Personal Cyber Protection Insurance Broker Services in Adelaide, SA
Westphalian Insurance Broker helps individuals and families in Adelaide find and manage personal cyber protection insurance that suits their needs. As a trusted broker, Westphalian connects clients with providers offering cover against threats such as identity theft, cyber extortion, online scams, data breaches, and smart device attacks. The service is designed to reduce the financial and emotional stress caused by cyber crimes by ensuring clients are covered with reliable insurance protection options.
Call 08 8232 3118 for personal cyber protection insurance in Adelaide. We can offer tailored insurance cover for individuals and families against cyber attacks, identity theft, and data breaches.
What is Personal Cyber Protection Insurance?
Personal cyber protection insurance helps safeguard individuals and families from the consequences of cybercrime. It covers computer hacking, data breaches, identity theft, online scams, and unauthorised access to personal devices or accounts. This type of insurance can provide financial reimbursement for losses, access to identity restoration services, support for legal and counselling costs, and help repair reputational damage caused by online attacks. As cyber threats continue to rise in both frequency and severity, having personal cyber protection ensures peace of mind when using the internet for banking, shopping, working or social media. Westphalian ensures clients have access to this vital coverage.
- Increased online activity: More people are using digital platforms for banking, shopping, and communication. This rise in digital activity increases exposure to cybercrime. Personal cyber insurance provides financial support if your data or identity is compromised during regular online use.
- Growing Cyber Threats: Cyber threats such as identity fraud, ransomware, and scams are becoming harder to detect and more damaging. Insurance can help cover investigation costs, expert services, and recovery after a digital attack on you or your family.
- Financial Protection: Recovering from a cyber event can be expensive. Cyber insurance helps cover legal fees, identity restoration services, and lost funds. It ensures you are not left out of pocket when responding to online fraud or data theft.
"22% of the population has been a victim of identity crime."
Cyber crime is increasingly affecting individuals and families in Australia, not just businesses and corporations. Identity theft has impacted 22% of the population, with victims losing an average of $ ,696. The financial and emotional impact that comes through the cyber attack can be severe.
According to ReportCyber, over $328 million in losses are reported annually by individuals and small businesses. In 2019 alone, Australians reported 353,000 scams resulting in $643 million in losses. These numbers highlight the growing need for cyber insurance. To deal with such cases and be insured Westphalian Insurance Broker offers connecting individuals with tailored personal cyber protection insurance plans that cover financial losses and assist with recovery in the event of cyber attack to their personal data. Our experienced broker works closely with leading insurers to help individuals get maximum coverage with the best prices and premium that will support them for legal costs, data restoration and identity monitoring.
Westphalian is committed to helping you reduce the impact of cybercrime. Speak to our Adelaide-based brokers to understand your risks and access coverage that protects your personal information in the digital medium.
Learn more about cybercrime and how to counter cybercrime here. (Note: Link to this Page https://westphalian.com.au/wp-content/uploads/2021/10/Emergence-Insurance-Whitepaper-Personal-Cyber-Insurance.pdf )
What Personal Cyber Insurance Covers
You may be able to mitigate your own risk from cybercrime with antivirus software, credit-monitoring services and identity theft insurance. But it’s not a fool proof defence and it won’t cover your direct financial losses like fraudulent credit card charges, private tutoring due to cyberbullying or reimbursement if you need to pay a ransom to recover your hijacked personal files.
If a thief runs up your credit card bill, you could be liable for the charges. If the fraudulent charges were due to an online fraud, a personal cyber insurance policy could help cover some of these expenses.
Financial losses
Cyber threats like identity theft, online scams, and cyber extortion can leave you facing unexpected expenses. Westphalian helps you access personal cyber insurance that covers direct financial losses resulting from these incidents. We work with trusted insurers to tailor cover that includes reimbursement for stolen funds, legal fees, and recovery services, giving you peace of mind when facing complex digital threats.
Data breach expenses
If your personal data is compromised in a cyber event, Westphalian connects you with policies that cover essential response costs. These may include forensic IT investigations, notifying affected parties, legal consultation, and restoring lost data. We help make the claims process smooth while ensuring you're supported through every stage of the breach recovery.
Cyberbullying expenses
Cyberbullying can have real emotional and financial consequences. Westphalian offers access to insurance solutions that cover costs such as counselling sessions, temporary relocation, legal advice, and digital forensic analysis to trace and stop the abuse. We help individuals and families deal with such incidents quickly and with the necessary professional support.
Smart home device-related incidents
Smart homes are convenient but also vulnerable to cyberattacks. Westphalian can arrange insurance cover for damages caused by breaches in connected devices like smart locks, cameras, lights, or alarms. If your home network is compromised, your policy can help with recovery expenses, device replacement, and professional tech support to prevent future attacks.
Online account takeover or compromise
Online banking, emails, and social media accounts are key parts of daily life, but they’re also common targets. Westphalian helps clients access cover that protects against financial loss and privacy breaches caused by unauthorised access to these accounts. The insurance includes cost recovery for lost funds and professional support to secure accounts and digital identity.
SIM swapping incidents
SIM swapping is a growing cybercrime where hackers take control of your phone number to access bank accounts, emails, or apps. Westphalian connects you with insurance that covers losses caused by these scams. You’ll be supported with financial reimbursement and guidance to recover control over your accounts and prevent further identity misuse.
Cyber Insurance for Individuals and Families to protect them from the following:

