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Cyber insurance

Would your cyber insurance actually pay out?

Six honest questions, about two minutes. Find out whether a claim could be refused over a box you did not tick, or a control you do not really have, plus how to make your cover solid. No jargon.

Microsoft Partner Cyber Essentials Certified 20+ years, plain English Fixed price, no lock-in
Why claims get refused

Most refused claims come down to a few avoidable things

A policy is not the same as a payout. When a claim is questioned, it usually comes back to one of three gaps, none of them dramatic, all of them fixable before they ever cost you.

The missing login

A control your policy assumed you had

82% of denied cyber-insurance claims in 2025 involved companies without full multi-factor login. If it is switched off anywhere your policy expects it on, that is the first thing an insurer points to.

The form that was not true

Answers that did not match reality

Insurers have voided claims because the application form said a control was in place when, on the ground, it was not. The wording is yours to stand behind, so it needs to be true, not hopeful.

The unsupported box

Old software the policy quietly excludes

An old server or a Windows 10 machine running past its support date is a common get-out clause. The kit does not have to be the way in for the claim to be challenged.

Who is behind this

The straight version, from the person you would actually deal with

Eric, HiltDigital
"Most owners don't want a lecture about controls. They want to know one thing: if the worst happened, would the policy they pay for every year actually pay out. That is all this is. I look at what your cover assumes you have, check it against what is really switched on, and tell you straight where the gaps are. I have spent twenty-plus years doing exactly that for places with a lot more than a premium on the line, so yours is very doable. No jargon, no scare tactics, no quote padded with kit you do not need."
Eric, HiltDigitalI will be the one you actually talk to . 20+ years sorting this out
Microsoft Partner Cyber Essentials certified (we hold the cert we help you pass) UK registered company Fixed prices, plain English
If you want certainty, not just a score

Cyber Insurance Readiness Review

  • A proper look at the controls your policy actually needs, against what you really have switched on
  • Your insurance form answers checked so they are true on the ground, not just hopeful
  • The common get-out clauses closed off, so a claim cannot be waved away on a technicality
  • Evidence you can show your insurer if you ever have to make a claim
  • A clear, plain-English plan you keep, whoever ends up doing the work
Cover that would
actually pay
The position to be in: every policy condition met and provable, so a claim is a formality instead of an investigation. The gaps are usually small once they are named.
Book a 15-min call
Start with the call. The review only follows if it is genuinely worth it for you.
Straight answers

The questions we get asked first

Because a policy is a promise to pay if certain things were true. Most refused claims are not refused on a whim, they are refused because a control the form named was not actually in place, or lapsed at some point. Having cover and having cover that would pay out are two different things. This check is about the second one, while there is nothing to claim for and everything is easy to put right.
It is the single biggest one. 82% of denied cyber-insurance claims in 2025 involved companies without full multi-factor login, so getting it switched on everywhere your policy expects it removes the most common reason cover is voided. But it is not the only clause. Unsupported software, untested backups and answers that did not match reality all show up too. The point of the six questions is to find which of those applies to you, not to assume.
That is the most common starting point, and exactly what the review sorts out. Cyber policy wording is dense and the "conditions precedent" are easy to miss. We read what yours assumes you have, check it against what is really switched on, and tell you in plain English where they do not match. You do not need to understand the small print before we start, that is the job.
Because you are paying for a clear answer, not for hours on a clock. The fixed fee is for someone to read your cover, check it against reality and hand you a plan you own, with the gaps named and the order to fix them. If work to close those gaps follows, it is scoped openly from the review, never assumed and never padded.