NGI Home Insurance with Cyber Protection

That’s where NGI Home Insurance with Cyber Cover steps in. It protects not just your house and belongings, but also your digital life. Whether it’s someone stealing money from your account, your child facing cyberbullying or your home Wi-Fi being hacked — this policy has you covered.

About National General Insurance Company (NGI)

National General Insurance Company (NGI) is one of the trusted insurance providers in the UAE. It has been serving individuals, families and businesses for many years. NGI is backed by strong partners and is listed on the Dubai Financial Market, which means it follows high standards and is financially reliable.

NGI offers a wide range of insurance services — from health and motor to travel, home and more. What makes NGI stand out is its focus on both protection and simplicity. They make insurance easy to understand and accessible, ensuring customers feel confident in their coverage.

The company is also quick to adapt to modern needs. As life becomes more digital, NGI has introduced new solutions like cyber protection to help people stay safe online. NGI offers strong support and local service by protecting your home, your health or your digital identity.

What is NGI Home Insurance with Cyber Protection?

NGI Home Insurance protects your home and everything inside it, like furniture, electronics, personal items and more. It also covers you if someone gets hurt on your property or if your home is damaged by fire, water or other unforeseen events.

But NGI has gone a step further by adding something more — Cyber Protection.

This is an extra layer of insurance that helps you if you or your family are affected by cybercrimes. These are problems that happen online like someone stealing your identity, hacking your home internet, scamming you through fake websites or even bullying your child on social media.

So with this policy —

1. Your house is protected.
2. Your belongings are protected.
3. Your online life is also protected.

You can buy this cyber cover as an add-on to your home insurance or even as a standalone product. It’s available for individuals and families living in the same house.

This makes NGI’s plan one of the few in the UAE that protects both your physical home and your digital world — all in one simple policy.

Features of the Cyber Protection Add-On

NGI Cyber Protection add-on helps you deal with online risks that can affect your money, your identity, your family and even your reputation.

Here are the key features —

Type of Risk	What NGI Covers with Cyber Protection
Identity Theft	Help with recovering your stolen identity, legal fees, lost wages, and replacing IDs or passports
Cyberbullying	Pays for counselling, legal help, school change expenses and even removal of harmful online content
Online Fraud	Covers direct financial losses from scams like fake websites or shopping fraud, if reported to police
Unauthorised Bank Transfers	Reimburses money taken from your bank through hacking or card fraud
Cyber Extortion	Covers expert help if someone tries to threaten or blackmail you online
Internet of Things (IoT) Attacks	Pays for fixing or recovering smart home devices affected by malware or hacking
Home Network Monitoring	Scans your home internet and smart devices for any weaknesses or threats
Data Scrubbing	Helps remove your personal data from public websites and data broker lists to stop spam and scam calls

💡 Other Useful Features

1. Multiple Coverage Limits: Choose between USD 6,000 to USD 25,000 depending on how much protection you want.
2. Flexible Premiums: Starts as low as USD 9 per year and goes up based on the coverage amount.
3. Zero Deductibles: You don’t have to pay anything out of pocket when you make a claim.
4. Covers the Whole Household: Everyone in the same home — including children, parents, and in-laws — is protected.
5. Seamless Support: Easy claim process with a UAE-based helpline in English and Arabic.

Eligibility Criteria for NGI Home Insurance with Cyber Protection

NGI Cyber Protection Add-On is made to be simple and inclusive. Given below is the eligibility criteria —

✅ Who Can Apply

1. Anyone who already has NGI Home Insurance can add this cyber protection
2. You can also buy it on its own, even if you don’t have home insurance with NGI

👨‍👩‍👧‍👦 Who Is Covered Under the Policy

The policy covers —

1. The main insured person who buys the plan.
2. Family members living in the same household. This includes:
   • Spouse
   • Children
   • Parents
   • Parents-in-law

🌍 Where It Applies

1. The coverage applies anywhere in the world, not just in the UAE. So if you face a cyber problem while traveling, the policy will still protect you.

📋 Other Points to Know

1. Coverage is only for personal and household use. Business-related cyber risks are not covered.
2. Claims must be reported within 90 to 120 days of the incident, depending on the type of claim.

The cyber protection add-on from NGI covers a wide range of online threats. Below is a breakdown of what’s included in the policy — explained in simple terms with real-life examples.

What is Covered in NGI Home Insurance with Cyber Protection?

Let’s take a look at the key inclusions of NGI Home Insurance with Cyber Protection — 

1.)🧾 Identity Theft

If someone steals your identity (like using your name or ID to open a bank account or take a loan), NGI helps cover —

• Legal fees
• Lost wages
• Cost to replace documents like passports, licenses or credit cards
• Credit reports and monitoring
• Travel or childcare needed to fix your records
• Help from a certified accountant if needed

Example: Someone uses your Emirates ID to apply for a loan. NGI pays for legal help, credit report correction and lost income if you take time off to fix the issue.

