What’s new in our refreshed Cyber proposition

Cyber risk continues to evolve - and so has our Cyber proposition. We’ve updated the policy to reflect today’s threat landscape, align with market standards, and help provide clearer and more accessible cover for you and your clients. This now includes crisis support with no excess, helping clients respond promptly when incidents occur.

Across the proposition, we’ve reviewed and removed a number of exclusions, refreshed key definitions, reduced sub‑limits and introduced a standard 60‑day extended reporting period. Further details of product-specific enhancements are below.

Key dates for enhancements

• Full Underwritten Cyber Complete – updated cover available from 29 May
• Digital Cyber Complete – appetite expansion from 31 May
• Digital Cyber Complete & Cyber Respond – updated cover available from 28 June
   

What's new: Cyber Complete

Cyber Complete is designed to offer our widest protection, providing your clients with a range of covers and limits, including a single excess per policy period. This cover has been strengthened to provide broader protection suitable for SME and mid-market organisations.

• Affirmative AI & deepfake cover – enhanced wording intended to provide clearer protection for AI-driven cyber attacks, targeted deepfake events and digital impersonation. This can help to reduce uncertainty where traditional wordings can fall short.
• Stronger Business Interruption (BI) protection – enhanced cover for outsourced service provider system failure, voluntary shutdowns and interim BI payments, now written on a Time Franchise basis. Once the waiting period is exceeded, cover applies from the start of the event, with the option to extend protection to wider supply‑chain disruption,* reflecting the operational risks faced by many businesses.
• Theft of client funds now covered– broader protection for social engineering scams, supported by a refreshed Cyber Crime definition for greater clarity.
• Built-in reputation protection – included as standard, with access to specialist support, available 24/7 for online incidents, corporate identity fraud and coordinated deepfake takedown.
• Appetite expansion - you'll be able to quote and buy Cyber Complete through Fast Trade and Acturis eTrade for larger businesses than before, with Limits of Indemnity up to £5m and Turnover up to £100m. Cover is now available for media trades.

What’s new: Cyber Respond

Cyber Respond, our lower-cost cyber product, has been updated to support smaller businesses and micro enterprises with key additions and improvements. These include:

• New cover available for Corporate Identity Fraud
• New cover available for Telephone Hacking at no additional cost when Crime cover is selected
• Continues to be available through Fast Trade and Acturis eTrade for Limits of Indemnity up to 100k and Turnovers up to £1m

Any One Claim

Don’t forget, our Digitally Traded Cyber Complete and Cyber Respond products are written on an Any One Claim basis as standard, helping to deliver clearer outcomes and more predictable costs for clients, even where multiple incidents occur.

For clients that fall outside our Fast Trade and Acturis eTrade appetite, our fully underwritten Cyber Complete proposition is available, offering cover on an Any One Claim basis** and the same single excess per policy period.

If you’d like to talk through the changes or discuss specific clients, please get in touch with your usual Aviva underwriting contact.

For more information on our cyber proposition, visit our dedicated page.

_{*Available on our underwritten Cyber Complete product.
** Subject to certain underwriting criteria.}