Cyber insurance for families in Italy
Cyber insurance for families in Italy, explained in English
CyberSafe is Reale Mutua's Cyber Family Reale policy for your private life online, covering everyone on your Italian family-status certificate. Legal protection is always included. You can add refunds for stolen or cloned cards, online purchases never delivered and identity theft, liability for harm you cause online, and 24/7 IT assistance. From €50.68 a year.
From €50.68 a year legal protection only, whole household, taxes and charges included
English-speaking advice included
Every policy comes with advice in English at no extra cost: before you buy, when you read the Italian documents and when you make a claim. Call +39 0141441493, write to info@assicurazionecastellodiannone.it or book a call or visit.
What CyberSafe covers
A lawyer for disputes that start online
Always included. Lawyers, experts and court costs when you need to enforce your rights, or defend yourself, over something that happened online in your private life: a defamatory post you want removed, an online shop that does not deliver, fraudulent use of your card, identity theft, a privacy complaint. Up to €10,000 per claim and €50,000 a year, handled by ARAG.
Source: Cyber Family Reale Insurance Conditions, points 6.4 and 7.4
Stolen or cloned cards
With the Financial Loss section: withdrawals and purchases made by someone else with your stolen or cloned debit or credit cards, for the part you cannot recover after following your bank's procedures. Annual limit of €1,500 or €2,500, your choice; excess €100 per claim.
Source: Cyber Family Reale Insurance Conditions, points 16.1 A-B, 17.1 and 19.1
Online purchases and identity theft
Also in the Financial Loss section: credit-card charges for goods or services bought online and never received, or not as ordered; purchases made with your stolen login details; credit opened with forged documents in your name. Online purchases and stolen logins are covered up to 50% of the annual limit.
Source: Cyber Family Reale Insurance Conditions, points 16.1 C-D and 19.1
Harm you cause to others online
With the Liability section: damage you or your family cause to others by accident after a cyber attack, for example malware spreading from your computer, and liability for copyright, damage to someone's image, privacy breaches and sharing personal data. Up to €50,000 per claim and per year, €10,000 for each of those four extensions.
Source: Cyber Family Reale Insurance Conditions, points 11.1, 12.1 and 12.3
24/7 IT and emergency assistance
With the Assistance section, arranged by the operations centre: a technician to clean a device after a cyber attack and recover data (up to €500 per claim), a cash advance of up to €1,500 if a holiday booked online turns out not to exist, and psychological support after cyberbullying or online harassment (up to €800 a year). Each service up to 3 times a year.
Source: Cyber Family Reale Insurance Conditions, points 21.2-21.4 and 22.1
What it costs
The premium is fixed for each section and covers the whole household: it does not change with age, number of family members or the municipality you live in. Four combinations calculated on the insurer's tariff:
Legal protection only
€50.68 a year
The base section, always included.
Legal protection + financial loss
€84.02 a year
Card fraud, online purchases and identity theft with the €1,500 annual limit.
All four sections
€139.91 a year
Legal protection, financial loss with the €2,500 limit, liability and assistance.
All four, with a home policy
€125.91 a year
10% off each section if you already have a home insurance policy.
Annual tariff premiums including insurance taxes and charges, calculated by the same engine as the online quote. Paid once a year or in two six-monthly instalments.
Before you sign: limits and exclusions
Scams where you make the payment yourself
If a fraudster posing as your bank, the police or a courier persuades you to make a bank transfer, or to authorise a payment with your PIN or codes, the loss is not covered. The Financial Loss section only covers stolen or cloned cards, online purchases paid by credit card and identity theft, and excludes card payments authorised with your PIN or personal codes, except in case of robbery or extortion.
Source: Cyber Family Reale Insurance Conditions, point 16.1
Online purchases: credit card only
The refund for goods never delivered applies to charges on your credit card. Purchases paid in other ways are outside this guarantee, and indirect losses are never covered.
Source: Cyber Family Reale Insurance Conditions, point 16.1 C
Waiting period for contract disputes
Legal protection covers damage you suffer and criminal proceedings from the start date, but disputes over contracts (for example with an online shop) only after 3 months. Disputes over online purchases and with your internet or email provider must be worth at least €200.
Source: Cyber Family Reale Insurance Conditions, points 6.4.6, 6.4.7 and 7.1
Private life only
Self-employment, business activity and any activity that produces income, even occasionally, are excluded, as are tax, administrative, family and inheritance matters in legal protection.
Source: Cyber Family Reale Insurance Conditions, points 8.1 and 13.2
Family members are not third parties
Liability cover does not pay for damage caused to family members and other people living with you, nor for leaks of data you keep with third parties such as a cloud service.
