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Cyber insurance for individuals

It is young, it is sold everywhere, and part of what it promises already sits in your private liability or contents policy. Here is what genuinely remains to be covered.

What is already covered elsewhere

Fraudulent use of a payment card is governed first by your bank’s or card issuer’s terms: in most cases, charges disputed within the deadline are refunded. Destruction of your devices by water damage or theft falls under contents insurance.

What remains specific to cyber is the support: cleaning devices, freezing accounts, pursuing identity theft, and covering the associated legal costs. It is a service as much as a cover.

The exclusions to read before signing

Gross negligence is almost always excluded: a shared password, unpatched software, or a transfer made despite a warning can be enough to void the cover. Losses in cryptocurrency are excluded in virtually every contract.

Online harassment and reputational damage are sometimes included, sometimes sold separately, and the definitions vary by insurer. Compare the definitions, not the headings.

What drives the price

  • The scope: assistance only, or compensation for financial loss.
  • The cap per claim and per year.
  • Whether undelivered online purchases are included.
  • Whether the whole household is covered, or only the policyholder.

We show no tariffs on this page. Unlike LAMal premiums, no public register publishes prices for this branch: they depend on your profile and are calculated case by case. Quoting a figure here would be an invention.

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