Cyber extortion (Ransomware)
Westphalian helps to protect your family from cyber extortion by offering cover that manages ransom demands, recovery costs, and expert IT assistance. If you are targeted by ransomware, we ensure you are not left facing the consequences alone. Our brokers work with trusted insurers to provide the right protection when it matters most.

Identity theft
Identity theft can have long-lasting financial and emotional impacts. Westphalian provides tailored cover to support recovery, including legal fees, lost wages, and restoration of personal records. We help you respond quickly to minimise damage and guide you through the claims process with experienced support.

Personal financial loss
Whether it is due to phishing, online fraud, or hacked accounts, Westphalian connects you to insurance options that reimburse direct financial losses caused by cyber incidents. We help you choose a policy that covers unexpected expenses and ensures you have the support needed to recover confidently.

Cyberstalking
Cyberstalking can lead to distress and safety concerns. Westphalian sources provide access to legal advice, personal security support, and costs related to relocating if needed. We ensure your policy addresses modern digital threats with care and complete discretion for you and your loved ones.

Hacking/crimeware
Hacking or crimeware incidents involve unauthorised access to your devices or online accounts. The cover includes forensic investigation, removal of malicious software, account recovery, and loss reimbursement. Support may also include assistance in strengthening future digital security.

Cyber Harassment and Reputation Cover
Reputation damage online can result from false claims, doxxing, or defamatory content. Insurance can help with the cost of hiring public relations professionals, legal action, and content removal services. Support is also provided to monitor and repair online profiles and social presence. This insurance supports legal action, digital reputation repair, and PR services.

Cyberbullying
Cyberbullying can affect children and adults alike. Westphalian provides cover that includes counselling, digital forensics, and, if necessary, relocation support. We help families access insurance that prioritises emotional wellbeing and legal protection in the face of harmful online behaviour.

