Does Cyber Essentials Reduce Your Cyber Insurance Premium?
A clear, direct answer to this question — written for UK business owners and IT decision-makers.
Direct Answer
Yes — Cyber Essentials certification reduces your cyber insurance premiums with many UK insurers, typically by 10–25%. More importantly, certified organisations are 92% less likely to make a claim in the first place. Some insurers now require Cyber Essentials as a minimum prerequisite for coverage. Uncertified businesses face higher excess, reduced coverage limits, and a greater risk of claims being rejected.
Key Points
What you need to know.
The Short Answer
55,995 Cyber Essentials certificates were awarded in 2025; 42,288 at CE level and 13,707 at CE Plus.
For UK Businesses
Only 3% of all UK businesses are Cyber Essentials certified — rising to 21% among large businesses.
Cost Considerations
Only 12% of businesses are aware of the Cyber Essentials scheme (51% among large businesses).
Next Steps
Organisations with Cyber Essentials are 92% less likely to make a claim on their cyber insurance.
Quick Comparison
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Frequently Asked Questions
Only 14% of UK businesses formally review cyber risks from their immediate suppliers. 35.5% of all global data breaches in 2024 originated from third-party compromises. Supply chain attacks add an average of £241,620 to the total cost of a breach and take 267 days to detect and contain.
Yes. 50% of small businesses (10-49 employees) reported a cybersecurity breach in 2025. UK small businesses face around 65,000 hack attempts daily, with approximately 4,500 successful breaches. More than a quarter of SMBs say a single cyber attack could put them out of business entirely.
Organisations with Cyber Essentials certification are 92% less likely to make a claim on their cyber insurance. Certification is mandatory for UK government contracts involving sensitive data. Only 3% of UK businesses are currently certified, giving certified businesses a competitive advantage.
BEC is a type of fraud where attackers impersonate executives or suppliers to trick employees into transferring funds or sharing sensitive data. BEC attacks increased 33% in 2025. The average loss per BEC incident is $137,000. Even organisations with fewer than 1,000 employees face a 70% weekly probability of a BEC attempt.
43% of UK businesses experienced a cybersecurity breach or attack in the past 12 months, according to the DSIT Cyber Security Breaches Survey 2025. For medium-sized businesses, this figure rises to 67%. Phishing remains the most common attack type, affecting 85% of businesses that reported a breach.
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