TERMS STARTING WITH (D)

Disaster Recovery

The set of procedures and capabilities to restore systems and operations after a major cyber disruption.

Digital Forensics

The technical investigation of cyber incidents to determine cause, scope, and impact.

Dependent Service Interruption

Disruption experienced by the insured due to failure at a service provider or third-party dependency.

Data Theft

Data Theft is the unauthorised extraction or exfiltration of data from systems, typically for malicious purposes such as financial gain, competitive advantage, or further criminal activity.

Denial of Service (DoS)

An attack that overwhelms systems or networks, rendering services unavailable.

Data Subject Access Request (DSAR)

A DSAR is a request by an individual to obtain the personal information an organisation holds about them.

Data Retention Period

The Data Retention Period is the length of time data (including logs or communications) is required or chosen to be stored.

Data Retention Failure

The inability to preserve data according to legal, operational, or contractual requirements.

Data Integrity Loss

The corruption, alteration, or unintended modification of data.

Discovery Period

A discovery period (also called an "extended reporting period") refers to a specified timeframe after a policy expires during which the insured can still report claims for incidents that occurred during the active policy period but were not discovered until after expiration.

Direct Financial Loss

The actual monetary loss directly caused by a covered cyber event.

Data Breach

A data breach occurs when personal information held by an organisation is subject to unauthorised access, unauthorised disclosure, or loss, and may expose individuals to risks such as identity theft, financial loss, or reputational damage.

Duty of Disclosure

The obligation to reveal all material facts that could influence the insurer's decision to provide coverage or set terms

Duty of Utmost Good Faith

The legal obligation for both parties to act honestly and fairly in their dealings under the insurance contract

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The information contained on this website is general advice only and has been prepared without taking into account your individual needs, objectives and financial situation. It should not be relied upon as advice. All insurance products are subject to the terms, conditions, limits and exclusions contained in the relevant policy wording and Product Disclosure Statement. Before deciding whether a particular insurance product is right for you, please consider your personal circumstances and read the relevant Product Disclosure Statement, Target Market Determination, Policy Wording, and Financial Services Guide.