Comparing the Best Cyber Insurance Companies for 2025

What to look for in a cyber insurance provider

Not all insurers handle cyber risk well. If you're comparing providers, focus on what will matter when a breach actually happens.

You must look out for the following: 

• FCA approval and strong reputation: The provider should be UK-regulated and financially stable. You want reliability at claim time.
• Cover that fits your business: The policy should match your size, risk, and sector. Check the limits, options, and exclusions.
• Clear, fast claims support: You should know who to contact and what to expect. No delays, no confusion.
• Real cyber expertise: The provider should understand how breaches happen. Generic insurers may miss key risks.
• Simple, clear policy wording: You should be able to read and understand your cover. No legal fog or buried exclusions.
• 24-hour incident response: Top insurers provide access to dedicated breach support teams. That includes legal, forensic, and comms help when you need it.

Top cyber insurance providers in the UK

Cyber insurance isn’t one-size-fits-all. We’ve reviewed the top cyber insurance in the country so you can compare features, pricing, and support and find the right fit for your business.

Superscript

Superscript is an online-first UK insurer offering flexible cyber cover for small businesses. It provides instant quotes, monthly payments, and custom limits, making it ideal for freelancers and startups using digital tools.

Key features

• Fully digital setup with same-day cover
• Monthly or annual payment options
• Add-ons for social engineering and business interruption
• FCA-regulated and backed by major underwriters
  

What to consider:

• May not support complex or high-risk industries
• Some exclusions on the cyber insurance require careful review

Starting price: From £17 per month

Best for: Freelancers, sole traders, digital agencies, and cloud-based SMEs

Hiscox

Hiscox is a trusted UK insurer with strong SME credentials. Its cyber policy covers breach response, ransomware, regulatory support, and third-party claims. Known for good claims handling and strong legal defence.

Key features:

• Cover for ransomware, legal costs, and notification obligations
• 24/7 breach support
• Optional PR and reputation management
• Offers custom limits and sector-specific guidance

What to consider:

• Add-ons can increase cost quickly
• Exclusions should be checked closely at setup
  

Starting price: From £20 per month

Best for: Professional service firms, ecommerce retailers, and regulated SMEs

Markel

Markel provides specialist cyber cover for consultants, legal firms, and professional services. Its policy focuses on liability, privacy breaches, data restoration, and compliance support. Includes access to training and a legal helpline.

Key features:

• Strong data protection and liability focus
• Legal advice line for policyholders
• Add-ons for social engineering and system interruption
• Employee cyber awareness tools included

What to consider:

• Requires broker setup for most quotes
• Not a fit for very small or tech-heavy firms

Starting price: Custom quotes only (usually £400–£1,200 annually for SMEs)

Best for: Consultants, accountants, legal professionals, and data-heavy service firms

AXA

AXA is a major UK insurer offering cyber cover through brokers. Its policies suit traditional SMEs looking for bundled protection alongside other business insurance lines.

Key features:

• Covers breach response, data recovery, legal costs, and income loss
• Can be bundled with public liability or PI
• UK-based claims support and risk advice

What to consider:

• Broker-led only, and no instant quotes
• Not optimised for digital-first firms
  
  

Starting price: Custom quotes via broker (starting from ~£500+ per year for SMEs)

Best for: SMEs with existing AXA cover or those preferring a broker relationship

Aviva

Aviva offers cyber insurance through brokers, designed for mid-sized and larger businesses. It provides strong core cover with add-ons for digital business risks.

Key features:

• Covers data breaches, legal defence, and recovery
• Option to extend for PR, income loss, and supplier risk
• Integrates easily with wider Aviva business policies

What to consider:

• Not designed for startups or micro firms
• Less flexible if bought as part of a bundle

Starting price: Custom pricing via broker (mid-range to high for regulated sectors)

Best for: Growing SMEs and larger businesses using Aviva for other policies

Tokio Marine HCC

Tokio Marine HCC provides cyber cover with strong underwriting for international risks. Best suited to businesses with complex systems, supply chains, or exposure across regions.

Key features:

• Includes system failure, data loss, and dependent business interruption
• Support for social engineering and fraud risks
• Global claims handling and legal recovery support

What to consider:

• Not aimed at very small UK firms
• The quote process may take longer due to risk profiling

Starting price: Custom quotes based on business profile

Best for: Manufacturers, tech firms, and global operations

QBE

QBE specialises in cyber cover for regulated industries. Its policies offer strong protection for data breaches, legal exposure, and regulatory fines.

Key features:

• Covers liability, breach response, and compliance risks
• Focused underwriting for legal, healthcare, and financial firms
• Includes access to risk engineers and breach support
  
  

What to consider

• Limited self-serve options work best through brokers
• Premiums may be higher for high-risk profiles
  

Starting price: Custom quotes for regulated firms.

Best for: Firms handling sensitive or regulated client data

Travelers

Travelers offers cyber insurance as part of bundled cover packages. It's a good choice for mid-sized businesses seeking cyber protection alongside PI or cyber liability insurance.

Key features:

• Covers system compromise, media liability, and third-party claims
• Well-integrated with other business lines
• Offers in-depth claim and incident support

What to consider:

• May be restrictive for standalone cyber-only buyers
  
• Broker interaction is usually required
  
  

Starting price: Custom, varies by cover bundle

Best for: SMEs wanting an all-in-one insurance through one provider

Zurich

Zurich provides cyber cover with a focus on incident prevention and recovery. Known for supporting businesses with mature systems and internal controls.

Key features:

• Covers cybercrime, recovery, and third-party liability
• Includes training tools, risk checklists, and 24/7 incident access
• Global support with UK-based claims operations

What to consider:

• Entry requirements are higher, best for firms with internal IT or compliance teams
• Not a fit for micro businesses or those needing off-the-shelf cover
  
  

Starting price: Custom quotes, generally mid to high tier

Best for: Established businesses with structured cybersecurity in place

Cyber insurance companies at a glance

Use it to compare key providers side by side, including who they suit, their charges, and how they support you in the event of incidents.

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How to choose the right cyber insurance provider for your business

The right provider protects you against the risks you face, responds fast in a breach, and makes the claims process clear from day one.

Check the following before you buy:

• Regulation and reputation: Only use FCA-regulated providers with a strong UK claims record. Read broker feedback and independent reviews, not just marketing material.
• Cover that matches your risks: Match the policy to your business size, sector, and risk profile. If you store sensitive data or depend on cloud tools, confirm these are covered.
• Clear claims process: Ask who you contact, how quickly they respond, and what happens after a breach. Good providers can give recent claim examples.
• 24/7 breach response: Cyber incidents don’t wait for office hours. Look for round-the-clock legal, forensic, and PR support.
• Sector knowledge: Providers with experience in your industry can anticipate common threats and compliance needs.
• Straightforward policy wording: The terms should be clear. Avoid policies with vague definitions or exclusions that could block a payout.