Source: Cyber Family Reale Insurance Conditions, points 13.1 and 13.2
Recover first, then claim
The Financial Loss section pays what is left after you have followed your bank's recovery or disclaimer procedures and used the policy's legal protection. Notify the claim in writing within 3 days of finding out.
Source: Cyber Family Reale Insurance Conditions, points 20 and 20.1
If you have recently moved to Italy
Your household is the one on the stato di famiglia
The insured people are the policyholder and the members of their household shown on the family-status certificate (certificato di stato di famiglia) issued by your municipality's registry office (anagrafe), children under 18 included. Family members are covered only if they appear on it, so register your household as resident first.
Source: Cyber Family Reale Insurance Conditions, Glossary ("Assicurato") and point 6.2
Valid in the UK too
Legal protection covers events anywhere in the world, as long as the competent court is in the EU, the United Kingdom, Switzerland, Liechtenstein, Monaco, the Vatican City or San Marino. Liability cover applies to conduct and claims in the same countries.
Source: Cyber Family Reale Insurance Conditions, points 7.5, 12.2 and 17.2
Italian helplines, an English-speaking adviser
ARAG (legal protection) and the Blue Assistance operations centre are Italian services. You can always go through us instead: we explain the policy in English and help you report a claim.
What you need to apply
An Italian tax code (codice fiscale), your address in Italy, and two answers: whether you already have a home insurance policy (it gives the discount) and whether you have had an IT incident in the last two years, in which case the insurer assesses the request before issuing.
How it works
Get your quote online, in English
The price is calculated on the insurer's tariff from the details you enter. The quote is free and does not commit you to buy.
Go through it with an English-speaking adviser
Before you sign we send you the pre-contract documents (DIP and additional DIP) and the Insurance Conditions. They are in Italian, the version that is legally binding: we walk you through them in English, at no extra cost.
Sign and stay covered
You sign online or at one of our offices. When you need to make a claim, you deal with us in English and we handle the paperwork with the insurer.
Frequently asked questions
What does cyber insurance cover in Italy?
CyberSafe always includes legal protection for disputes that start online. You can add a Financial Loss section (stolen or cloned cards, online purchases never delivered, identity theft, with an annual limit of €1,500 or €2,500), liability for harm you cause to others online and 24/7 IT and emergency assistance. It covers private life only, not work.
How much does cyber insurance cost for a family in Italy?
From €50.68 a year with legal protection only, for the whole household. With all four sections and the higher financial loss limit it is €139.91 a year, taxes and charges included, or €125.91 if you already have a home policy. The price does not depend on age, family size or where you live.
Am I covered if a fake bank operator tricks me into making a transfer?
No. If you make a bank transfer yourself, or authorise a payment with your PIN or codes, because a fraudster has deceived you, the loss is not covered: the policy refunds stolen or cloned cards, online purchases paid by credit card and identity theft.
My bank refunded only part of a card fraud: does the policy pay the rest?
Yes, if you have the Financial Loss section: it pays the part you could not recover after following your bank's procedures, within your annual limit, minus an excess of €100 per claim. Payments you authorised by entering your PIN are excluded, unless you were robbed or forced to make them.
Are my children covered?
Yes. Everyone on the policyholder's family-status certificate (stato di famiglia) is insured, children under 18 included, for the same premium. Liability cover is often useful for teenagers who share content online, and the assistance section includes psychological support arranged by the operations centre after cyberbullying, cyberstalking or online harassment.
Can I use it for my business or partita IVA?
No. It is a policy for private life: legal protection excludes self-employment and business activity, and liability excludes any activity that produces income, even occasionally. The Conditions describe it as a product for individuals and families, for the risks of using the web in private life.
Is the premium tax-deductible in Italy?
The premium of this policy is not eligible for any tax credit or deduction. Italian income tax relief on insurance premiums is limited to specific risks, such as death, permanent disability and some home disasters, and cyber cover is not one of them. Check your own case with a tax professional (commercialista).
Ready to see your price?
Free online quote, explained in English by a registered Italian insurance intermediary.
CyberSafe is underwritten by Società Reale Mutua di Assicurazioni and distributed by Assicurazione Castello di Annone di Rabacchin Matteo, insurance intermediary registered in the Italian Single Register of Insurance Intermediaries (RUI), section E, no. E000517439, supervised by IVASS. This page is a summary in English: the Insurance Conditions (in Italian, PDF) and the pre-contract documents you receive before signing are the legally binding texts. For contracts concluded at a distance you can withdraw within 14 days. Online quotes may not be available in your region. Complaints and regulatory information: reclami (in Italian).