Frequently Asked Questions

About Digital Risks

Does Digital Risks have an app?

We don’t have an app but we will be launching a customer portal with great features very soon - so watch this space!

How can I reach you?

How is Digital Risks different to other insurance brokers?

Is Digital Risks financially regulated?

What does Digital Risks offer?

Who are the people behind Digital Risks?

Getting Covered

Can Digital Risks cover businesses outside the UK?

Currently we can only provide cover online for companies registered in the United Kingdom and sole traders resident in the United Kingdom. We can provide cover offline for companies registered elsewhere in Europe and sole traders resident elsewhere in Europe, however we will require an application form completed - please contact us for a copy of the application form.

Unfortunately we can't currently provide cover for anyone elsewhere in the world - but watch this space!

Can I change my cover or add policies?

Can I sign up by phone?

Do I need employers liability?

How do I cancel my policy?

How do I know what my policy covers?

How do I pay Digital Risks?

How is my insurance premium calculated?

How long is a quote valid for?

How much cover do I need?

Is business insurance tax deductible?

Is insurance compulsory?

What do I do if I have multiple business activities?

What do I do if my business type isn’t on the list?

What if I don’t have a registered company name?

What is an Employee Reference Number?

What types of business insurance do I need?

What information do I need to provide for a quote?

Who can get a quote?

Why do I need business insurance?

Will I be covered straight away?

Making a claim

How do you settle a claim?

It depends on the policy and the claim. Where items have been lost, stolen or damaged, we might arrange for the items to be replaced or make a payment to you. If you’re liable for something we will assist you with legal support.

How fast will a claim be paid?

How much excess would I have to pay if I make a claim?

What documents do you need from me to make a claim?

When should I report a claim?

Will my premium increase after a claim?