We've got Australian families covered

personal cyber insurance

We offer Australia’s first standalone cyber insurance for families and individuals. Our dedicated team is knowledgeable, experienced and ready to lend support when you need it. Our expert incident response team is available 24/7.

Personal cyber protection insurance

Whether you’re a large family or an individual, our protection scales to meet your personal needs. Emergence can cover you for the impact of cyber events and cyber crime that is presenting itself in various forms and is indiscriminate to who it impacts – from everyday people and public personalities to unsuspecting grandparents and innocent children. The fall out from a cyber event can have severe effects on the victim – financially, emotionally, socially and professionally.


Hacking, malware, viruses

Providing cover and expertise to restore and secure your IT.


Personal cyber crime

Cyber events can happen to anyone. With cover, you can minimise the impact.


Identity theft cover

Our cover helps you re-establish your identity and records, compensating you for your loss and emotional stress.

Looking beyond the technical side of cyber threats – social media can become a platform for anti-social behaviour. That’s why our policy also responds to the direct and threatening impact of intimidation crime on individuals.


Cyber bullying

Helping a family obtain counselling to enable them to assist a child who is subjected to cyberbullying.


Cyber stalking

Helping you put an end to being watched, followed and tormented online. 


Cyber harassment

Helping you restore your reputation following personal cyber harassment, with experts experienced in overcoming cyber hostilities.

Claims Examples

how we help

Claim Scenario

Sarah was working on her computer when she clicked on a plausible email attachment which unleashed a malware virus. As a result, this locked all of her important files. As a result, Sarah was unable to access the files on her computer unless she paid a Ransom of

Personal Cyber Solution

Provides cover for cyber event response costs to remove the virus, restore data, and secure the home IT. An IT expert who specialises in ransomware attacks will be appointed to remove the malware and get Sarah’s computer operational again.

Claim Scenario

Daniel received an email on his computer allegedly from a popular social media platform stating he needed to verify his account by clicking on the provided link. Daniel clicked on the link, and a couple of days later he was unable to log in to his social media accounts.
As it turns out, Daniel had downloaded malware onto his computer that allowed a cybercriminal to steal Daniels’ personal information and identity.

Personal Cyber Solution

Provides cover for cyber event response costs to remove the virus, restore data, and secure the home IT. The policy provides identity theft response costs to help the policyholder reestablish their identity and essential records. If Daniel had to take time off work to rectify his personal records and lost wages as a result, he could be entitled to wage replacement benefits as part of his claim.

Claim Scenario

Robin received an email on her computer that looked like it was from her bank. The email required Robin to download an attachment to ‘verify’ her account details. It turns out, the email was not from Robin’s bank, it was a fake email from a hacker. The attachment
Robin downloaded was a keylogger virus that recorded Robin’s login details for various accounts including the login to her bank account. The hacker then gained access to Robin’s bank account and transferred $5,000 from Robin’s account to their own.

Personal Cyber Solution

Provides cover for policyholders’ funds that are transferred as a result of cyber theft. Personal Cyber Protection Insurance also provides cover for cyber event response costs to remove the virus, restore data, and secure the Robin’s home IT.

Claim Scenario

Jess just started high school. Within the first few weeks, she became a victim of online bullying. It started out as a few comments, however quickly escalated to repeated harsh and vile comments on all of her social media profiles. The online bullying had a significant impact on Jess and led to her not wanting to go to school and a deterioration in her grades.

Personal Cyber Solution

Provides cover for a policyholder and their spouse to attend critical guidance sessions if their child is subjected to cyber bullying. In this case, these sessions would help Jess’s family work through this ordeal and better deal with any future instances of cyberbullying.
The policy will also cover the costs of a forensic IT investigator to assist you. The policy would also provide a wage replacement benefit if the parents have to take unpaid time off work to attend guidance sessions or to meet with the school or other authorities to deal with the incident.

Claim Scenario

Tom noticed random sounds being played and a message being read out from his Google Hub. It turns out, Tom’s Google Hub was hacked.

Personal Cyber Solution

Provides cover for cyber event response costs to remove the virus, restore data, and secure the policyholder’s home IT. In this case, we will appoint a forensic IT investigator to assess the Google Hub system, remove malware and secure Tom’s system from
further attacks.

Claim Scenario

Carla had her home computer accessed by a cyber hacker who exfiltrated her personal emails and photos. The threat actor threatened to release the information, eventually publishing the photos and emails on a website.

Personal Cyber Solution

An IT expert will be assigned to attempt to remove Carla’s personal data from the website and to reduce the likelihood of this appearing in Google and other search engines. The policy will also provide cover for legal costs to advise Carla what legal remedies she may have and the steps she can take in response to this incident.

Discover how you can protect your family with Emergence