More and more of our daily activities take place online, making us more vulnerable to cyber-attacks. Not surprisingly, cyber-based crimes and identity theft are also on the rise.

Personal cyber insurance in Canada is a type of coverage designed to protect individuals from the financial impact of cybercrime.

CMR is proud to partner with Boxx Insurance to offer their comprehensive Cyberbox Home Edition Insurance product which offers financial protection to you and your family against the effects of hacking, malware and cyber crime.

If you own a computer or any internet connected device or make any purchases or bank online you can benefit from this coverage.

FREQUENTLY ASKED QUESTIONS

What does Cyber Attack mean?

It means one of the following involving a Computing Device or Connected Home Device:

  1. Unauthorized Access or Use – meaning the gaining of access to Your Computing Device or Connected Home Device by an unauthorized person or persons or by an authorized person or persons for unauthorized purposes; or
  2. Malware Attack – meaning damage to Your Computing Device, Connected Home Device or data arising from malicious code, including viruses, worms, Trojans, spyware and keyloggers. This does not mean damage from shortcomings or mistakes in legitimate electronic code or damage from code installed on Your Computing Device or Connected Home Device during the manufacturing process

Note: Not all information can be retrieved during the restoration process and some data or personal information may be permanently lost. Restoration will be to the hardware and the software (licensed software, apps etc.). It is advised to back-up your computer on a regular basis to ensure that your information can be recovered and restored.

What does Cyber Fraud mean?

Cyber Fraud means any of the following, when such event results in direct financial loss to an Insured:

  1. An Identity Theft;
  2. The unauthorized use of a card, card number or account number associated with a bank account or credit account issued to or registered in an Insured’s name, when the Insured is legally liable for such use;
  3. The forgery or alteration of any cheque or negotiable instrument;
  4. Acceptance in good faith of counterfeit currency; or
  5. An intentional and criminal deception of an Insured to induce the Insured to part voluntarily with something of value.

What does Cyber Bullying mean?

Cyberbullying act means an act of harassment, intimidation, defamation, invasion of privacy, threat of violence or other similar act perpetrated wholly or partially using computers, cell phones, tablets or any similar device. Cyberbullying costs means the following costs arising as a direct result of a cyberbullying event when incurred by you within 12 months after the Cyberbullying Event is first discovered by you:

  1. Costs for counseling from a licensed mental health professional for the victim of the Cyberbullying Event;
  2. Temporary relocation expenses;
  3. Temporary private tutoring;
  4. Enrollment expenses incurred due to relocation to a similar, alternate school, but enrollment expenses do not include tuition costs;
  5. Professional cybersecurity consultation services;
  6. The purchase of mobile applications, social monitoring software and web-based products when used to prevent further occurrence of Cyberbullying Events;
  7. Legal expenses, including legal expenses for the removal of online content related to the Cyberbullying Event; and
  8. Lost wages, childcare and eldercare expenses.

What does Identity Recovery mean?

Identity recovery combines identity theft expense reimbursement coverage with full-service ID theft restoration services to save time for customers who experience identity theft.