Aviva updates cyber insurance offering

Aviva has refreshed its Cyber Complete and Cyber Respond products to expand coverage for businesses ranging from micro enterprises to mid-market companies.

Cyber Complete now includes clearer protection against AI-enabled attacks, deepfakes, digital impersonation, corporate identity fraud, social engineering scams, and the theft of client funds. Reputational protection is included as standard, covering services such as deepfake takedowns and the restoration of public records following identity fraud.

Aviva also strengthened business interruption coverage by adding interim payments during recovery and backdating coverage to the beginning of an incident once the waiting period has been met. Optional coverage is available for disruptions caused by outsourced service providers.

For Cyber Complete policies sold through Fast Trade and Acturis eTrade, Aviva increased the maximum indemnity limit from £2 million to £5 million and doubled the eligible turnover threshold to £100 million. The insurer also expanded its appetite to include more industries, including media risks.

Cyber Respond, which is intended for smaller businesses, has been updated to cover additional risks such as corporate identity fraud and telephone hacking.

Both products include 24/7 incident-response support and are written on an “any one claim” basis, meaning the full coverage limit applies separately to each claim. A single excess applies throughout the policy period.