Does the policy cover phishing and email spoofing?

Yes. Fraudulent unauthorised online transactions resulting from phishing and email spoofing are covered, subject to the policy terms and conditions.

Does the policy cover legal expenses?

Yes. The policy covers reasonable legal expenses incurred for legal consultation, pursuing or defending legal action, and removing erroneous criminal or civil charges arising from a covered cyber event.

What documents are required for raising a claim?

Depending on the nature of the claim, you may need to submit the claim form, photographs or evidence of loss, supporting invoices, investigation reports, FIR (where applicable), repair or replacement quotations, payment proofs, KYC documents, and any additional documents requested by the surveyor or Claims Manage.

ICICI Lombard Retail Cyber Liability Insurance

Q: What does ICICI Lombard Retail Cyber Liability Insurance cover?

The policy covers identity theft, unauthorised online transactions, cyberbullying, cyber extortion, malware intrusion, reputational injury, legal expenses, data restoration, forensic costs, and certain consequential financial losses arising from cyber incidents.

Q: Are family members covered under the policy?

Yes. The policy extends coverage to the policyholder's spouse, parents, and children residing at the same address.

ICICI Lombard Retail Cyber Liability Insurance is designed to protect individuals and their families against financial losses arising from cyber incidents. The policy provides coverage for identity theft, unauthorised online transactions, cyber extortion, cyberbullying, malware attacks, reputational damage, legal expenses, data restoration, and forensic investigation costs resulting from cyber events.

₹5 Lakh cover starting at ₹2 /day⁺⁺

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Features of ICICI Lombard Retail Cyber Insurance

The key features of ICICI Lombard Retail (Personal) Cyber Insurance include:

Comprehensive protection against a wide range of personal cyber risks.

Covers identity theft and unauthorised online financial transactions.

Protection against cyberbullying, cyber extortion, and reputational injury.

Covers legal expenses, forensic investigation, and data restoration costs.

Extends coverage to the policyholder's spouse, parents, and children residing at the same address.

ICICI Lombard Retail Cyber Liability Insurance: Inclusions

The policy provides protection against various cyber risks, including:

Identity Theft: Covers identity theft costs and lost wages resulting from theft or misuse of personal information.

Unauthorised Online Transactions: Covers direct financial loss and lost wages due to fraudulent online banking, debit/credit card, or mobile wallet transactions, including phishing and email spoofing.

Reputational Injury: Covers crisis management costs and lost wages arising from harmful online publications.

Cyberbullying & Cyber Extortion: Covers expenses related to cyberbullying incidents, cyber extortion threats, ransom-related costs (subject to policy terms), counselling, relocation expenses, and IT security consultant fees.

Malware Intrusion & Data Restoration: Covers data restoration costs, malware-related losses, forensic investigation expenses, and legal costs arising from covered cyber incidents.

Consequential Loss: Covers specified penalties imposed by banks or credit organisations, such as penalties for missed EMIs or minimum balance requirements caused by a covered cyber event.

Disclaimer: This is not a complete list of inclusions. Please refer to the policy wording for complete coverage details.

ICICI Lombard Retail Cyber Liability Insurance: Exclusions

The policy does not cover:

Failure to take reasonable precautions to safeguard personal information or banking credentials.

Fraudulent, dishonest, criminal, or malicious acts committed by the insured.

Known incidents or circumstances existing before the policy commencement.

Losses arising from business activities, professional services, or political affiliations.

Cryptocurrency-related losses.

Damage to tangible property, war, terrorism, government actions, intellectual property infringement, or other uninsurable matters.

Disclaimer: Please refer to the policy wording for the complete list of exclusions.

ICICI Lombard Retail Cyber Liability Insurance: Claim Process

To raise a claim under the policy:

Intimate the claim immediately through ICICI Lombard's customer support, website, or toll-free number.

Submit the completed claim form along with all supporting documents.

File an FIR wherever required under the policy terms.

Cooperate with the surveyor or Claims Manager during claim assessment and provide all requested documents.

After assessment, admissible claims are settled as per the policy terms and condition

ICICI Lombard Retail Cyber Liability Insurance

Features of ICICI Lombard Retail Cyber Insurance