About Personal Cyber Protection:

Personal Cyber Protection Insurance is designed for individuals who use their Home IT and internet connected smart devices for personal reasons.

To qualify for Personal Cyber Protection, the Policyholder must be a natural person who resides at the Home Address shown in the Schedule. Cover extends to family members ordinarily residing with you at the Home Address.

You agree that when you acquire this insurance you give consent to receive all documents and communications electronically.

If you do not qualify for this insurance or do not agree to receive all documents and communications electronically then your application for insurance will be automatically declined.

You can read the Important Information and Policy Wording here. If you have any questions, please ask your broker directly.

We collect some of your personal information when you apply for Personal Cyber Protection. You can find our Privacy Statement on page 6 of the Important Information.


Note - the policy does not cover:

  • facts or circumstances known to any insured before policy inception.
  • 3rd party liability, defence costs, bodily injury or property damage.
  • use of Home IT for business purposes, commercial activity or for properties you lease to others.

An Aggregate Limit applies for all claims and all covers combined; sublimits may apply; and the Excess applies on a per claim basis. If the Excess cannot be set off against a claim payment the Policyholder will be liable to pay the Excess. Cover is subject to the terms and conditions set out in the policy.


Personal Cyber Protection Insurance renewal is automatic. Emergence will send you and your broker a renewal notice 30 days before the end of the Policy Period. We will debit the Policyholder’s credit card 7 days before the renewal date.