Personal Cyber Insurance

Get peace of mind and protection against cyber attacks, such as hacking, identity theft and cyber bullying.

What is personal cyber insurance?

Personal cyber insurance is designed to help protect yourself and your family from the financial impact of cyber extortion, hacking, cyberbullying, cyberstalking and identity theft. Whether you’re a large family or an individual, protection is available for all needs.

Today, technology is embedded in many facets of our everyday lives. Whether it’s how we communicate, purchase items or coordinate our family’s busy schedule, we are heavily reliant on technology.

Personal cyber insurance can cover you, your family, your identity, your reputation, your money and your time (wage replacement) when a cyber event occurs.

How you can be protected with personal cyber insurance

Personal cyber insurance coverage may vary depending on the insurance policy and insurer. Our insurance brokers can help you find the most suitable product that meets your needs.

To give you an idea, here’s the type of cover that your policy may include:

Cyber extortion (ransomware)
Attacks or threatened attacks against your home IT infrastructure, coupled with demands for money to stop attacks
Malicious or unauthorised home IT infrastructure access or malware that aims to gain control of systems
Electronic communication through your home IT that targets your child or teenage family member with the aim of tormenting, harassing, humiliating or otherwise targeting them
Malicious use of your home IT to stalk, abuse, control or frighten you
Identity theft
The unauthorised access to and use of your identity because of a cyber event to your home IT
Personal financial loss
Loss of funds due to cyber theft. Also includes charges or costs incurred by you due to sim-jacking or crypto-jacking
Wage replacement benefit
Payment of lost wages as a result of taking unpaid leave in response to a cyber theft, sim-jacking, identity theft, cyberbullying or cyberstalking
Repair to e-reputation costs
The removal or mitigation of internet publications that defame your reputation

Do I need personal cyber insurance?

If you or your family use internet-enabled devises, it’s likely that you will be faced with a cyber attack at some stage.

Personal cyber insurance coverage can help with financial losses to yourself and your family, following a cyber security breach.

Case study

You receive an email on your personal computer that looked like it was from your bank. The email requires you to download an attachment to ‘verify’ your account details.

It turns out the email was not from your bank, it was a fake email from a hacker. The attachment you downloaded was a keylogger virus that recorded your login details for various accounts including the login to your bank account.

The hacker then gained access to your bank account and transferred $5,000 from your account to their own.

Personal cyber protection insurance provided cover for the funds transferred as a result of cyber theft. Cover was also provided for cyber event response costs to remove the virus, restore data, and secure the policyholder’s home IT.

Tips or other things to know about personal cyber insurance

Exclusions and the excess you need to pay on personal cyber insurance coverage can vary greatly depending on your insurer.

Policies generally won’t include cover for:

  • Criminal actions committed by you
  • A cyber attack based on facts of which you were aware

There are other exclusions that our insurance brokers can outline for you.

Cyber insurance is also available for businesses.

Have a question? We can help

What does a personal cyber insurance policy cover?

Personal cyber protection insurance generally covers the financial impact of computer hacking, ransomware, or data theft. This could include personal financial costs, legal costs, remediation costs and wage replacement.

What is the cost of personal cyber insurance?

Premiums start from $99. Policy limits from $50,000 to $1,000,000 are available. For a free quotation on cyber insurance please contact us to speak to a broker.

Is personal cyber insurance necessary?

For most people the answer is yes, you should consider personal cyber insurance.

However, it’s important that you take proactive measures to ensure sound security management is in place within your personal devices, and security software is used to minimise your business’s exposure.

We know that navigating the world of insurance can be complex and confusing.

Even if you don’t know the first thing about insurance, we provide the expertise and support to help you understand your risks so that you can focus on your business.

Insurers we work with

Emergence insurance quotes – NewSure Insurance Brokers


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Get peace of mind and protection against cyber attacks, such as computer hacking, ransomware or data theft.

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Call us on 02 4969 8100 or request a call back.

We know that navigating the world of insurance can be complex and confusing. Our brokers compare the myriad of insurance options on the market for you, providing expert advice to implement your chosen plan.

We empower thousands of Australian businesses to focus on what they do best, knowing they’re protected against any possible eventuality.