Aviva Cyber Respond and Aviva Cyber Complete

Our Cyber Respond and Cyber Complete digital products are designed to remove the complication from protecting small and medium sized businesses against cyber related attacks. Our cover, combined with a 24/7/365 incident response, helps give your clients the peace of mind that should they suffer a cyber-related attack, they have the tools in place to act quickly and help to minimise the impact on their business.

Cyber Respond

Cyber Respond provides customers with a simpler product, designed with smaller businesses in mind. It's suitable where your customer doesn't need the extended covers or higher limits of Cyber Complete. This product helps to provide protection against cyber risks including hackers and cyber-criminals causing damage or disruption to data. The cover focuses on the breach response service including forensic experts, legal advice, notifying affected customers and offering credit or identity fraud monitoring services. 

Cyber Complete

Cyber Complete offers our widest protection, providing your clients with a range of covers and limits. Additional optional covers are available to allow you to adapt the policy to meet the needs of their business. Cover extends beyond that provided by Cyber Respond, to also help provide protection against subsequent loss of revenue as well as liabilities arising from a cyber event. 

Business attitudes to cyber security risks

Explore the latest research

Why do clients need Cyber cover?

Cyber threats are an increasing risk, for every size and type of company. As more businesses move towards fully digitising their systems, it’s important to have the right insurance in place. Here’s what Cyber insurance could cover*: 

  • Phishing incidents - where an employee clicks on a malicious link - and attempted security breaches from external sources 
  • Financial costs if data or other electronic systems have been lost, damaged/corrupted or stolen
  • Costs of investigating a cybercrime 
  • Any expenses from notifying third parties 
  • Extortion payment demands from hackers
  • Third-party claims against the business, including legal defence costs. 

Some businesses may appear to be a more likely target than others – for example, a company storing financial data on customers will be at higher risk. However, any business using a computer program or device on any system will be at risk from a cyber attack. 

* Restrictions, exclusions and limitations apply.

Why choose Aviva's Cyber cover?

Cyber Respond

Cyber Respond is designed for small businesses and micro enterprises with:

  • Fewer than 10 employees
  • A turnover of less than £1m
  • A maximum total combined cover limit of £110,000 1

1 Our total cover limit is the sum of Cyber Data Loss section and External Cyber Crime (if selected) up to a maximum of £110,000. 

Cyber Complete

Cyber Complete is designed for SMEs and mid-market organisations with:

  • A turnover of up to £500m 2
  • More complex digital operations
  • A maximum total combined cover limit of £5m 3

2 Our digital channels can handle companies up to £50m turnover who require a limit of up to £2m. For larger businesses or limits, please refer to your local cyber underwriter

3 Our total cover limit is the sum of Cyber Data Loss section, Cyber Liability section and External Cyber Crime (if selected) up to a maximum of £5m (or £2m via our digital channels).


Key features

  • 24/7/365 Incident response
  • Minimum cover limit of £25,000
  • Minimum premium of £50 + IPT*
  • No compulsory excess as standard
  • Access to services and specialist partners at preferential rates

* Subject to individual circumstances of the business and the cover level selected

Cover highlights

Can provide cover against:

  • Damage to IT systems & data
  • Cyber terrorism
  • Increased cost of working
  • Unauthorised use of computer equipment (as part of the External Cyber Crime optional cover)
  • Social Engineering and Funds transfer fraud (as part of the External Cyber Crime optional cover)

Key features

  • 24/7/365 Incident response
  • Minimum cover limit of £25,000
  • Minimum premium of £200 + IPT*
  • £1000 minimum excess
  • Access to services and specialist partners at preferential rates

* Subject to individual circumstances of the business and the cover level selected

Cover highlights

Can provide cover against: (in addition to those covered by Cyber Respond)

  • Business Interruption
  • Cyber extortion ransom payment (where insurable by law)
  • Regulatory fines and penalties (where insurable by law)
  • Corporate Identity theft and Telecommunications fraud (optional)
  • Third party liabilities, including network security, data privacy and media removal costs

Specialist Partners

Your clients can access specialist partners to provide training and solutions to manage and help improve their cyber risk management strategies (additional costs may apply). Your clients will also benefit from a number of additional services including access to a confidential counselling service helpline and a dedicated helpline for legal and tax advice.

Further details on the cover provided, the services available to policyholders and our selected specialist partners can be found in our Cyber Playbook.

Incident Response: Here for you when you need it

At the heart of our Cyber offering is a 24/7 incident response service. Any cyber incident, actual or suspected, can be reported to our dedicated cyber and technology experts.

They are available at any time to provide your clients with:

  • A dedicated incident manager who will co-ordinate the incident from the outset, bringing in the right experts when necessary.
  • Specialist IT forensics and consultants who will identify the type of attack, the extent of the damage and if data has been compromised.
  • Reputational experts to help minimise any negative impact on the brand, customers or suppliers, across press and social media.
  • No excess for any expert guidance or initial advice, applicable as standard.
  • Support throughout your client’s recovery activities, including access to counselling services, available at no extra cost, for any staff affected by a cyber event or online incident.


Cyber Resources

Cyber Playbook

This guide examines the industry specific threats posed to businesses and the detail of the cover and services available to mitigate them.

Why do your clients need Cyber insurance?

Six key reasons why your clients should consider Cyber cover.

Broker Cyber Checklist

Use this handy checklist to see how our cover options compare to your client’s existing Cyber policy.

Aviva Certified Cyber Insurance and Risk Professional (ACCIRP)

You can now develop your Cyber knowledge with our Aviva Certified Cyber Insurance and Risk Professional (ACCIRP) on Aviva Development Zone.

This course has been developed to provide engaging material with mini exercises throughout. From understanding cyber terminology to talking to your commercial clients about their Cyber risks and why they may need Cyber insurance. This online, 8-hour Continuous Professional Development (CPD) course takes you through 7 learning modules, with a final assessment for qualification. 

Quote and Buy

You can quote and buy both Cyber Respond and Cyber Complete through Fast Trade. 
Alternatively, for those clients who don't meet Fast Trade eligibility or have more complex needs, please contact your local trading office.


If your clients are Corporate businesses or larger SMEs who require higher indemnity limits than their primary insurer can provide to manage their Cyber risk exposure, our Excess of Loss cover may provide an alternative solution.


Our claims service

Our dedicated claims service is there whenever your client needs us – they can call our 24/7 claims line or email us anytime. 

Your client will be allocated a claims handler, who will stay with them throughout the entire process, but they’ll also have access to our panel of solicitors working in litigation and claims investigation.

Our defence excellence team will be on hand to help protect clients against fraudulent claims and also give advice on best practice procedures and legislation that can help companies enhance their risk management strategies.

Explore our claims service

Make a claim

Speed is of the essence in the aftermath of a cyber incident, so businesses need a strong team to manage the event. Our incident response managers are available 24/7 to co-ordinate the necessary specialist IT security, Legal and PR experts to get the business back up and running as quickly as possible.

To make a claim, contact us on 0800 051 4473*

What's involved? 

  • Support when you need it - incidents don’t always happen during the working week - therefore customers need a 24/7 response 
  • Identification and restoration - expert forensics to identify what has happened, contain and resolve it (including data restoration) 
  • Minimisation of reputational damage - Legal & PR expertise to minimise the effect of the breach on the insured’s reputation 
  • Notification of impacted individuals - data subject services, including costs, to notify those affected by the breach - this includes credit monitoring services and ID replacement
  • Investigation - consultancy to prepare for any investigation into the breach by regulators

*Calls to 0800 numbers from UK landlines and mobiles are free. For our joint protection telephone calls may be recorded and/or monitored.

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