A new US price point in cybersecurity has made advanced cyber capabilities accessible to a wider audience, including individuals who may want to cause harm for personal reasons rather than financial gain. In Australia, personal cyber insurance products have traditionally focused on risks like identity theft and financial fraud, driven by economic incentives. As the nature of cyber threats evolves, existing insurance products may not adequately cover risks from individuals motivated by personal grievances, prompting a need for insurers to reevaluate coverage, risk assessment, and customer education.