Cyber insurance for families

Today, technology is part of our everyday lives. Whether it’s how we communicate, purchase items and/or coordinate our family’s busy schedule, we are heavily reliant on technology.

Our dependence on the internet, and the exponential growth of web-enabled devices and social media, has resulted in people being much more interconnected. And that’s introduced new risks into our homes and everyday lives that must be managed.

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Who should consider it?

Personal Cyber Insurance covers you, your family, your identity, your reputation, your money and your time (wage replacement) when a cyber event occurs.

What can it cover?

The cover provided by comprehensive insurance can vary, depending on the policy.

But here are some examples of possible cover for cyber events:

  • Hacking/Crimeware
  • Cyber extortion (ransomware)
  • Viruses
  • Cyber espionage
  • Denial of service attacks
  • Cyber theft
  • Identity theft
  • Personal financial loss
  • Wage replacement benefit
  • Repair to e-reputation costs

Social media can also become a breeding ground for anti-social behaviour. That’s why the product may also respond to:

  • Cyberbullying
  • Cyberstalking
  • Cyber harassment
What isn't covered?

There are exclusions. There is also often a deductible or excess and limits on cover, so check with your GSK insurance broker.

Product Disclosure Statement

A Product Disclosure Statement (PDS) is available for personal cyber insurance and can be obtained from a GSK insurance broker.

You should consider the PDS in deciding whether to acquire, or continue to hold, personal cyber insurance.

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