liability premium when purchasing an electric vehicle Preventive measures in the event of natural phenomena 	Reliable weather information and prompt warnings from the international weather service UBIMET Innovative new products 	New coverage with “Zuhause PLUS preparation of an energy certificate, professional pest control and mould removal 	UNIQA Cyber private coverage provides constant online monitoring of the internet and darknet in order to prevent misuse of e-mail and banking information 	Additional module in business insurance related to cyber security matters, e.g. assumption of costs for rapid deployment of an IT or PR company to minimise any damage Future trends We continue to expect a significant increase in demand for insurance solutions in the cyber area, as any interruption of business operations, for instance, in the aftermath of a hacker attack can quickly begin to threaten a company’s very existence.