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Cyber Insurance Claims Process

One Liner: You are just a single click away from a comprehensive general insurance claim settlement

Be it malware attack, IT theft loss, cyber stalking, cyber extortion or breach of privacy and data, Bajaj Allianz, with our Cyber Safe Insurance policy, has got all bases covered. We make sure that should you be the victim of such cyber attacks (this isn’t an unnecessary jargon anymore), our cyber insurance policy covers you against any possible financial setback.

Easy Steps to your Cyber Safe Insurance Claim Settlement

- You discover there has been a breach of privacy and data by a third-party

- You waste no time and lodge a written complaint/FIR with the police station and cyber cell department

- You will have to intimate us about your claim within 1 to 2 working days. You can do that by reaching out to us on our Toll Free helpline 1800-209-5858. We are there with you, every hour by the day

- Pair the intimation with submission of all relevant documents (see checklist below)

- You have done your part; now let us take over from here. We will consult the forensic experts and verify if the claim is triggered

- If it is, we will initiate the claim settlement process and remit the payment to you within 5 working days after receiving all documents and report from forensic/cyber expert

For Your Money to Get Home Fast, Don’t Forget These:

- Claim form- duly filled and signed

- FIR copy

- Copies of legal notice

- Copies of summonses from any court

- Copies of correspondence with financial institutions with regards to IT theft loss

- Copies of legal notice filed against third-party for breach of data or privacy

- Copies of criminal cases filed against third-party under relevant clauses

- Copies of invoices for expenses against restoration costs

- Copies of invoices for expenses against IT Consultant Services cover

- Details of costs incurred for filing criminal case/claim for damages against third-party

- Proof of loss incurred by you

- Proof of personal data belonging to you

Individual Cyber Safe Check list

- Fully completed and signed Claim form

- Copy of FIR lodged with Police Authorities / cyber cell

- Copies of legal notice received from any Affected Person/entity

- Copies of summons received from any court in respect of a suit filed by an Affected party/entity

- Copies of correspondence with financial institutions with regard to IT Theft Loss

- Legal notice served on any Financial Institution and or case filed against Financial Institution for IT Theft Loss

- Copies of legal notice served on any Third Party for any Data breach or privacy breach

- Copies of criminal case filed against third party under the relevant insuring clauses

- Copies of invoices for expenses incurred on restoration cost

- Copies of invoices for expenses incurred in IT Consultant Services Cover

- Details/invoices of Costs incurred for filing of criminal case /Claim for Damages against third party

- Proof to show that the Personal Data is the propriety information belonging to the Insured

- Proof to show that Loss is incurred by the Insured

Claim Forms:

FAQ's

What is a cover note?
It is a temporary insurance certificate that your insurer will give you, prior to the issuance of a policy. This is after you have duly filled and signed the proposal form and paid up the premium in full. It is valid for a period of 60 days (from the date of its issue) and warrants the Insurance Company to furnish the insurance certificate before

What if I want to make certain changes within the policy?
The term you might be looking for here is endorsement, which is an agreement in writing, concerning changes in your insurance policy. An endorsement can be put into action during issuance of the policy in order to introduce add-ons and a more extensive coverage or impose certain restrictions.

What is a No Claim Bonus?
You will be eligible for a No Claim Bonus (NCB) in case you don’t make a single insurance claim over the course of your policy. It reduces the premium on your car insurance policy and is a token for you being the good driver that you are. NCB can be transferred to a new vehicle belonging to the same class and is valid for a period of 90 days from

What to do when my policy expires?
Keep Bajaj Allianz on your speed dial and give us a holler on our Toll Free Number 1800-209-5858 in case your policy expires. We are working 24 hours, just to provide you a hassle-free insurance experience!

What to do when my policy expires?
Keep Bajaj Allianz on your speed dial and give us a holler on our Toll Free Number 1800-209-5858 in case your policy expires. We are working 24 hours, just to provide you a hassle-free insurance experience!

What is a cyber insurance policy?
A cyber insurance policy safeguards businesses and individuals against financial losses from cyberattacks, data breaches, and other cyber incidents. It typically covers costs associated with data recovery, legal fees, and notification expenses.

Can I get a cyber insurance policy for my business?
Yes, cyber insurance policies are designed for businesses of all sizes. The range of available coverage options can vary significantly based on the specifics of your business and its online activities, ensuring that you can find a plan that effectively meets your unique needs.

What is the cost of cyber insurance policy?
The cost of a cyber insurance policy varies depending on factors such as your business size, the types of data you handle, the coverage level you select, and your company's cybersecurity measures.

What documents do I need to get a cyber insurance policy?
Usually, you will need to provide information about your business's cybersecurity practices, data storage methods, and incident response plan. Some insurers may require documentation related to your company's risk assessments and security audits. It's always best to check with the specific insurance provider for their documentation requirements.

What are common exclusions in cyber insurance policies?
"Exclusions often include: - Pre-existing vulnerabilities that were known but not addressed - Intentional acts by employees or management - Infrastructure failures not directly caused by a cyberattack - Losses due to war or terrorism - Failure to maintain minimum security standards "

What types of incidents are covered by cyber insurance?
Generally, it cover a range of incidents, including data breaches, ransomware attacks, phishing scams, and network security failures. Coverage extends to costs associated with data restoration, legal representation, customer notification, and financial losses due to business disruptions. Specific coverage may vary based on the policy and provider.

How is the cost of cyber insurance determined?
The cost of cyber insurance is influenced by several factors, such as the size of the business, type of data handled, the strength of existing security measures, and the industry in which the business operates. Insurers assess risk based on these factors to determine premiums. Companies with robust security protocols may qualify for lower rates.

What steps should I take after a cyber incident?
Following a cyber incident, it is crucial to immediately notify your cyber insurance provider. You should also preserve all relevant evidence, initiate your incident response plan, and engage with cybersecurity professionals to access and mitigate the damage. Timely reporting and action are essential for a successful claim and minimizing losses.

Does cyber insurance cover all financial losses from a cyberattack?
While cyber insurance aims to cover a broad range of financial losses, certain exclusions may apply. Policies often have limits and may not cover indirect losses, such as reputational damage or future business opportunities. It's essential to carefully review your policy to understand the scope of coverage and any potential limitations.

What documents are needed to file a cyber insurance claim?
"To file a cyber insurance claim, you'll typically need to provide: - Incident reports from your IT team or forensic experts - Documentation of financial losses - Records of any legal or regulatory actions - Evidence of compliance with security protocols - Copies of notification letters "

Can I renew my cyber insurance policy?
Yes, cyber insurance policies are usually renewable. Most insurers offer renewal options, though the specific terms may depend on your company's risk profile.

How can I extend my cyber insurance plan?
Cyber insurance policies are preferably renewed rather than extended. It is better if you contact your insurance provider before the policy's expiration date to initiate the renewal process.

What happens if my cyber insurance expires?
If your cyber insurance expires, it remains uncovered. The owner will be financially responsible for any losses resulting from data breaches, cyberattacks, or other events which are usually covered under cyber insurance.

What is the validity period of cyber insurance?
The validity period for cyber insurance typically lasts one year, although some insurers may offer policies with different durations. Always verify the validity period with your insurance provider when purchasing or renewing your policy.

Can I change my coverage level or add-ons at renewal?
Yes, you can typically make adjustments to your policy at renewal time. However, the insurer must approve any changes to your coverage or add-ons.
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