What would you do if your online identity was used to commit a serious crime, and the police knocked on your door with an arrest warrant? This is not only a possibility, it happens to several thousand people every year. As with any case of mistaken identity, you would probably quickly look for the best possible lawyer, but more importantly someone to help undo the damage done. In the digital world, everything lasts for ever. Such help does not come cheap, and soon ordinary citizens will be routinely offered cyber insurance, and they should seriously consider it. Would you?