2.)💻 Cyberbullying

If you or a family member is harassed or bullied online, NGI covers —

• Counselling sessions
• Legal help
• Digital forensic experts to find the bully
• Costs for school relocation if needed
• Content removal from websites
• Lost wages due to stress or absence from work

Example: Your teen is bullied on social media. NGI pays for therapy, school transfer costs and removing harmful posts from the internet.

3.)💰 Unauthorised Electronic Fund Transfers

If someone hacks your bank account or card and steals money, the policy pays back your actual loss as long as —

• It was truly unauthorised
• You report it within 90 days

Example: Your debit card is cloned and used to make online purchases. NGI covers the amount that was stolen. This will help you recover your lost funds and avoid financial stress. 

4.) 🛒 Online Fraud

Covers loss from online scams, including —

• Fake shopping websites
• Investment frauds
• Phishing emails

Example: You buy something from a fake website and never receive it. NGI pays you back the loss, provided you report it to the police.

5.)🔒 Cyber Extortion

If someone threatens to leak your data or blocks your device unless you pay them, NGI will —

• Pay for an expert to help you respond
• Cover costs related to the extortion threat

Example: A hacker locks your laptop and demands money. NGI pays for an expert to unlock it and handle the threat.

6.)📶 Internet of Things (IoT) Compromise

If a smart device at home (like a smart TV, baby monitor, or camera) is hacked —

• NGI pays for data recovery and system repair

Example: Your smart camera is hacked and stops working. NGI pays to restore the system and secure it again.

7.)🌐 Home Network Monitoring

This is a preventive feature. When activated —

• NGI scans your home Wi-Fi network
• You get a report on any risks or issues with connected devices

Example: You receive a report showing that your Wi-Fi password is weak and one smart plug is exposed to threats.

8.)🧹 Data Scrub

Helps remove your personal details (like name, phone number and email) from —

• Public websites
• Data broker lists

Example: NGI works with service providers to delete your information from websites that collect and sell data.

Note: All of the above coverages are available in plans with limits ranging from USD 6,000 to USD 25,000. The best part? There is no deductible — meaning you pay nothing extra when making a claim.

What is Not Covered in NGI Home Insurance with Cyber Protection?

While NGI’s cyber insurance add-on covers many online threats, there are certain cases where the policy does not apply. These are the situations where no claim will be paid.

Here’s what’s excluded from coverage under this plan —

1. ❌ Fraud by You or Your Family: If you or your family member was involved in a dishonest or illegal act like faking a loss or helping with the fraud — the claim will be rejected.
2. ❌ Late Reporting: If you don’t report the incident to NGI within 120 days of when you first noticed it, the claim won’t be accepted.
3. ❌ Business Use: The policy is only for personal and home use. Any loss from business-related activity is not covered.
4. ❌ Voluntary Sharing of Passwords: If you shared your PIN or password willingly and the loss happened because of that, it won’t be covered.
5. ❌ War and Political Risk: Any loss caused by war, rebellion or civil unrest is excluded.
6. ❌ Pollution or Nuclear Events: Any cyber loss caused by pollution, radiation or nuclear material is not included.
7. ❌ Government Action: If a public authority, like the police or court, legally seizes your devices or data, that is not covered.
8. ❌ Physical Injuries: The policy does not cover injuries, illness, or death — even if they result from a cyber event.
9. ❌ Family Member’s Wrongdoing: If the cyber incident was caused by a family member who lives with you (like a spouse or child) and they knew or were involved, the claim is not covered.

Terms & Conditions – At a Glance

Term	What It Means
Policy Period	Valid for 1 calendar year. Ends on expiry or earlier if cancelled.
Coverage Area	Protection applies worldwide, not limited to the UAE.
Reporting Deadlines	Report incidents within: 90 days for fund theft 120 days for other events
Legal Jurisdiction	All disputes are handled under UAE law and in UAE courts.
Proof of Loss	You must submit documents (e.g. police report, bank records) to support claims.
Misrepresentation or Fraud	If you lie or hide facts, NGI can cancel your policy and deny the claim.
Duplicate Coverage	If you have more than one NGI policy, NGI pays only once for the same loss.
Assignment	You cannot transfer the policy to another person without written approval.

Claim Process of NGI Home Insurance with Cyber Protection

If something goes wrong online, like a hacked account, stolen money, or cyberbullying, NGI makes it easy for you to report the issue and get the help you need. Here’s how the claims process works — 

📝 Step-by-Step Claims Journey

Step	What Happens
Incident Happens	You face a cyber issue (e.g. identity theft, fraud, bullying).
Contact Support	Call NGI’s customer support helpline (English and Arabic available).
Submit Details	Explain what happened. They’ll ask for documents or a brief intake form.
Guidance Given	NGI tells you what support you can get and how to move forward.
Review & Decision	NGI checks if the claim matches the policy terms and conditions.
Claim Approved	If valid, your claim is approved and prepared for payment.
Payment Released	You receive the payment or support services as agreed.
Case Closed	NGI provides any final assistance and closes the case.

Frequently Asked Questions