Personal Cyber Insurance | Cyber Protection | Mum using laptop with baby on lap

Cyber Insurance coverage to protect individuals and families

from as little as $120 annually*

* subject to level of cover chosen and Australian State in which you reside

Why do I need Personal Cyber Insurance?

Have you ever wondered

'What would happen if someone accessed my personal photos in the cloud and used them against me?'

'What if someone hacked my bank details?'

'What would I do if my child was cyber-bullied?'

Technology is a huge part of our lives, and surrounds us everywhere we go, even in our homes.

We use the internet on PCs, laptops, tablets and mobile phones.

We stream the latest tv and movies, and our kids watch their favourite shows over and over again on demand.

We ask a speaker what the weather will be like on Saturday, while our fridge is letting our mobile know that we're almost out of milk, and an AI camera alerts us that our online shopping has just arrived at our front door.

We've got virus protection on our computer... we think our WiFi password is pretty good... and of course we use a pin-code on our phone... but we haven't changed our online banking password for a while... and our teenager doesn't know that their BFF is about to become their online nightmare...

Ultimately, it doesn't matter what precautions you take; none of the 'Internet of Things' that we rely on is 100% secure, and none of us are infallible.

What we are is human

Personal Cyber Insurance | Cyber protection | Teenage girl using laptop for video meeting talking to friends

Personal Cyber Insurance


Check out a Coverage Summary

Get the Product Disclosure Statement

(policy wording)

Read more about cyber risks and how Personal Cyber Insurance coverage may assist you in the Emergence Insurance whitepaper

'Personal cyber insurance | The smart solution to countering cyber crime'


(less than 2 minutes!)

All you need to complete your Proposal is the Policy Holder name and home address!

Choose your cover level, sign and date!


Check out some Claims Examples

Other scenarios are covered in the Emergence Insurance whitepaper

'Personal cyber insurance | The smart solution to countering cyber crime'

Want to know about the claims process?

Check it out here

You can also access all of the above Emergence Insurance documents, and further information, on their website

Hammond Napier Insurance Services


08 9293 0000

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General Advice Warning - retail clients*
General advice on this website has been prepared without taking into account your objectives, financial situation or needs. Before acting on the advice, please consider its appropriateness. You should also consider our disclosure documents, which include our Financial Services Guide (above) and Product Disclosure Statements (PDS) for some products.

*Retail clients are individuals or those purchasing an insurance product for use in connection with a small business where the product is a designated retail product (eg motor vehicle, home buildings, home contents, personal and domestic property, sickness and accidental and travel insurance). All other clients are wholesale clients.

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