Premium calculation · Third-party liability
Cyber insurance
In our own estimate, the basic example costs from €32 to €39, depending on the company. From there, 2 tables with 6 bands in all raise or lower the price: the same steps at every company, at another height.
The prices are our own estimates, and they can be wrong. They are not offers or an official ranking, and we sell no insurance. The algorithm is public. Why
The prices of each company are our own estimate. They come from our own research of the market and our judgement as people of the industry. They are not a price that the company publishes. We can be wrong, and the order of the ranking is more reliable than the exact price. Only the company gives the real price, with all your details. None of the 4 companies gave us a price.
The reference case
The price of the example is the one the comparison shows for these answers: the base of each company, the rates on the sums insured, the factors and the extra covers of the example.
- Excess
- €50
- Limit for each claim
- €3,000
- The reference tier
- Basic
- €32 - €39
The tiers
The price of the basic example by tier, base and percentages on the sums insured, at the company with the cheapest and the company with the dearest estimate.
| Plan | Cheapest | Dearest | Spread |
|---|---|---|---|
| Purchases and paymentsCovers fraud in online purchases and payments. | €24Anytime | €29Eurolife FFH | +21%4 companies |
| BasicAdds identity theft and your files. · the reference tier | €32Anytime | €39Eurolife FFH | +22%4 companies |
| For the whole familyCovers the whole household, with extortion and online bullying. | €72Anytime | €87Eurolife FFH | +21%4 companies |
The factors
Every insurer has the same bands, but its own coefficients
Every figure is one table of the calculation. The two columns in each band are the cheapest and the dearest estimate for the basic example.
From × 0.88 to × 1.23 along the scale. Click a band or drag the control.
× 1.00 ±0 € × 1.00 ±0 €
The table with the figures
| Band | Anytime | Eurolife FFH |
|---|---|---|
| no excess | × 1.23 | × 1.11 |
| €50 | × 1.00 | × 1.00 |
| €100 | × 0.88 | × 0.94 |
From × 0.70 to × 1.30 along the scale. Click a band or drag the control.
× 1.00 ±0 € × 1.00 ±0 €
The table with the figures
| Band | Anytime | Eurolife FFH |
|---|---|---|
| €1,500 | × 0.70 | × 0.86 |
| €3,000 | × 1.00 | × 1.00 |
| €5,000 | × 1.30 | × 1.14 |
Extra covers
A flat price a year, unless the tier already includes it.
| Cover | Inside the tier | Cheapest | Dearest | Spread |
|---|---|---|---|---|
| Extortion by hackersThe expert who helps when someone locks your files and asks for money to open them. | Covers the whole household, with extortion and online bullying. | €7Anytime | €9Eurolife FFH | +29%4 companies |
| Income you loseThe working days you lose to sort out a stolen identity. | Covers the whole household, with extortion and online bullying. | €7Anytime | €9Eurolife FFH | +29%4 companies |
| Online bullying of a childA psychologist and a lawyer when a child of the household is bullied online (cyberbullying). | Covers the whole household, with extortion and online bullying. | €11Anytime | €13Eurolife FFH | +18%4 companies |
| A higher limit for the lawyerUp to €2,000 for the lawyer after an identity theft, instead of the €500 most policies give. | - | €5Anytime | €6Eurolife FFH | +20%4 companies |
Minimum premium: from €22 to €27 depending on the company. No price falls below its own.