What are the policy requirements of cyber insurance?

When you purchase an insurance policy, one of the things you receive are the policy terms and conditions, so too when you purchase cyber insurance. The policy conditions contain the conditions/the relevant general provisions on the basis of which the insurance is taken out. They describe in detail what you are and are not insured for. In addition to the policy terms and conditions, the insurance card is also important. You will receive these documents when you take out insurance.

This page summarizes the main policy terms of cyber insurance for individuals.

Why get cyber insurance?

The Internet is playing an increasingly important role in our lives. The Internet makes a lot of 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 respond to this. You can do this by taking out cyber insurance.

The policy wording states that cyber insurance coverage includes all resident family members. Out-of-home sending children, under the age of 27, are also co-insured. When you purchase private cyber insurance, there is only coverage for damages you suffer as a private individual, not business damages.

What types of cybercrime are covered?

There are different forms of cybercrime. Criminals can "break in" to your computer or phone in several ways, for example. Below are some of the different forms of cybercrime that are covered by cyber insurance.

• Identity fraud
• Cyber extortion
• Invasion of privacy
• Loss of money on account
• Reputation damage
• Third-party claims arising from identity fraud or loss, theft, damage to personal or privacy-sensitive data

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