Making a Cyber Insurance Claim

What to do immediately if your business suffers a cyber incident.

🚨 Suffering a Cyber Attack Right Now?

Contact your insurer's 24/7 cyber incident hotline immediately. Do not attempt to restore systems, pay a ransom, or delete any files before speaking to your insurer.

If you're not yet insured, contact us: hello@cover4you.co.nz

Step-by-Step: What To Do When You're Attacked

1

Contact Your Insurer Immediately

Call your insurer's 24/7 cyber incident hotline. This is the single most important first step. Most policies require prompt notification, and your insurer will coordinate the entire response — don't go it alone.

2

Isolate Affected Systems

Disconnect affected computers from the network and internet to prevent the attack from spreading. Do not turn them off — this may destroy evidence needed for the forensic investigation.

3

Preserve Evidence

Do not wipe, restore from backup, or otherwise alter affected systems until the forensic team has examined them. Evidence preservation is critical both for the investigation and for your claim.

4

Do Not Pay a Ransom Without Guidance

If you've been hit by ransomware, do not pay without first consulting your insurer. They have specialist negotiators who may be able to reduce the demand or find decryption alternatives.

5

Notify Your Broker

Contact your CyberCover broker, who will help you navigate the claims process, liaise with the insurer, and coordinate the response team on your behalf.

6

Assess Privacy Act Obligations

Work with your insurer's legal team to determine whether the breach requires notification to the Privacy Commissioner and affected individuals under the Privacy Act 2020.

Insurer Contact Information

Your 24/7 breach hotline details will be on your policy schedule. Key NZ-active insurers with incident response services include:

Chubb

24/7 global cyber response

Via policy schedule

AIG

CyberEdge incident team

Via policy schedule

Zurich

NZ-based claims support

Via policy schedule

Delta Insurance

NZ specialist — rapid response

Via policy schedule

QBE

24/7 incident support

Via policy schedule

Berkley

Global incident response team

Via policy schedule

Complaints Process

If you have a complaint about how your claim has been handled, please follow these steps:

  1. First, raise the issue directly with your insurer's complaints team. They must acknowledge your complaint within 5 business days and respond within 10 business days.
  2. If unresolved, you may escalate to your broker (CyberCover / Cover4You) at hello@cover4you.co.nz
  3. If still unresolved, you may contact an approved dispute resolution scheme: Financial Services Complaints Ltd (FSCL) or Insurance & Financial Services Ombudsman (IFSO)

Vulnerable Customer Support

A significant cyber incident can be deeply stressful. If you need additional support during a claim, please let your broker know. We are committed to treating all customers fairly, including those in vulnerable circumstances.

Talk to a Specialist →