How can I get cyber insurance?
Cybercrime is a very rapidly growing form of crime right now. Everyone is affected by technological advances. Cyber insurance offers help if you are a victim of cybercrime. Taking out cyber insurance is not required by law, but it is certainly recommended. With the great increase in digital traffic, the danger of cybercrime will remain present in the coming years. Throughalpina.nl you can take out both cyber insurance for businesses and cyber insurance for individuals.
Cyber insurance companies
Cyber attacks unfortunately take place on a daily basis. Yet it appears that many individuals and companies are insufficiently prepared and do not pay enough attention to the online behavior of employees. For companies, a cyber-attack can create several dangers, such as: data theft, temporary website inaccessibility, high costs and image damage. With cyber insurance for businesses, it covers legal liability, business losses, crisis management costs and your own damages.
Cyber insurance individuals
As with businesses, it is also possible to purchase cyber insurance for individuals, called a CyberCarePolicy. Coverage includes all resident family members. Out-of-home sending children, under the age of 27, are also co-insured. When you take out private cyber insurance, there is only coverage for damages you suffer as an individual.
Getting cyber insurance online
Applying for cyber insurance can be done easily and quickly online. However, there is a difference in applying for cyber insurance for businesses and applying for private cyber insurance. Below, we briefly explain how to apply for cyber insurance.
Cyber insurance companies
After answering some business-related questions and filling out some business information, you will be presented with a premium proposal. You can choose to receive this proposal by mail. It is also possible to apply for the insurance directly if you wish.
Getting cyber insurance for businesses
Private cyber insurance
If you make an online calculation for private cyber insurance, you will see the premium proposal online. After this, you will fill in some personal information. You will receive an e-mail from us with an application form. You should return this application form to us, by mail. After receiving your application form, we will apply for the insurance with the insurance company. The actual coverage will take effect after approval from the insurance company.
What is insured?
- Emergency service (24/7)
- Computer help
- Investigation costs into the cause and extent of the incident
- Help with identity fraud
- Assistance in removing negative online posts and restoring reputation
- Reimbursement of expenses for identity fraud and invasion of privacy (including defense costs)
- Compensation for loss of money on account
What is not insured (exclusions).
There are a number of things excluded from coverage by default with cyber insurance for both businesses and individuals, such as:
- Intentionally causing damage
- When committing fraud
- If the damage arises from data you obtained illegally
- Damage from war, looting and government acts
In addition, the items below are not insured with cyber insurance:
- Claims that occurred prior to the effective date
- Accrued loss for which a co-insured is a defendant, the perpetrator or co-perpetrator.
- Damage resulting from lack of appropriate security measures.
In many cases with cyber insurance, you have a deductible. The deductible is the portion of the claim that, each time you have a loss, you must pay yourself. You can find how high this deductible is in the policy terms and conditions.
Do you have questions about obtaining cyber insurance? If so, please contact us. We are happy to help you! We can be reached by phone from Monday to Friday between 08:00 and 18:00 at telephone number 088-6883700.
How do we work?
We are an independent intermediary. That means we have no financial obligations or production commitments to any company. And that's a big advantage for you. Because we are always looking for the product with the lowest premium and the best conditions.
Supervision
Alpina complies with all legal requirements of the AFM. Thus, we have the necessary licenses and diplomas and we are affiliated with the Financial Services Complaints Institute (Kifid).
Calculate the premium of cyber insurance for individuals immediately!
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