Did the insurance limit change under Danzell?

No. The free policy remains £25,000 for eligible UK organisations. Top-ups via IASME's broker are available.

If I certify a sub-set scope under Danzell, do I still get the insurance?

No. The free insurance requires a whole-organisation Cyber Essentials certificate. Sub-set scopes do not qualify.

Does CE Plus give a higher insurance limit?

No. CE and CE Plus both attract the same £25,000 free policy. Upgrade via a separate commercial policy if you need more.

What if I am over £20m turnover?

You are not eligible for the free policy regardless of question set. You remain eligible for the certification itself and can buy a commercial cyber policy.

Will the policy keep up with AI and CSR Bill risks?

The policy responds to cyber incidents broadly. As risks evolve, IASME's broker updates wording – check your annual policy documents on renewal.

Free Cyber Insurance and Danzell: Does the £25k Policy Change?

The policy basics – still the same

Free £25,000 cyber liability cover.
UK-domiciled organisations, turnover under £20m.
Whole-organisation CE certificate (not sub-set).
Underwritten by AIG, administered via IASME's broker.
24/7 UK incident response helpline.

What Danzell does change

Danzell tightens the route to the certificate, not the policy that follows it. Specifically:

Scoping wording is firmer – be careful that you actually have whole-organisation scope.
MFA wording is firmer – borderline MFA setups that scraped through Willow may not pass.
CE Plus marking is stricter – worth knowing if you are aiming for CE Plus too.

If any of those tightenings cause you to certify a sub-set instead of the whole organisation – for example to keep a problematic legacy system out – you lose access to the free insurance. See our Danzell scoping guide.

The renewal trap

The free insurance lapses the moment your certificate lapses. Diary your CE renewal at least 30 days before expiry. See our renewal guide.

Should you top up?

£25,000 is meaningful baseline cover. Most SMEs handling personal data or payments carry £1m–£5m. The free policy is a foundation, not a ceiling. See CE insurance vs standalone cyber insurance for the comparison.

How to claim if the worst happens

Call the 24/7 helpline as soon as you suspect an incident. Delays can void cover. Full step-by-step in our claims walkthrough.