Safeguard against cybercrime: simple ways to protect yourself

When people hear the words cybercrime, they often think of large companies being hacked or something highly technical that happens to other people.

In reality, cybercrime is usually far more ordinary than that, and much closer to everyday life.

Most incidents don’t start with clever code or complicated technology. They start with a message, a call, or a moment of distraction. That’s why understanding what cybercrime looks like today is one of the simplest ways to reduce the risk.

Why cybercrime feels distant - even though it isn’t

For many of us, cybercrime still feels like something that happens to other people. But as more of daily life moves online - shopping, banking, paying bills, sharing photos - the opportunities for criminals have grown too.

Cyber criminals don’t target people because of who they are. They look for chances. Messages and calls are sent out in large numbers, knowing that if even a small number succeed, they’ve got what they want.

This means you don’t need to be careless, wealthy or especially active online for cybercrime to affect you. You just need to be human.

What cybercrime looks like today

Cybercrime is designed to fit in with normal life. Some common examples include:

• A text about a missed delivery asking you to click a link
• An email that looks like it’s from your bank or an online account you use regularly
• A phone call saying there’s a problem that needs urgent action
• An online seller that disappears once payment is made
• An email or social media account you suddenly can’t access
• These situations don’t feel dramatic at first. They’re meant to feel familiar and easy to trust.

“We often see people caught out by messages or calls that look completely genuine. Today’s cybercrime relies more on believability than technical skill.”
Matt Cullina, Cyberscout 

The most common cyber problems people face

When specialists support individuals and families after a cyber incident, the same issues tend to come up repeatedly:

• Accounts being taken over, such as email or social media
• Card or payment details being used without permission
• Someone pretending to be you to open accounts or services
• Scams where criminals pose as trusted organisations
• Problems that begin after personal details are stolen elsewhere

Often, one issue leads to another. For example, losing access to an email account can make it easier for criminals to reset passwords and access other services.

How cybercrime is changing and what to look out for

The basics of cybercrime haven’t changed. Criminals still rely on trust, pressure, and distraction. What has changed is how convincing scams have become.

Some things to be more aware of include:

• Messages that sound more natural and well written
• Scams that use personal details to feel more believable
• Criminals acting more quickly once they gain access
• Phone calls or messages that sound increasingly realistic

This doesn’t mean people need to live in fear. It simply means it’s more important than ever to pause, especially when something feels unexpected or urgent.

“Many scams now look and sound very real. Taking a moment before acting can make a big difference.”
Matt Cullina, Cyberscout 

Simple steps that really help

You don’t need to be an expert to protect yourself. Small habits can reduce risk:

• Use different passwords for important accounts
• Turn on extra security features where available
• Be cautious with unexpected messages, even if they look familiar
• Avoid clicking links or sharing details under pressure
• Keep phones, tablets and computers up to date

These steps aren’t technical – they’re about slowing down and staying alert.

Staying protected with the right support

Cybercrime can affect anyone, which is why taking early, practical steps to protect yourself is so important. With the right advice and support, you can strengthen your digital security, reduce your risk and feel more confident online.

Support from specialists can help people:

• Spot and address vulnerabilities before they become problems
• Protect accounts, devices and personal information
• Build safer habits for day-to-day online activity
• Respond quickly and effectively if something unexpected happens

“There’s no shame in being affected by cybercrime. What matters is getting support as early as possible.”
Matt Cullina, Cyberscout

Cyber protection as part of your NFU Mutual cover

Personal Cyber cover is included as standard with NFU Mutual Bespoke Home Insurance.

Through NFU Mutual’s Cyber Helpline provider, Cyberscout, you and family members living with you can access dedicated support designed not only to help in a crisis, but also to provide proactive, preventative guidance to help you stay protected day to day.

If the unexpected does happen, cover of up to £50,000 a year is available, along with access to a 24/7 Cyber Assistance Helpline, available 363 days a year, offering practical help and guidance*.

NFU Mutual Bespoke Home Insurance is specially designed for high‑value homes, with contents over £150,000. It offers one of the highest‑quality home insurance products in the market and is rated 5 Star for High‑Net‑Worth Home Insurance by leading financial information, ratings and fintech business Defaqto.

*Closed Christmas Day and New Year’s Day.