Navigating the online world has become a part of our day to day. We bank, shop, chat and share a great deal of our lives in cyberspace.
With this increase in online activity there has been a rise in cyber crime such as hacking, extortion, and cyber bullying.
You hear the stories at a BBQ about cyber-crime, who’s bank account or credit card was robbed and you think, why would a cyber criminal waste their time hacking into my files, getting my passwords and impersonating my digital ID?
Cyber criminals don’t discriminate. Whilst they often target large organisations, they also target families.
Then there is cyber bullying.
According to the Australian Government’s eSafety Commissioner, young people are being bullied online at unprecedented levels right now. This can look like:
- Abusive texts and emails
- Hurtful messages, images or videos
- Imitating others online
- Excluding others online
- Humiliating others online
- Spreading nasty online gossip and chat
- Creating fake accounts to trick someone or humiliate them
How common is it?
In 2017, the eSafety Commissioner reported:
- 1 in 5 Australian young people reported being socially excluded, threatened or abused online
- 55% sought help from their parents, 28% from their friends; 38% blocked the offending social media account; 12% reported it to the website or platform
- 1 in 5 Australian young people (15% of kids, 24% of teens) admitted behaving in a negative way to a peer online — such as calling them names, deliberately excluding them, or spreading lies or rumours. Of these, more than 90% had had a negative online experience themselves.
Recently, in September 2020, a virtual kidnapping hoax was uncovered with extensive amounts of money being extorted from the girl’s family.
As parents, you now have a choice to cover such risks and look after your family with Personal Cyber Insurance for less than $160 a year.
Cyber Protection falls under many categories including:
- Cyber extortion
- Identity theft
- Crimeware (spreading of viruses, Trojan horse programs, worms, spyware, or adware)
- Cyber harassment
- Harmful publication