Cyber Respond
Cyber Respond is a cyber insurance product underwritten by Aviva Insurance Limited (Aviva plc (UK)), available in UK. It is aimed at micro-companies and sole traders and small and medium-sized businesses. Coverage limits reach up to Cover limits £25,000 / £50,000 / £100,000. Optional External Cyber Crime add-on up to £10,000.. The policy extends beyond standard cyber liability with Cyber crime / FTF. Policyholders get 6 bundled proactive services — Vulnerability scanning, Training & awareness, Incident response and Risk platform / portal, among others — designed to reduce breach risk before a claim ever happens. The carrier holds an AM Best rating of A+ (Superior) – AM Best. The product signals support for NIS2/DORA regulatory requirements. It is distributed through insurance brokers.
Product Details§ 01
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
Frequently asked questions§ 04
+Who is Cyber Respond designed for?
Cyber Respond by Aviva Insurance Limited targets micro-companies and sole traders and small and medium-sized businesses in UK. Geographic scope: EU / EEA..
+What proactive security services are included with Cyber Respond?
The policy bundles 6 proactive services: Vulnerability scanning, Training & awareness, Incident response, Risk platform / portal, Pre-breach advisory and Crisis management. These preventive services are typically included in the premium.
+Does Cyber Respond help with NIS2 or DORA compliance?
Aviva Insurance Limited indicates the following NIS2/DORA support for this product: UK Cyber Security and Resilience Bill advisory included..
+How can I buy Cyber Respond in UK?
Cyber Respond is sold through insurance brokers — broker contact: https://connect.avivab2b.co.uk/broker/commercial/specialty/cyber/. Compare it with alternatives in UK on Ryskly before approaching a broker.