Cybercrime, the risks and prevention

Digital & Internet

The challenge

Cybercrime, the risks and prevention

Insurers have many clients. And a large portion of their clients are individuals which deal with the internet, technology, and computers every day.

As many of you may have heard, the risk of cybercrime is increasing year by year, and not only for companies, but just as much for individuals. Insurers are starting offering clients insurance to cover cybercrimes. 
However, this can get very expensive very quickly if many clients are not careful and call on their insurance to pay cyber ransoms or other costs instead of being careful. Therefore, insurers are looking for a way to proactively prevent/activate people to be aware of what cyberrisks there are and what they can do to avoid it.

We ask you two questions:
1 How big is the cyberrisk for individual (non-business) clients of insurers? Try to monitize this
2 How can insurers keep these risks manageable by prevention? Specifically, focus on activating clients and fostering awareness in them to prevent the risks. Currently insurers are experiencing inaction by clients. They are aware of (some)cyberrisks, but do not take action to prevent them. There is inaction. 

The why

Why is this challenge important?

Online crime victimization has increased by 22% since 2012. There has been an upward trend, especially in recent years. Of the different forms of online crime, the victimization of purchase fraud increased most strongly from 2012, followed by sales fraud and online bullying. The percentage of hacking victims is relatively stable over time. Fewer people came into contact with identity fraud, although there has been a slight upward trend in recent years.

In 2021, 17% of the population aged 15 and older was the victim of one or more online offenses or incidents. Young people were more often victims than older people. In 2021, 20% of 15 to 24-year-olds were victims of online crime, and 12% of over 65s.

Young people are generally not aware of online crime and are therefore not aware of their actions. There is not enough information about this. In most cases it concerns purchase fraud. Someone orders an item, pays for it and then it is not delivered.

The solution

What outcome are we looking for?

Think of a solution that is, accessible/low threshold and does not use existing methods such as awareness campaigns (as insurers are already using them)


What do we expect from the participants?

Enthusiasm, creativity, and out of the box thinking.


We are looking for:
Students in Data science, Computer Science, IT, Software Engineering, Psychology & Technology, Communication and Information Sciences, Business, Law, and Criminology


  • Gain experience
  • Enhance your CV
  • Connect with like-minded people
  • Receive a certificate of participation


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About us

Verbond van Verzekeraars

The Dutch Association of Insurers is the advocacy group of damage and life insurers in the Netherlands. The Association represents the interests of its members and links them to the interests of society. More than 95 percent of all Dutch insurers are members of the Association. We have set the course to develop ourselves into an Open platform: A platform that connects insurers, stakeholders and organizations from both inside and outside of the sector. Together we want to create added value for customers, learn from each other and find answers to challenging issues that affect us all. Think of the impact of technological developments and data. Society is data driven and this also applies to the insurance sector. Also, industry expansion, changing customer behavior and social themes such as sustainability are very relevant. We take on the challenge of making everyone aware of the importance of a well-functioning insurance market: indispensable within the insurance sector and for society as a whole.

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