Wage Replacement Benefit
When a cyber event disrupts your ability to work, Westphalian can help you secure insurance with wage replacement benefits. This cover supports you financially during recovery, ensuring that your income continues while you deal with identity theft, cyber extortion, or digital fraud.
Premiums start from $99 for you and your family.
Personal Cyber Insurance Information
Who is Emergence Insurance?
Emergence is an award-winning underwriting agency, exclusively focused on providing flexible, innovative insurance solutions to help protect Australian businesses and families against cyber risks. Learn more about Emergence and their personal cyber protection insurance here.
What is personal cyber insurance?
The cybercrime landscape is changing fast. Today, families and individuals, not just businesses, face significant cyber threats. Personal cyber insurance can help those who want to safeguard themselves in the event of cyber risks.
Who is personal cyber insurance designed for?
Individuals who use their home IT and internet connected smart devices for personal reasons. Cover extends to family members residing with you at the home address. It covers you, your family, identity, reputation, money and time when a cyber event occurs.
What can personal cyber insurance cover?
Type of Cover | Potential Benefits |
Cyber event cover | Provides payment of cyber event response costs from the following cyber events:
Cyber event response costs means the reasonable costs agreed to by Emergence including:
|
Cyber bullying cover | Provides payment of additional benefit including:
|
Reputation cover | Pays repair to e-reputation costs necessitated by harmful publication. Pays legal costs incurred in connection with:
|
Cyberstalking cover | Provides payment for cyberstalking response costs including:
|
Identity theft cover | Provides payment for identity theft response costs including:
|
Personal crime cover | Provides payment of a personal financial loss to you arising out of:
Pays wage replacement benefit required to respond to cyber theft or sim-jacking. |
View a copy of the Policy Coverage Summary here.
View a copy of the important information & policy wording here.
What doesn't personal cyber insurance cover?
Personal cyber protection insurance policy with Emergence does not cover:
- Facts or circumstances discovered by or known to you before policy inception.
- Third party liability, defence costs, bodily injury or property damage.
- Use of home IT for business or commercial activity or with respect to properties you lease to others.
What does personal cyber insurance cost?
Personal cyber protection insurance with Emergence can costs as little as $11 per month. Click here for a comprehensive Premium Calculation table.
Where can I get more information on eSafety in Australia?
You can visit the Australian Government’s eSafety website at https://www.esafety.gov.au/. The website has resources and training for parents, teachers, children and teenagers.
Statistic sources
1 Cybercrime in Australia July to September 2019, 2019, Australia Cyber
2 Trends & Issues in crime and criminal justice: The identity theft response system, 2020, Australia institute of Criminology
3 Trends & Issues in crime and criminal justice: The identity theft response system, 2020, Australia institute of Criminology
4 Targeting scams 2019, 2020, The Australian Competition and Consumer Commission
5 Cyberbullying, 2017, eSafety Commissioner
Safeguard yourself and your family from damages cyber crime
Personal Cyber Insurance Claim Examples
Ransomware virus
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 $10,000.
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 would be appointed to remove the malware and get Sarah’s computer operational again.
Identity Theft
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 would also provide identity theft response costs to help the policyholder re-establish 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.
Cyber crime
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 that could not be recovered.
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 policyholder’s home IT.
Cyberbullying
Claim Scenario
Jess just started high school. Within the first few weeks, she became a victim of 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 would also cover the costs to try to remove the hurtful comments. 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.
Smart device attack
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 would appoint a forensic IT investigator to assess the Google Hub system, remove malware and secure Tom’s device from further attacks.
Cyber harassment and reputation cover
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 would 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 would also provide cover for legal costs to advise Carla what legal remedies she may have and the steps she could take in response to this incident.
Example | Claim Scenario | Personal Cyber Solution |
Ransomware virus | 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 $10,000. | 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 would be appointed to remove the malware and get Sarah’s computer operational again. |
Identity theft | 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. | Provides cover for cyber event response costs to remove the virus, restore data, and secure the home IT. The policy would also provide identity theft response costs to help the policyholder re-establish 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. |
Cyber crime | 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 that could not be recovered. | 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 policyholder’s home IT. |
Cyberbullying | Jess just started high school. Within the first few weeks, she became a victim of 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 | 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 would also cover the costs to try to remove the hurtful comments. 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. |
Smart device attack | 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. | Provides cover for cyber event response costs to remove the virus, restore data, and secure the policyholder’s home IT. In this case, we would appoint a forensic IT investigator to assess the Google Hub system, remove malware and secure Tom’s device from further attacks. |
Cyber harassment and reputation cover | 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. | An IT expert would 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 would also provide cover for legal costs to advise Carla what legal remedies she may have and the steps she could take in response to this incident. |
Premiums start from $99 for you and your family.
Terms, conditions, limits and exclusions apply to the product(s) referred to above. Product(s) can be purchased through us. Emergence Insurance Pty Ltd “the underwriter” (ABN 46 133 037 153, AFSL 329634) distributes the Personal Cyber Protection Insurance product as agent for the insurer, certain underwriters at Lloyd’s. Any advice provided in this document is general advice only and has been prepared without taking account of your objectives, financial situation or needs. Having regard to these, you should consider the appropriateness of the advice, Important Information and Policy Wording available here before making a decision to acquire, or continue to hold, the product.