Personal Cyber Insurance

If you have an NFU Mutual Bespoke Home Insurance policy and have Personal Cyber detailed in your schedule, your Personal Cyber cover provides up to £50,000 per period of cover.

It offers cover for the following five cyber risks:

Cyber Attack – If you fall victim to a cyber attack, we’ll cover the costs to restore or replace your computer system and retrieve your personal digital assets, such as music, photographs and video.

Ransomware - Reasonable and necessary extortion expenses and ransom monies demanded as a result of ransomware and cyber extortion.

Identity theft – Costs and services incurred as a result of actual or suspected identity theft.

Cybercrime – Money transferred as well as costs and charges incurred following credit card fraud or a phishing attack.

Smart devices and wearables – The costs of restoring your smart devices and wearables, should they become corrupted, damaged or altered by a cyber attack.

In addition, you’ve got 24/7 access* to the NFU Mutual Bespoke Cyber Assistance Helpline administered by CyberScout.

*Available 363 days a year, closed Christmas Day and Boxing Day.

Yes, a £200 excess will apply, except for Identity Theft where no excess applies.

You have unlimited access to the Cyber Assistance Helpline, which is included in your NFU Mutual Bespoke Home Insurance policy. The helpline is available for proactive and preventative assistance as well as when you have a cyber incident.          Call: 0800 138 8211.

Helpline is available 24/7, 363 days a year, closed Christmas Day and Boxing Day.

Personal Cyber is now an embedded cover as part of our NFU Mutual Bespoke Home Insurance policy, and as such, cannot be removed from the policy. It’s all part of our commitment to protect you, your home and your family right down to the finest detail.

Although there is no cover under the policy, the Cyber Assistance helpline can still help you through the process of contacting your bank, building society or financial institution directly.

No. This policy only provides cover for items owned by you.

No. Personal Cyber will only cover incidents occuring whilst the equipment is being used for a personal capacity.

Personal Cyber cover only provides cover whilst the device is being used in a personal capacity. You should check with your employer as to what cover you have.

Yes, this is known as social engineering, and we’ll cover instances where you are tricked through electronic means into transferring money to a fraudster or revealing your passwords to them.

If you find yourself in such a situation or have any concerns, call the cyber assistance helpline 0800 138 8211. The specialist team is available to provide guidance on protecting your accounts and supporting you through any incidents that may have occurred.

• The cyber incident, identity theft, credit card fraud, or phishing attempt must be discovered by you during the period of cover.
• You must back up original data from your computer system at least every 30 days.
• You must change the passwords on your computer system or smart device from the default password.
• You must have anti-virus software installed on your computer system.
• You must speak to the Cyber Assistance Helpline before reporting a claim.