Faceless threats

17 Sep 2015

Fraud has gone high tech, with the potential damage that hackers using the internet can cause becoming a real danger. Now the industry is starting to use high-tech methods to fight back.

When it comes to motor insurance, there is a consensus among experts that, in the case of a pay-as-you-drive insurance dongle being hacked, liability would lie with the insurer. BLM cyber partner, Nick Gibbons said: “All the motor policies I’ve looked at don’t exclude hacking, so the insurer would be responsible, especially as it’s the insurer’s dongle that is fitted in the car for telematics purposes. The dongle is then effectively connected to a mobile telephone network, which gives hackers access to the car.

“Several reports from various sources show you can’t get far with hacking a car unless it’s driving at under five miles an hour, but it could become a problem in the future as technology gets more advanced. When it happens, insurers will have to deal with it head on and either specifically cover or exclude hacking.”

You can read the article in full on the Post website.

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Disclaimer: This document does not present a complete or comprehensive statement of the law, nor does it constitute legal advice. It is intended only to highlight issues that may be of interest to customers of BLM. Specialist legal advice should always be sought in any particular case.

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Nick Gibbons

Nick Gibbons

Partner,
London


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