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Personal Cyber Insurance

Cyber security protection for you and your family

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As more of our daily activities move online, cyber threats such as scams, identity theft and account hacking can have serious financial and personal consequences.  With UK consumers estimated to have lost £9.4 billion to scams in 2025* , online fraud remains a significant risk.

Personal Cyber Insurance can help protect you and your family against the financial and practical impact of a range of cyber security-related incidents. Combining insurance cover, support and proactive monitoring services, it can offer assistance before, during and after a cyber event.

As a trusted insurance broker, Adler Fairways can help you choose the right Personal Cyber Insurance policy.

What is Personal Cyber Insurance?

Personal Cyber Insurance is designed to help you and your immediate family manage the financial and practical consequences of cyber-related incidents, including online scams, identity theft, account hacking and cyber extortion. It combines insurance cover with specialist support and monitoring services to help you respond to and recover from a cyber incident. 

Personal Cyber

Insure

Financial protection for a range of cyber-related risks.

Personal Cyber

Protect

Access to a digital risk monitoring platform, designed to help identify potential online vulnerabilities and provide guidance on improving personal cyber security including your Cyber Security Score and dark web monitoring for any breached data.

Cyber Support

Support

24/7 cyber support with access to cyber response professionals who can assist with issues such as malware infections, ransomware incidents, online fraud and cyberbullying concerns.

 

Personal Cyber Insurance provides cover for six key risks

  • Personal Identity Fraud – Unauthorised use of your personal information, which may result in financial loss or costs associated with restoring your identity.
  • Cyber Attack – Malicious access to your devices or digital data, including viruses, malware or ransomware.
  • Social Engineering – Fraud involving deception or impersonation designed to obtain money, personal information or access to accounts.
  • Cyberbullying & Defamation – Harmful, abusive or defamatory online content directed at you or members of your household.
  • Cyber Extortion – Threats involving the theft, restriction or release of digital data in an attempt to obtain payments.
  • Online Sales Fraud – Financial losses arising from online purchases where goods or services paid for are not received as expected due to fraud.

 Subject to policy terms and exclusions

FAQs

Who might benefit from Personal Cyber Insurance?

Personal Cyber Insurance is suitable for individuals and families who use online banking, shop online, use social media, store personal information digitally or are concerned about the impact of online scams, identity theft and other cyber security-related risks.

 

How much does Personal Cyber Insurance cost?

We offer two Personal Cyber Insurance policies with different coverage limits:

  • £5,000 any one claim/£10,000 policy limit
    £11.65 Total annual price

  • £10,000 any one claim/£20,000 policy limit
    £17.47 Total annual price

These are the total prices paid per year and include Insurance Premium Tax

Who can be included in the Personal Cyber Insurance policy?

The Personal Cyber Insurance policy can cover your immediate family. This is family and dependents who live within the same household ie partner, spouse, children.

Is Personal Cyber Insurance worth it?

Cyber threats can affect anyone. From phishing emails and fraudulent websites to account takeovers and identity theft, online scams can have both financial and personal consequences. While taking steps to improve your cyber security can help reduce risk, Personal Cyber Insurance can provide support and financial protection if you or your family are impacted by a cyber security-related incident.

What information do you need to set up a Personal Cyber Insurance policy?

We only require a small amount of information to arrange cover, helping to keep the process simple and straightforward.

Is Personal Cyber Insurance included with home insurance?

Not usually. Some home insurance policies may include limited cyber security-related cover or offer it as an optional add-on. However, coverage can vary significantly between insurers. Personal Cyber Insurance is designed specifically to help protect against a range of cyber security-related risks. You should check your existing policy documents to understand what cover you already have.

*Source: State of Scams in the United Kingdom – 2025 | Global Anti Scam Alliance

 

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This information is a general guide only.  Adler Fairways will assess your requirements and recommend a bespoke range of insurance solutions to meet your needs.  As part of the quotation process, we will provide full details of the specific coverage, benefits, limits, premiums, exclusions, excesses payable, and any other policy conditions that would apply to the insurance we recommend for you.  We currently only offer cover to businesses registered in England, Scotland, Wales, Northern Ireland, the Channel Islands and the Isle of Man.

Words from our clients…

Shannonside Civil Engineering Ltd

"Over the last eight years we have continued to renew our cover through Adler Fairways, we consider them a partner of our wider business on the growth trajectory to being a 100 million pound business. Having guided us from a small start up to where we are today, their guidance and level of experience have been invaluable in ensuring we are covered in all aspects of our liabilities. This has allowed us to focus on growth and margins. Thank you Adler Fairways as we move forward together into the future." Shannonside Civil Engineering

John Hall, Director, West Midlands Fasteners

"Adler Fairways have taken care of our insurance needs for many years, during which time we have built a strong relationship. We have come to depend on their expertise and know we can always rely on them." West Midlands Fasteners

Faisal Ravat, Managing Director, E&S Motors Ltd

"We transferred our insurance to Adler Fairways Insurance Brokers in 2023, when they offered us a much more complete and competitive premium than our current brokers. The team took the time to understand our business and future needs; we have continued to receive excellent service from them, and have been impressed with their care, and attention to detail. What is key for our business is the advice that is given when needed, and the robust claims management internally which has helped manage our premiums for a traditionally difficult to insure niche sector of the motor trade." E&S Motors

Frank Ryan, Director, Reirse Ryan Ltd

"We have been with Adler Fairways for a number of years now and remain with them for the personal service we receive together with commercially competitive premiums and the knowledge that when a claim does arise, professional assistance is always to hand." Reirce Ryan

Gerald Doble, Director, G A Doble

"The Adler Fairways team has looked after our insurance portfolio for several years now and have provided excellent service throughout. Our annual renewal reviews are always conducted in good time ahead of renewal with all our questions answered and we are extremely impressed with the renewal proposals received. Prior to moving our business to Adler Fairways, we had not received a proper review for several years. The team were instrumental in making sure our insurance was arranged on the correct basis and have also been able to save us money on our premiums over the years. It is clear that they have our best interests at heart, both from an insurance cover and premium perspective. Whenever we have a query or need to make a change to our policies, it is dealt with efficiently and professionally. We can’t fault them on their reliability and excellent personal service".

John Dyke, Central Scaffold Walsall Ltd

"As a scaffold company operating within the construction industry, it is crucial for us to have a reliable and experienced insurance broker by our side. Adler Fairways has been a trusted partner to us for over 15 years and we couldn’t be more satisfied with their exceptional service. From the beginning, they demonstrated a deep understanding of the unique risks we face as a scaffold business and worked with us to ensure we’re always fully protected onsite. We have peace of mind in their ability to source comprehensive, industry-specific coverage at competitive rates which is a huge benefit to our operations. The fact that Adler Fairways is a Chartered insurance brokerage also demonstrates their ongoing commitment within their profession." Central Scaffold Walsall