Aviva Insurance Limited (Aviva plc (UK))
Cyber Respond
by Aviva Insurance Limited
B2BA+DirectNIS2Broker onlyEU / EEAEnglish
Last updated Apr 2026
Product Details§ 01
Max Insurance Limit
Cover limits £25,000 / £50,000 / £100,000. Optional External Cyber Crime add-on up to £10,000.
Min Premium / Revenue
Micro-SME product; cover limits £25K–£100K. No published minimum premium.
Market Focus
Micro and small businesses requiring simplified cover.
Coverage
Cyber crime / FTF
AM Best Rating
A+ (Superior) – AM Best (negative outlook, Nov 2025)
MGA / Direct
No – Direct insurer.
Policy Language
English
NIS2 / DORA Support
UK Cyber Security and Resilience Bill advisory included.
War Exclusion
War and nation-state cyber exclusion applied (LMA-aligned).
Geographic Scope
EU / EEA.
Broker Only
Yes
Advantages & Limitations§ 02
Advantages
- Two-tier product architecture:
- — Cyber Respond: simplified SME product; cover limits £25,000 / £50,000 / £100,000; no compulsory excess; External Cyber Crime optional add-on (up to £10,000).
- — Cyber Complete: broader product; turnover up to £500M; limits up to £5M; full first- and third-party coverage.
- Cyber Respond coverage: incident response (24/7), data security breach, data recovery, reputation management, increased cost of working; External Cyber Crime optional (social engineering, FTF, unauthorised access).
- Cyber Complete adds: BI, outsourced service provider interruption, system failure, cyber extortion ransom payment, manufacturing/OT, regulatory fines, full third-party (network security, data privacy, multimedia, PCI).
- Post-loss IT betterment: up to £25,000 to improve IT resilience after a claim (Cyber Complete).
- DAS Businesslaw portal (avivabusinesslaw.farill.io): complimentary for all policyholders — unlimited legal advice helpline, law update alerts, business and legal guides.
- Free cyber and data risk management materials and resources; counselling service for employees after a cyber event.
- Free 2-hour cyber risk management consultancy with Aviva Risk Management Consultant (Cyber Complete, £5,000+ premium).
- CyberCube Portfolio Threat Actor Intelligence integrated into underwriting (2025).
- UK's largest diversified insurer; 325+ years history; 25.2M customers.
Limitations
- No BI, no third-party liability, no regulatory fines, no cyber extortion ransom payment. Cover capped at £100,000.
Contact & Response§ 03
Customer Contact
24/7 Crisis Hotline
0800 051 4473 / cyberclaims@aviva.com (24/7)