Aviva strengthens cyber offering to help businesses tackle evolving threat

Aviva has refreshed its cyber proposition to keep pace with evolving risks, with enhanced cover available across both its Cyber Complete and Cyber Respond products. The update broadens Aviva’s appetite, introducing a stronger, modernised cover to support a wider range of clients as cyber threats continue to evolve.

Aviva’s latest Broker Barometer survey^[1] shows that cyber risk tops brokers’ list of concerns for SMEs, underlining the need for stronger protection as threats become more sophisticated. 

Cyber Complete modernised and simplified 

As cyber criminals adopt new methods and make use of the latest technologies, Aviva has enhanced cover and modernised wordings across its Cyber Complete product, designed to give small and mid-market organisations protection against a broad range of threats.  

The update includes clearer protection for AI driven attacks, including deep-fakes and digital impersonation. With reputational impact increasingly a concern following cyber incidents, reputational protection is included as standard, offering coordinated takedown of deepfakes, restoration of public records after corporate identity fraud, and 24/7 access to specialist support.  

Crime cover has been expanded to protect against cyber-enabled financial losses, including protection for theft of client funds and social engineering scams, supported by a refreshed Cyber Crime definition. 

Aviva has also removed outdated exclusions and simplified requirements for clients, making cover more accessible and giving businesses important clarity in the event of a claim. 

Stronger business interruption protection 

Aviva has strengthened Business Interruption protection to reflect the wide-ranging causes and consequences of disruption, whether from a direct attack or an issue in the supply chain. 

The refreshed Cyber Complete cover includes interim payments to support cash flow during recovery and operates on a Time Franchise basis, meaning that once the waiting period is met, cover backdates to the very start of the incident. 

As businesses are increasingly encouraged to consider vulnerabilities beyond their immediate perimeter, additional cover is available to address supply chain dependencies, including protection against system failure of Outsourced Service Providers. 

Expanded digital appetite 

Brokers trading Cyber Complete digitally on both Fast Trade and Acturis eTrade will benefit from a significantly expanded appetite, with indemnity limits increased from £2m to £5m, turnover doubled to £100m, and cover extended to a broader range of trades, including media risks. 

Enhanced cover for small businesses through Cyber Respond 

Aviva has also updated its Cyber Respond proposition, designed for smaller businesses and micro enterprises, with additional cover available for common threats including corporate identity fraud and telephone hacking. 

24/7 incident response, time after time 

In the event of a cyber incident, speed can be crucial to containing the threat and mitigating the consequences. Aviva customers have access to 24/7 specialist support included through Crisis Management cover, enabling affected customers to receive immediate advice in the wake of a potential incident, without triggering the policy excess.  

Both Cyber Complete and Cyber Respond are written on an Any One Claim basis as standard, with the full limit of indemnity applying to each individual claim, rather than being shared across multiple claims in the policy period. 

On both products, a single excess applies for the entire policy period, giving clients consistent protection across multiple incidents at no extra cost.  

Richard Taylor, Head of Cyber and Technology, Aviva said:  

“Cyber threats continue to evolve quickly, and it’s crucial that our proposition evolves with them. We’ve expanded our appetite and strengthened our cover to help brokers support a wider range of businesses from a growing range of threats. 

“From AI-driven attacks to disruption across the supply chain, cyber risk is a real concern for businesses of all sizes. Our updates are designed to give our clients confidence that in the event of an incident, they’ll be supported by wide-ranging and repeated protection, and a team that understands the risks of today. 

“Whilst cyber risk can appear complex and fast-moving, we’re committed to working with brokers to make it as simple as possible for businesses to stay protected.”  

-ends- 

References 

_{1. The research was conducted by Censuswide, among a sample of 250 general insurance brokers aged 18+ (all job levels/seniorities): Operating locally = 30% (n=75), Operating regionally = 40%  (n=100), Operating nationally = 30% (n=75). The data was collected between 23.01.26 - 05.02.26. Censuswide is a member of the Market Research Society (MRS) and the British Polling Council (BPC), and a signatory of the Global Data Quality Pledge. Censuswide adheres to the MRS Code of Conduct and ESOMAR principles. [↑]}

Enquiries