Credit card laying on computer

Personal Cyber cover

Introducing Personal Cyber cover from NFU Mutual Bespoke Home Insurance.

Cybercrime is on the rise, which means protecting your data and privacy is now as vital as protecting your home. This is why NFU Mutual Bespoke Home Insurance now comes with Personal Cyber cover as standard.

Personal Cyber cover through NFU Mutual Bespoke gives you peace of mind, with dedicated support and cover up to £50,000 a year should you fall victim to cybercrime, plus access to a 24/7 cyber assistance helpline.

What’s covered?

As part of NFU Mutual Bespoke Home Insurance, your Personal Cyber cover includes a total of up to £50,000 a year cover for:

  • Restoration and replacement costs following a cyber attack
  • Expenses and ransom monies as a result of ransomware and cyber extortion
  • Costs and services incurred due to actual or suspected identity theft
  • Lost money, costs and charges incurred following credit card fraud or a phishing attack
  • The cost to restore your smart devices and wearables if they’re affected by a cyber attack

Please refer to your local agency or the NFU Mutual Bespoke Home Insurance policy documents for full details of the cover.

Frequently Asked Questions

Personal Cyber cover provides up to £50,000 per incident or per period of cover, which ever is first.

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 – Lost money 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 the cyber helpline as part of your NFU Mutual Bespoke policy.

In addition, you’ve got 24/7 access*, 363 days a year, closed Christmas Day and Boxing Day.

*Available 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.

No. In the event of this happening, you will need to contact your bank, building society or financial organisation.

No. Personal Cyber will only cover incident 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. 

  • 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 helpline before reporting a claim.