Online fraud, identify theft, cyberbullying. We have the expertise. We have the solution.

From banking app losses to cyberbullying and identity theft, our digitally integrated lives are becoming more vulnerable to personal cyber-attacks.

At iTOO, we understand the complexities and intricacies surrounding cybercrime and personal cyber incidents.

In today's digital age, threats can come in many forms – from theft of funds to cyberbullying or even express kidnapping. That's why we've created the [My]CYlution policy – a solution meticulously designed to provide comprehensive coverage for both you and your family.

Why get your [My]CYlution (Personal Cyber) covered by iTOO?

Service and expertise that creates the leading solutions our changing society needs.

At iTOO our specialists understand the complexities and severe repercussions that surround personal cyber incidents. From online banking theft to cyber bullying, our  fully comprehensive cyber insurance provides cover  for your whole family. Our approach is modular, with comprehensive options that can be tailored to suit you. Alternatively, simply select from our three [MY] CYlution packages.

Mega: Theft of funds.

  • Theft of funds: reimbursement of funds lost resulting from a cyber incident or hacking of your bank account, payment cards or mobile wallet.

Giga: Theft of funds, identity theft, data restoration, cyber extortion and cyberbullying.

  • Identity theft: costs resulting from identity theft including: reporting the identity theft, re-filing rejected applications, notarising affidavits, credit and identity theft monitoring, re-issuing identity documents and lost wages.
  • Data restoration / malware decontamination: costs to restore data and software resulting from a cyber incident.
  • Cyber extortion: reimbursement of ransom payments resulting from an extortion demand.
  • Cyberbullying: costs resulting from cyberbullying or stalking including: removal of content, lost wages, trauma benefit and experts to manage and protect your reputation.

Including R5000 cover for the following:

  • Trauma Benefit: a financial payment to assist in alleviating the reasonable financial burden incurred for the treatment of emotional trauma by a licensed professional, as a direct result of cyberbullying, cyber stalking or the publication of harmful material.
  • Additional School Costs: additional costs for school fees, school uniforms and educational material should it be established by a licensed physician or psychologist that an insured child needs to be placed in an alternate school as a direct result of cyberbullying, cyber stalking or the publication of harmful material.

Tera: Theft of funds, identity theft, data restoration, cyberbullying, cyber extortion, network security, privacy & data breach liability, privacy & data breach by third party.

  • Network security liability: defence and settlement of third-party claims resulting from a cyber incident on your computer systems (including IoT devices) which causes harm to third party systems and data.
  • Privacy & data breach liability: defence and settlement of third-party claims resulting from compromised information.
  • Privacy & data breach by third party: Reimbursement of your legal defence costs against a third party resulting from a data breach.

We are different

With our [My]CYlution policy, you’re gaining access to the most comprehensive coverage available. What sets us apart are our market-first modules and the support of South Africa’s leading cyber mitigation specialists, Cyanre and Cybercom. Additionally, you’ll benefit from our exclusive Digital Risk Protection Platform, CYBER+.

Learn more about our unparalleled cover and support that comes with having a [My]CYlution policy.

iTOO your trusted partner in personal cyber protection.

Our team comprises of industry leading specialists who are passionate about educating and creating awareness around Personal Cyber-attacks. Our [My]CYlution policy is designed for the South African market and can be tailored to match your unique needs. We understand the deep sensitivities and emotional trauma that is often a consequence of a personal cyber-attack and our [My]CYlution policy includes benefits to cover trauma counselling and school relocation costs.


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How to get cover

Speak to your broker about adding [My]Cylution cover to your existing policy.

Forms & Downloads

iTOO [My]CYlution Overview

Personal cyber insurance offering.

How to claim

Your [MY]CYlution policy includes support from South Africa’s top cyber mitigation specialists, as well as access to a comprehensive Digital Risk Protection Platform CYBER+. Should you suspect an incident, contact us on 0861 555 771 and to: • Ensure that the incident is contained. • Establish the extent of the damage. • Document and capture evidence. • Provide education on preventative measures. • Advise you on security enhancements.

If you suspect any form of personal cyber attack, our emergency incident response hotline is available 24/7 on:

086 155 5771 or

[My]CYlution (Personal Cyber) Contacts


Can someone who does not live in South Africa purchase this policy?

No, policyholders must be main residents in the Republic of South Africa in order to purchase the product.

What is the definition of a child?

Any listed family members of the Insured, provided that such family members are dependent children under the age of 18.

What if I am a sole proprietor with only 1 device?

You will need a Commercial Cyber policy to protect your business and a [MY]CYlution policy for you and your family.

Why would I need this cover?

  • Banking app losses increased by more than 88% last year to an average loss of R14 253 per transaction
  • Online banking losses increased by more than 44% last year to an average loss of R32 298 per transaction
  • There are nine malware attacks occur every second in South Africa
  • South African Android mobile phones were the second most targeted in the world for banking malware
  • The average age of a cyber bully is aged 9 and approximately 58% of victims do not tell a parent or teacher
  • Someone’s identity is stolen every 2 seconds. 1 million children were victims of identity theft last year, 2/3 were aged 7 or younger and 60% were personally related to the perpetrator

How can I protect myself?

  • Don’t disclose personal information such as passwords and PINs when asked to do so by anyone via telephone, fax or even email
  • When destroying personal information, either shred or burn it
  • Don’t carry unnecessary personal information in your wallet or purse.
  • Store personal and financial documentation safely. Always lock it away (e.g., passports)
  • Don’t write down PINs and passwords and avoid obvious choices like birth dates and first names.
  • Don’t use Internet Cafes or unsecure WiFi (hotels, conference centres etc.) to do your banking
  • Use strong passwords for all your accounts
  • Change your passwords regularly and never share them with anyone else.
  • Verify all requests for personal information and only provide these when there is a legitimate reason to do so.
  • Make sure a website is encrypted before you use it for a financial transaction. Typically, you’ll see a picture of a lock in the URL field, and the URL will contain “https,” meaning it’s secure
  • Teach your children about safe internet behaviours — including how to spot potential scams and phishing attempts
  • Alert the SA Fraud Prevention Service immediately on 0860 101 248 or at if your ID documents are lost or stolen – register for credit and identity theft monitoring and obtain a case number from SAPS