CyberCovered
Claims Guide

Simple steps for a cyber insurance claim.

This page simplifies the incident response guide so you can see what is covered, who to contact, and which deadlines matter first.

Final cover still depends on your policy wording and the insurer's claim assessment, but the fastest move is always to report the incident immediately and keep every reference number.

Claims Contact

Start here first

Call iTOO
0861 555 771
Phone
Claims Contact
Candice Toprek
Email
candicet@itoo.co.za
Email
First Actions

What to do straight away

  • Call iTOO as soon as you discover the incident.
  • Keep screenshots, emails, receipts, bank messages, and any proof of what happened.
  • If money was lost, report it to your bank, card issuer, payment provider, or mobile wallet company within 48 hours.
  • If the claim requires a police report, get an A-1 statement and a crime reference number within the stated deadline.
  • Where reimbursement is relevant, get written proof if the bank, payment provider, or other third party is not paying you back.
48 hours

Payment provider reporting

Required for theft of funds and online shopping fraud claims.

72 hours

Most police reports

Applies to theft of funds, identity theft, online shopping, and express kidnapping after release.

7 days

Cyberbullying or cyberstalking report

Written evidence and a police A-1 statement are required.

Incident Types

What may be covered and what you need to do

Each card below reduces the response guide into the essentials so you can move faster during a stressful incident.

Claim Type

Theft of Funds

Direct financial loss after unauthorised access to your online bank account, credit card, debit card, or mobile wallet, including phishing and email spoofing where you were an innocent victim.

What You Need To Do
  • Call iTOO on 0861 555 771.
  • Report it to your bank or mobile wallet company within 48 hours.
  • Provide written proof if the bank or mobile wallet company is not reimbursing you.
  • Report it to the police within 72 hours and get an A-1 statement plus a crime reference number.
Claim Type

Identity Theft

Recovery costs such as lost income for time off work, credit or loan reapplication costs, document certification, calls and postage, up to six months of credit monitoring, and reissuing the identity document used in the fraud.

What You Need To Do
  • Call iTOO on 0861 555 771.
  • Report it to the police within 72 hours.
  • Get an A-1 statement and a crime reference number.
Claim Type

Data Restoration and Malware Decontamination

The cost of an IT expert to clean malware, restore your data and software, and replace computer parts if that is necessary.

What You Need To Do
  • Call iTOO on 0861 555 771.
  • Allow the appointed experts to restore your data and software to the pre-incident state where possible.
  • Allow the experts to clean and restore the affected computer system, data, and electronic media.
Claim Type

Cyberbullying and Cyberstalking

Costs to remove online content, lost income, legal costs, reputation management, trauma counselling, and the expense of moving your child to a different school if needed.

What You Need To Do
  • Call iTOO on 0861 555 771.
  • Provide written evidence of what happened, where the content was posted, and who received it.
  • Report it to the police within 7 days of discovery.
  • Get an A-1 statement and a crime reference number.
Claim Type

Cyber Extortion

IT expert costs to validate the demand and try to restore your systems and data. If needed, the ransom demand and other reasonable resolution costs may also be covered.

What You Need To Do
  • Call iTOO on 0861 555 771.
  • Do not make a ransom payment unless it is lawful and approved in writing beforehand.
  • Notify the relevant law enforcement authorities.
Important: Any ransom payment must be lawful and have prior written consent.
Claim Type

Online Sales and Shopping

Financial loss where goods or services bought online for your personal use are not delivered or not provided.

What You Need To Do
  • Call iTOO on 0861 555 771.
  • Show that you made reasonable attempts to resolve the issue with the seller or third party.
  • Report the fraud to your card issuer, payment service provider, bank, or other relevant entity within 48 hours.
  • Provide written proof if they are not reimbursing you.
  • Report it to the police within 72 hours and get an A-1 statement plus a crime reference number.
Claim Type

Express Kidnapping

The value of the money or property surrendered by the victim in exchange for release.

What You Need To Do
  • Call iTOO on 0861 555 771.
  • Keep the existence of this insurance as restricted as possible.
  • Provide proof of cash withdrawal where relevant.
  • Report it to the police within 72 hours of release and get an A-1 statement plus a crime reference number.
Important: The claim is limited to the actual value surrendered. Foreign currency is paid at the central bank exchange rate for the day the money was handed over.
Claim Type

Network Security Liability

IT investigation costs, legal costs, and settlements that arise from a network security incident.

What You Need To Do
  • Call iTOO on 0861 555 771.
  • Provide all relevant details and reference numbers.
Claim Type

Privacy and Data Breach Liability

IT investigation costs, legal costs, and settlements that arise from a privacy or data breach claim against you.

What You Need To Do
  • Call iTOO on 0861 555 771.
  • Provide all relevant details and reference numbers.
Claim Type

Privacy and Data Breach by Third Party

Legal costs to seek damages from the company your personal information was stolen from.

What You Need To Do
  • Call iTOO on 0861 555 771.
  • Provide all relevant details and reference numbers.
Need Help

Speak to claims before you miss a deadline.

If you are unsure which incident type applies, contact iTOO immediately and keep your police references, bank responses, screenshots, and written evidence together.

Call 0861 555 771Email Candice Toprek