Even with every precaution taken, fraud and scams still happen. Cover is Smudge's partnership with cyber insurance providers, built so individuals, not just businesses, can insure against the fallout.
Prevention gets you most of the way. Cover is there for the rest.
Legal fees, lost wages and admin costs of untangling your name from fraud committed in it.
Money lost to phishing, romance scams, investment fraud and impersonation, where the bank won't refund you.
Cover towards extortion demands and the cost of recovering your own devices, photos and accounts.
Access to legal advice if you're being harassed, stalked or defamed online and need it to stop.
A short questionnaire about your exposure: accounts, assets, and any past incidents.
Only insurers we'd recommend to our own families, at fair, individual-sized policies.
If you do need to claim, Smudge helps you through the process, not just the insurer's call centre.
No spam, just one email when policies go live, with early-access pricing.
Start with a free scan to see what's already exposed, Cover matters most once you know your risk.
Run your free scan →