Frequently asked questions
What is cyber insurance?
Home Cyber insurance helps protect you and your family from the financial fallout of cyber threats that target your family, home devices, personal data, and online activities.
From identity theft and online fraud to cyberbullying and ransomware attacks, a home cyber insurance policy offers coverage and expert support to help you recover quickly and safely.
Why You Might Need It
Today’s households are more connected than ever—with phones, laptops, smart home devices, and children online. As technology grows, so do the risks. Cyber insurance gives you peace of mind that if something goes wrong online, you won’t be on your own to fix it – you’ll have OSR’s cyber experts by your side.
What does a home cyber insurance policy cover?
Home Cyber insurance is for individuals and households from digital threats and cyberattacks, such as identity theft, online fraud, cyberbullying, data breaches, and ransomware affecting home devices or networks.
Coverage includes:
- Identity theft restoration costs
- Online fraud and unauthorised bank transfers
- Cyber extortion and ransomware payments
- Data recovery and restoration services
- Legal costs related to defamation
- Support for children following cyberbullying
- Access to support for cyber incidents
Who needs cyber insurance?
Anyone who uses the internet or has an online present i.e. has an email account, buys online or uses online banking; especially those with smart phones, tablets, laptops, can benefit from home cyber insurance.
How much does home cyber insurance cost?
Premiums vary based on the cover selected but most policies start from £12.00
How do I get help with my policy?
How do I make a claim or get cyber assistance?
Contact our helpline immediately 0808 169 7074 or by email osr@dynarisk.co.uk.
Our incident response team can assist with expert cyber support.
What should I do if I become a victim of a cyberattack?
Contact our helpline immediately 0808 169 7074 or by email osr@dynarisk.co.uk
Our incident response team can assist with expert cyber support.
Can this insurance help if my child is cyberbullied?
Yes, the OSR policy include cover cyberbullying, which can assist with counselling, expert cyber support and legal costs if necessary.
Is home cyber insurance included in my home insurance policy?
Usually not. Traditional home insurance policies typically exclude cyber risks. You may need to purchase it as an additional benefit or as a standalone policy.
Does the policy include cover for cryptocurrency?
This policy does not include cover for any claim or losses of cryptocurrency or electric/digital tokens, vouchers or points.
Would this policy include cover for my business or my income as a social influencer?
This policy would not cover for any claim or losses arising from your business or trade, you would need to consider buying a commercial cyber insurance policy.
Is there an excess on this policy?
You are responsible for the excess amount as shown on your policy documents.
Are all devices in my home covered?
The OSR policy covers personal computers, smartphones, tablets, smart home devices, and home networks. Coverage excludes business owned equipment or commercial networks.
How do I pay?
To buy home cyber insurance, you will be asked for payment at the time of policy purchase. We accept most major debit and credit cards.
When does the policy start?
Your period of insurance is given in the policy document and is 12 months duration.
How do I cancel my policy?
You can cancel his policy within 14 days of purchase or renewal (or on the day you receive the policy documents, if that is later). To cancel, you will need to contact OSR at support@osrcyber.co.uk. We will refund any money paid, as long as no claims have been made on the policy during that time.
If you would like to cancel after 14 days of purchase or renewal (or on the day you receive the policy documents, if that is later) you can by contacting OSR at support@osrcyber.co.uk. You will be entitled to a pro rata return premium providing no claims have been made. If a claim has been made you will not be due any return premium.
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