Computers, laptops, tablets and smart home devices can be exposed to viruses, malware, and spyware that can slow them down or render them useless. This can happen by opening an attachment from an unknown email, clicking on online ads or downloading unofficial software. If infected, you could face loss or damage to your files and systems. These are costly to repair or replace.

It doesn’t have to be for ransomware, this coverage will also pay for extortion amounts that will lead to the safe retrieval of sensitive information. Data such as contact information or photos on your cell phone or computer.

Identity theft includes everything from cheque forgery and the use of stolen credit cards to sophisticated scams in which an impostor adopts another person’s identity through personal information to gain access to their assets. Cloaked in your stolen identity, a fraudster can cash your cheques, raid your bank accounts, bilk your credit card company and even load a big mortgage on your house.

Being coerced into sending money to a criminal posing as a company or other reputable organization. A criminal obtaining your credit card or creating a new one in your name and making fraudulent charges.

With the growth of e-commerce comes the increased risk of fraudulent websites. When payment has been made, but an order has not been fulfilled, an insured’s financial loss can be covered.

All the contact information you keep electronically such as friends’ phone numbers, addresses and birthdays is a treasure trove of information for criminals. In the wrong hands, it can be used for malicious intent.

When you or a household family member receive two or more harassing, intimidating or persistent electronic communications, the coverage can help alleviate the threat by providing legal, technical and other support services

Malware infecting smart home devices

No! Please call 1-800-673-8651 and CyberClan will assist in placing credit freezes and other administrative support to rectify the situation with various authorities.

Immediately call 1-800-673-8651 and speak with a CyberClan representative who will provide assistance and ensure your reporting obligations are satisfied.

The premium is paid on an annual basis in one lump sum via credit card.

Yes. A policy can be cancelled midterm, however please be advised that 100% of the premium is fully earned and will be retained.

That depends on the “other insurance clause” in the homeowners policy. It is likely that both policies will share in the loss assuming the homeowners’ policy is not listed as “primary.”