Pre-launch. We are not an insurer yet.
Cover for the life you live online.
Your money, your identity and your accounts moved onto the internet. Your insurance never followed them there. We are building the cover that does — and while we build it, we help the people it would have covered.
When it happens, you're on your own.
Break a window and you know exactly who to call. Lose control of your bank login at two in the morning and you get a queue, a reference number, and a lot of guessing.
Nobody owns the problem
The bank points at the platform, the platform points at the police, and the police open a file. You end up being your own case manager on the worst week of your year.
The costs are real and uninsured
Days off work, legal letters, credit repair, a replaced device, money that never comes back. None of it sits under a home or contents policy.
The advice is generic, your situation isn't
Search results tell you to change your password. They don't tell you which account to secure first when someone already controls your phone number.
Four things that actually happen to people.
One plan, covering the four ways an ordinary digital life comes apart — and a person who picks up when it does. Today we do the recovery work by hand. The insurance sits on top of it once we have an underwriter.
Identity theft
Someone opens a loan, a SIM or a tax return in your name.
We do the chasing — the reports, the freezes, the disputes, and the follow-up nobody has time for.
Financial fraud
Money left your account and you weren't the one who moved it.
We help you build the case and keep the pressure on the bank until someone answers it.
Extortion and ransomware
Your files are locked, or someone is threatening to publish what they took.
We get you to someone who has handled this exact situation before, quickly, before you pay anyone.
Account takeover
You're locked out of your email, or someone is posting as you.
We work the recovery process — mostly waiting and re-submitting — so you don't lose a week to it.
See what we mean.
These screens work — click through them. The numbers inside them don't mean anything yet, because there is no policy behind any of it.
Cover picker
The three-step questionnaire that works out what a household needs, and what it would cost each month.
Open itYour cover, later
What the app looks like once you're covered — limits, billing, and a habits score that pulls your rate down.
Open itIncident tracking
How a report moves once it's filed, and what you'd see from us at each stage of getting it resolved.
Open itWhere we actually are.
We'd rather tell you this on the front page than have you find it out later.
- 1Live now
We help people directly
Tell us what happened and a person replies with what to do next — or takes the legwork on. No charge, no policy, no catch. Every case we handle teaches us what the cover actually needs to include.
- 2Next up
Find an underwriter
We have not approached an insurance company yet. That's the honest state of things. The cases we handle now are the evidence we'll take to one, because a policy priced on guesswork helps nobody.
- 3After that
Cover you can actually buy
A real policy, priced on your household rather than your credit file, that pays out when one of those four things happens to you. That's the product. We're not pretending it exists yet.
Something happened. Start here.
You don't need a policy, an account, or a payment to use this. Pick how you'd like us to help.
Send me the steps
Tell us what happened and we'll reply with a plan you can act on yourself — the exact calls, forms and freezes, in the order they need to happen.
I'll do it myselfYou handle it for me
Same form, but tell us you'd rather not do this alone. We'll reply with what we can take on for you, and start on it.
Do it for meEither way, a person reads it and replies by email. Because we are not an insurer yet, we cannot reimburse what you lost — what we can do is save you the hours of working out what to do, and do the parts you shouldn't have to.
Be there when it's real.
Six questions, about a minute. We'll email you when the cover goes live — no newsletter, no drip campaign, no selling your address on.
Join early accessOpens our signup form in a new tab.
What we ask, and why
- Where you are, so we know which banks and regulators we'd be working with.
- What worries you most, so we build that part of the cover first.
- Whether you'd add it inside your banking app, which is the route we're testing.
There's also an option to trade a ten-minute conversation about the product for free cover through the beta. Take it — the people who do will shape what this becomes.