Personal cyber insurance
Cover for money lost to phishing, scams and online fraud.
Buy at these prices through Shenton Insurance Brokers: https://shentonbrokers.com/personal-cyber
What's covered
- Money taken from your bank account, card or e-wallet by online fraud
- Transfers you were tricked into making by a phishing email or text message (which channels count differs by plan)
- Costs of putting your records right after identity theft
- On some plans: online purchases that never arrive, and ransom demands for your data
What's not covered
- Romance, investment, job and loan scams, where you were persuaded over time to send money
- Losses your bank or card issuer refunds
- Business accounts and anything to do with your trade or job
- Cryptocurrency and other unregulated digital money
How comparing personal cyber insurance works here
Tell us who to cover: just you, or you and your spouse. We show the yearly price of each plan from the insurers on our panel, from the lowest up, with what each one pays for.
When you pick a plan, use its Buy Now link. The insurer takes payment and issues the policy.
Before you choose
- Which scams count differs a lot. Every plan here pays for phishing emails and fake websites. Fake text messages and WhatsApp messages are covered on some plans only, and phone-call scams on almost none.
- Scams of persuasion are excluded. No plan here pays for romance, investment, job or loan scams, where you were talked into sending money over time.
- The limit is the most the plan pays in a year. On some plans one limit is shared by every kind of claim.
- Your bank comes first. These plans pay what your bank or card issuer does not refund.
What sets your premium
- The plan. A higher limit costs more.
- Who is covered. Some plans cover one person, some add a spouse for a higher price, and some cover the household at one price.
Age does not change the price on any plan here.
What you must do
Report a loss to the police and to your bank within 24 hours, then tell the insurer. Some plans only pay if your phone or computer had up-to-date security software, and if you checked who you were paying before you sent the money.
See prices
See the personal cyber insurance price pages.
What personal cyber insurance costs today
- One adult3 insurers price this, from S$109.00 to S$563.75 (as at 10 Nov 2026).
- You and your spouse2 insurers price this, from S$109.00 to S$1,127.99 (as at 10 Nov 2026).
Worked out today from each insurer’s current rates; a price from an insurer’s published table gives the date we read it (“as at”). Open an example to see what we assumed and every plan. Your own price depends on your answers.
Questions people ask
Does it cover every kind of scam?
No. These plans pay for fraud that reaches you through specific channels, such as a phishing email or a fake text message. Scams where you are talked into sending money over time (romance, investment, job and loan scams) are excluded on every plan here, and most exclude scams by phone call.
Won’t my bank refund me anyway?
Sometimes. Banks refund some unauthorised transactions, but often not a transfer you approved yourself after being tricked. This insurance pays what the bank does not, up to the plan’s limit.
What do I need to do to claim?
Report the loss to the police and to your bank or card issuer straight away, usually within 24 hours, then tell the insurer. Keep your devices’ security software up to date: some plans require it.