection
Cyber Harassment & Reputation Support
Personal Cyber Incident Assistance
What Is Personal Cyber Insurance?
Understanding Personal Cyber Insurance
Personal Cyber Insurance protects individuals and families against risks from cyber incidents, online fraud, identity theft and privacy breaches, providing financial protection and assistance for covered losses, subject to policy terms.
What Does It Cover?
- Identity theft and restoration expenses
- Online financial fraud and cyber-enabled theft
- Cyber extortion and ransomware-related incidents
- Online privacy and data breach-related risks
- Cyber harassment and online reputation risks
Example:
If an individual becomes a victim of an online financial fraud or identity theft, Personal Cyber Insurance can help cover eligible financial losses and associated assistance or restoration expenses, subject to the policy terms and applicable limits.
Coverage Components
Comprehensive Protection At Every Level
Cyber Financial Fraud
Protects against eligible financial losses arising from covered cyber-enabled fraudulent transactions or online theft.
Cyber Extortion & Ransomware
Provides protection and assistance for covered cyber extortion incidents involving threats to personal data, devices or digital information.
Online Privacy Protection
Supports individuals facing covered privacy breaches, misuse of personal information or unauthorised exposure of sensitive data.
Cyber Harassment & Reputation Protection
Provides assistance for covered cyber harassment, online abuse or reputation-related incidents, including eligible professional or legal support.
Cyber Liability
Provides protection against certain third-party claims arising from covered online activities, privacy breaches or other specified cyber-related liabilities.
Additional Cyber Protection
Additional extensions may be available for specific personal cyber exposures, subject to insurer availability and policy terms.
Advisory Support
Protect Your Digital Life Before Risk Finds You
Your digital identity is increasingly valuable and exposed. We structure Personal Cyber Insurance around your risk profile and digital lifestyle.
- 1.
Cyber Risk Assessment & Needs Analysis
We understand your digital exposure, online activities and personal cyber risks to identify relevant protection requirements.
- 2.
Policy Design & Placement
Our specialists structure suitable coverage, limits and extensions and place the policy with appropriate insurers.
- 3.
Policy Documentation & Support
We assist with policy documentation, coverage interpretation and ongoing support so you understand the protection available to you.
- 4.
Dedicated Claims Advocacy
In the event of a covered cyber incident, we support you through the claims process and coordinate with the insurer for timely resolution.
- 5.
Annual Policy Review & Renewal
We review your coverage periodically to ensure it continues to reflect changes in your digital exposure and evolving cyber risks.
Ready To Explore Personal Cyber Insurance?
Protect your digital identity, personal information and finances with cyber protection designed around your lifestyle.
Frequently Asked Questions
Answers to Common Insurance Queries
Identity theft, online fraud, cyber extortion, data compromise, financial loss and certain cyber-related liability exposures may create personal financial consequences, depending on policy terms.
Digital fraud can involve manipulation of individuals rather than direct technical compromise, making the precise wording and applicable sub-limits important.
Equirus Raghnall considers the individual's digital exposure, financial transactions, family usage and required cyber protection before evaluating suitable coverage.
The comparison examines cyber fraud, identity restoration, cyber extortion, liability, response services, exclusions and sub-limits rather than premium alone.
