What are the policy conditions of a cyber insurance policy?
When you take out an insurance policy, you will receive the policy terms and conditions, as is the case when you take out cyber insurance. The policy conditions contain the terms and conditions/the relevant general provisions on the basis of which the insurance has been taken out. They describe in detail what you are and are not insured for. In addition to the policy conditions, the insurance card is also important. You will receive these documents when you take out insurance.
On this page you will find an overview of the most important policy conditions of a cyber insurance policy for private individuals.
Why take out cyber insurance?
The Internet is playing an increasingly important role in our lives. The Internet makes many things easier. We e-mail, maintain social contacts, read the news and search for information. A large part of the Dutch population has a smartphone with which they are connected to the internet full-time. In itself, this is a positive development, but it also has negative sides, such as the rise of cybercrime. It is important that you anticipate this. This can be done by taking out cyber insurance.
The policy terms and conditions state that the coverage of a cyber insurance policy includes all family members living at home. Children under the age of 27 who live abroad are also insured. When you take out private cyber insurance, there is only cover for damage that you suffer as a private individual, no business damage.
Which forms of cybercrime are covered?
There are various forms of cybercrime. Criminals can 'break in' to your computer or telephone in various ways. Below are a number of different forms of cybercrime that are covered by cyber insurance.
- Identity fraud
- Cyber extortion
- Violation of privacy
- Loss of money on account
- Reputation damage
- Claims of third parties as a result of identity fraud or loss, theft, damage of personal data or privacy-sensitive data
Policy conditions for cyber insurance private individuals
If you are faced with any of the above online incidents, you can count on fast and targeted assistance. You will immediately be assisted by experienced security specialists who know exactly what to do in such a situation.
Features Cyber Insurance Private
- Own risk € 125.00 per event
- World coverage
- € 50,000 insured per event
- Max € 100,000 per year
What is insured?
- Assistance (24/7)
- Computer help
- Investigation costs into the cause and extent of the incident
- Assistance with identity fraud
- Help with removing negative online messages and restoring reputation
- Reimbursement of costs in cases of identity fraud and breach of privacy (including costs of defence)
- Compensation for loss of money on account
What is not insured (exclusions)?
There are a number of items excluded from coverage by default in cyber insurance for both businesses and individuals, such as:
- Intentionally causing damage
- When committing fraud
- If the damage is caused by data you have obtained illegally
- Damage caused by war, looting and governmental action
In addition, the following items are not insured with cyber insurance:
- Damage that occurred prior to the effective date
- Damage incurred where a co-insured is a suspect, the perpetrator or co-perpetrator.
- Damage caused by the lack of appropriate security measures.
In many cases with cyber insurance you have an excess. The excess is the part of the damage that you have to pay yourself every time you have damage. You can find out how high this excess is in the policy conditions.
Download policy conditions cyber insurance
You can download the policy conditions of a cyber insurance policy for private individuals below:
Policy conditions for private cyber insurance
Download insurance card cyber insurance
In addition to the policy conditions, you can also download the insurance card for cyber insurance for private individuals below:
Insurance card private cyber insurance
Take out cyber insurance
Do you still have questions after reading the above policy conditions or insurance card? Then please contact us. We will be happy to help you! We can be reached by telephone from Monday to Friday between 08:00 and 18:00 on telephone number 088-6883700.
It is possible to take out cyber insurance for individuals at Alpina. You can make a calculation directly below.
Calculate your cyber insurance premium!
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