Home Cyber insurance helps protect individuals and households against digital threats and cyberattacks, such as identity theft, online fraud, cyberbullying, data breaches, and ransomware affecting home devices or networks.

Coverage includes:

• Identity theft restoration costs
• Online fraud and unauthorised bank transfers
• Cyber extortion and ransomware payments
• Data recovery and restoration services
• Legal costs related to defamation
• Support for children following cyberbullying
• Access to support for cyber incidents

Anyone who uses the internet or has an online presence (for example has an email account, buys online or uses online banking), especially those with smartphones, tablets, or laptops, can benefit from home cyber insurance.

Premiums vary based on the cover selected but most policies start from £13.47 (including all taxes and fees).

If you need help, you can contact the team at OSR by email support@osrcyber.com or by using the contact us page.

Contact the helpline immediately on 0808 169 7074 or by email osr@dynarisk.com. OSR's incident response team can assist with expert cyber support.

You can choose from two levels of cover:

• £10,000 cover — suitable for individuals looking for essential personal cyber protection.
• £20,000 cover — suitable for those who want a higher level of protection, particularly if you manage significant digital assets or online accounts.

All cover limits are inclusive of all costs, expenses, and other amounts covered under the policy, except where stated otherwise in any endorsements.

Yes, the OSR policy includes covering cyberbullying, which can assist with counselling, expert cyber support and legal costs if necessary.

Usually not. Traditional home insurance policies typically exclude cyber risks. You may need to purchase it as an additional benefit or as a standalone policy.

This policy does not include cover for any claim or losses of cryptocurrency or electronic/digital tokens, vouchers or points.

This policy would not cover for any claim or losses arising from your business or trade; you would need to consider buying a commercial cyber insurance policy.

You are responsible for the excess amount as shown on your policy documents.

The OSR policy covers personal computers, smartphones, tablets, smart home devices, and home networks. Coverage excludes business owned equipment or commercial networks.

There are important exclusions you should be aware of:

• Devices used primarily for business, trade, or professional purposes.
• Devices that are more than 10 years old at the time of the incident.
• Devices that were already not functioning before the cyber incident occurred.
• Devices covered by a valid manufacturer's warranty or another specific insurance policy (unless that cover has been exhausted).
• Losses arising from a simple malfunction of your devices that is not caused by a cyber attack.
• Wear and tear or gradual deterioration of your devices or data assets.
• Losses caused by war, terrorism, or nuclear events.

Please read the full policy wording carefully to understand all exclusions before purchasing.

Yes. This policy is written on a claims-made and reported basis. This means the policy only covers losses that are first discovered during the policy period, or within 30 days after the end of the policy period. Losses discovered outside of this window will not be covered, even if the underlying cyber incident occurred during the policy period. It is important you report any incidents as soon as you become aware of them.

Dynarisk is a cyber security monitoring platform. While registration is not a mandatory condition of cover, the insurer strongly recommends that you register your internet-connected devices with Dynarisk at the start of your policy period to get the best possible cyber security coverage.

You can register a maximum of 10 devices. You should also update Dynarisk if any of your devices change during the policy period.

For registration queries, contact: OSR@dynarisk.com.

To buy home cyber insurance, you will be asked for payment at the time of policy purchase. We accept most major debit and credit cards as well as bank transfer (BACS) payments.

Your period of insurance is given in the policy document and is 12 months duration.

You can cancel this policy within 14 days of purchase or renewal (or on the day you receive the policy documents, if that is later). To cancel, you will need to contact TRM at trmadmin@trafalgar.uk.com. We will refund any money paid, as long as no claims have been made on the policy during that time.

If you would like to cancel after 14 days of purchase or renewal (or on the day you receive the policy documents, if that is later), you can do so by contacting TRM at trmadmin@trafalgar.uk.com. You will be entitled to a pro rata return premium providing no claims have been made. If a claim has been made you will not be due any return premium.