Cyber Insurance Premium Calculator
Cyber Insurance Estimate
Estimated Annual Premium-
Monthly Equivalent-
Cover Level-
Risk Assessment-
Typical Cyber Insurance Premiums 2025/26
| Business Size | £250k Cover | £500k Cover | £1m Cover |
|---|---|---|---|
| Micro (1-9 employees) | £200–£500 | £350–£800 | £600–£1,500 |
| Small (10-49) | £500–£1,500 | £900–£2,500 | £1,500–£4,000 |
| Medium (50-249) | £1,500–£5,000 | £2,500–£8,000 | £4,000–£15,000 |
| Large (250+) | £5,000–£15,000 | £8,000–£25,000 | £15,000–£50,000 |
Key Facts
Avg UK Breach Cost
£4,960
GDPR Max Fine
€20m/4%
Ransomware Rise
+67% YoY
How to Use This Calculator
1
Enter annual revenue
Your business turnover is a key factor in premium calculation.
2
Enter employee count
More employees means more potential attack vectors and higher risk.
3
Select your industry
High-risk industries like finance and healthcare pay higher premiums.
4
Choose cover level
Select the maximum amount the insurer would pay for a cyber incident.
5
Review your estimate
See annual and monthly premium estimates based on your risk profile.
Frequently Asked Questions
What does cyber insurance cover?
Typical cyber insurance covers: data breach response costs, ransomware payments and recovery, business interruption from cyber attacks, regulatory fines and penalties, third-party liability, credit monitoring for affected customers, and forensic investigation costs.
Is cyber insurance mandatory in the UK?
No, but the ICO and NCSC strongly recommend it. Some contracts and industry regulations effectively require it. Under GDPR, businesses must have adequate security measures, and insurance can be part of that.
What affects my premium?
Key factors include: annual revenue, employee count, industry sector, volume and sensitivity of data held, existing cyber security measures, claims history, and the cover level and excess chosen.
What is not covered?
Common exclusions include: known vulnerabilities not patched, acts of war or state-sponsored attacks, prior breaches not disclosed, social engineering losses (sometimes), and reputational damage that cannot be quantified.
How can I reduce my premium?
Implement strong cyber security: multi-factor authentication, regular patching, employee training, encrypted backups, incident response plan, and Cyber Essentials certification. Some insurers offer 10-20% discounts for Cyber Essentials Plus.
What is Cyber Essentials?
Cyber Essentials is a UK government-backed scheme that helps organisations protect against common cyber attacks. Certification costs around £300-£500 and demonstrates baseline security. Cyber Essentials Plus includes independent testing.
Official Sources & References
Data verified against official UK government sources. Last checked April 2026.