Why do clients need Cyber cover?
Cyber risk is still a threat to organisations,2 driven by rapid technological change and a threat landscape where the speed and scale of attacks challenge traditional defences.3 Phishing continues to be the most common entry point, often leading to credential theft and unauthorised access to systems and data.2
AI is further reshaping risk by accelerating both offensive and defensive capabilities.4 Meanwhile, geopolitical volatility continues to shape attacker behaviour.3 All whilst growing digital dependency, increased cloud reliance and highly interconnected supply chains mean that a single outage or compromise can disrupt operations instantly.5
Why choose Aviva's Cyber cover?
We offer two products that are designed to help protect small and medium sized businesses against cyber attacks.
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 Respond is designed for small businesses and micro enterprises with:
- Fewer than 10 employees
- A turnover of less than £1m
This product can provide cover against:
- Damage to IT systems and data
- Cyber terrorism
- Increased cost of working
- Online Risk and Reputation Cover, including Corporate Identity Theft and Targeted Deepfake response
- Unauthorised use of computer equipment as part of Cyber Crime (optional)
- Social Engineering and Funds transfer fraud as part of Cyber Crime (optional)
- Telecommunications Fraud as part of Cyber Crime (optional)
It provides your client with:
- 24/7/365 access to incident response service in event of a cyber attack
- A maximum cover limit of up to £100,000 on an Any One Claim basis
- A policy that doesn't have an excess
- Access to services and specialist partners at preferential rates to help protect their business against cyber criminals
How do you get a quote?
- You can get a quote on Fast Trade
Restrictions, exclusions and limitations apply.
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.
Cyber Complete is designed for SMEs and mid-market organisations with:
- A turnover of up to £500m
- More complex digital operations
In addition to the Cyber Respond covers, this product will also provide:
- Business Interruption, including full system failure for Outsourced Service Providers
- Additional Increased Costs of Working
- Cyber extortion ransom payment where insurable by law
- Regulatory fines and penalties where insurable by law
- Third party liabilities, including network security, data privacy and confidentiality, payment card industry and multimedia liability
It provides your client with:
- 24/7/365 access to incident response service in event of a cyber attack
- A maximum cover limit of up to £5m via Fast Trade on an Any One Claim basis
- A maximum cover limit up to £5m on an Any One Claim basis* via your Cyber Underwriter
- A policy with a single excess per policy period
- Access to services and specialist partners at preferential rates to help protect their business against cyber criminals
How do you get a quote?
- For your clients with up to £100m turnover who need up to £5 m cover limit, you can get a quote on Fast Trade
- For anything larger, please refer to your cyber underwriter
*subject to certain underwriting criteria
Restrictions, exclusions and limitations apply.
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. It provides your clients with:
- A dedicated incident manager who will co-ordinate the incident from the outset, bringing in the right experts where 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
- 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.
To make a claim, contact us at cyberclaims@aviva.com
1. The research was conducted by Censuswide, among a sample of 500 insurance decision makers at SME businesses in the UK. The data was collected between 27.08.2025 - 03.09.2025. Censuswide abides by and employs members of the Market Research Society and follows the MRS code of conduct and ESOMAR principles. Censuswide is also a member of the British Polling Council.
2. Cyber security breaches survey 2025/2026
3. National Cyber Security Centre (NCSC) Annual Review 2025
4. NCSC - Retaining defensive advantage in the age of frontier AI cyber capabilities
5. The Parliamentary Office of Science and Technology (POST) - Cyber resilience of UK digital infrastructure
Contains public sector information licensed under the Open Government Licence v3.0
Quote and Buy
You can quote and buy both Cyber Respond and Cyber Complete through Fast Trade.
Alternatively, for those clients who need more cover or are more complex, please contact your cyber underwriter or get in touch with us at CyberUK@aviva.com or 0207 764 6032.*
If your clients 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.
Claims
To help your client get the best possible outcome, it's important to notify us immediately upon discovering a cyber incident. Prompt reporting helps us to respond swiftly and mitigate potential damage. You can contact us 24/7 at cyberclaims@aviva.com.
Your client will be allocated a claims handler, who will support 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 your clients against fraudulent claims and also give advice on best practice procedures and legislation that can help companies enhance their risk management strategies.
Cyber Risk Management
Your clients can access a range of support and our network of specialist partners to help improve their cyber risk management strategies.*
* Additional costs may apply.
Cyber Resources
Broker Cyber Checklist
Use this handy checklist to see how our cover options compare to your client’s existing Cyber policy.
Develop your cyber knowledge
You can now develop your Cyber knowledge with our Aviva Certified Cyber Insurance and Risk Professional (ACCIRP) on Aviva Development Zone.
This online, eight-hour Continuous Professional Development (CPD) course takes you through seven learning modules, with a final assessment for qualification.
Campaign in a Box
Run your own cyber marketing campaign with our ready made Campaign in a Box.
From email templates to social posts and comprehensive guides to claims scenarios, we've created lots of content to help you talk to your clients about cyber insurance today.
Key documents and resources
Master your marketing and grow your business
Target Market Statement and Fair Value Assessments
Aviva Risk Management Solutions
*The cost of calls to 02 prefixed numbers are charged at national call rates (charges may vary dependent on your network provider) and are usually included in inclusive minute plans from landlines and mobiles. For our joint protection telephone calls may be recorded and/or monitored.
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