Will Your Cyber Insurance Actually Pay Out?
Most UK businesses are covered. Insurers disagree. Take our free cyber insurance risk audit. It takes just 8 minutes to find out if your controls meet the standard before you need to make a claim.
Why Your Cyber Insurance Pay-out Is at Risk in 2026
In 2025, the insurance landscape shifted: it is no longer just about having a policy, but about maintaining continuous compliance. Recent data shows that nearly 40% of SMB cyber insurance claims now face “sub-limiting” or “dynamic rescission” – where insurers drastically reduce or deny pay-outs because a critical security control was found to be inactive during the incident. This audit evaluates your organisation against the rigorous active defence standards that 2026 insurers use to determine whether you have earned your pay-out.
Cyber insurance underwriters now apply a checklist of minimum security requirements at renewal and at claim time. If your organisation cannot demonstrate those controls were active and documented, your cyber insurance policy may not pay out – regardless of how long you have held it or how much you have paid in premiums.
The seven control areas insurers check every time:
- Multi-factor authentication (MFA) – on email, VPN, and admin accounts
- Endpoint detection and response (EDR) – active on all devices, not just antivirus
- Patch management – operating systems and software patched within 14 days of critical releases
- Tested backups – offsite or immutable, verified to actually restore
- Access controls – least-privilege permissions, no shared admin credentials
- Incident response plan – documented, communicated, and rehearsed
- Security awareness training – staff trained to identify phishing and suspicious emails
This audit checks your organisation against each of these areas using the same criteria cyber insurers apply. It takes around 8 minutes and you will receive your results by email immediately.
Spot the Gaps Insurers Target
Identify the control weaknesses insurers use to reduce or reject claims.
Score Across 7 Control Areas
Get a clear pass/fail score covering MFA, EDR, patching, backups, access controls, incident response, and security awareness.
Know Exactly What to Fix
Receive a plain-English action list showing what to prioritise and why.
Book a Free Expert Review
If your score needs work, our team will review it for free and tell you what it costs to fix.
How the Cyber Insurance Risk Audit Works
Industries We Support
We provide IT support and cybersecurity for a broad range of London-based organisations – each with its own challenges, compliance needs, and pace of change. Our team adapts our managed services to fit the operational realities of every sector we serve, including:
- Financial Services and IFAs – regulated environments requiring compliance and data protection.
- Insurance – secure systems, cloud access, and data resilience.
- Property and Asset Management – mobile working, system integration, and data integrity.
- Professional Services – legal, accounting, and consultancy firms needing performance, uptime, and client confidentiality.
- Recruitment – device management, fast onboarding, and CRM reliability.
- Hospitality and Retail – connectivity, point-of-sale stability, and multi-site support.
- Healthcare and Dental Practices – secure patient data management, compliance with NHS and GDPR standards, and reliable clinical system access.
- Construction and Building Services – mobile workforce enablement, site connectivity, and project collaboration tools.
- Not-for-Profits – cost-efficient IT that supports mission delivery and compliance.
- Education and Training Providers – secure remote learning environments and device management.
- Media and Creative Agencies – cloud collaboration and large file management.
- Scaling SMEs – We support scaling SMEs and high-growth businesses that need enterprise-grade protection and proactive IT management.
Take the Free Cyber Insurance Risk Audit
Takes around 8 minutes. Your results are emailed to you immediately.
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Common questions from UK businesses about cyber insurance requirements and how the risk audit works.
A cyber security audit for insurance purposes checks whether your IT controls meet the minimum standards cyber insurers require before they will pay out on a claim. It covers seven key areas: multi-factor authentication, endpoint detection, patch management, tested backups, access controls, incident response, and security awareness training.
It also assesses your supplier and third-party risk - insurers increasingly scrutinise your supply chain for vulnerability gaps - and your alignment with the UK Cyber Essentials framework and national cyber security standards. Organisations with Cyber Essentials accreditation typically face fewer challenges at claim time.
Cyber insurers reject or reduce claims when an organisation did not have adequate security controls active at the time of the incident. The most common reasons: no MFA on key systems, backups not tested or not offsite, no documented incident response plan, an unpatched vulnerability in software or systems, and staff with no security awareness training.
Insurers also check third-party and supplier risk - a breach originating from a supplier with inadequate security controls may not be covered if you had no process for managing that risk. Our audit identifies these gaps before they cost you.
Around 8 minutes. You answer questions across 7 control areas and receive your results by email immediately. There are no trick questions - it is designed to give you a realistic picture of where your organisation stands against current cyber insurance requirements, not to sell you something. If your score needs work, you can book a free review with our team at no obligation.
You receive a score across each of the 7 control areas, with a plain-English summary of what to fix and why. If your score needs work, you can book a free review with our team - we will tell you exactly what to prioritise, what it costs to address, and how to make your organisation genuinely insurable.
For regulated businesses, we also advise on how to document your security controls to satisfy both your insurer and your regulator, including alignment with the national cyber Essentials accreditation scheme and relevant security standards for your sector.
No. This audit gives you a rapid indication of where your controls stand relative to common insurance risk requirements and cyber security frameworks. A formal assessment involves a more detailed review with your broker or insurer, including a vulnerability assessment of your infrastructure and review of your cyber insurance policy terms.
Our audit is the first step - it tells you whether it is worth having that conversation now, or whether you need to address gaps first so you do not prejudice your coverage. For organisations seeking Cyber Essentials accreditation, the audit also highlights which areas need attention.
Yes. Your responses are used solely to generate your results report. We do not share your data with third parties or insurers. You can read our full privacy policy for details.
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Not Sure What Your Results Mean?
Our team reviews your audit score for free. We’ll tell you exactly what to prioritise, what it costs to fix, and how to make your business genuinely insurable.