Or some insurers have this get out of jail free card included in the loss/damage exclusions section:
"Loss of or damage caused by the unauthorised, and/or malicious access to computer
system(s) or electronic components and systems, resulting in any reprogramming
of software, introduction of malware, codes or viruses with the intention or effect to
cause such systems to stop, fail or function otherwise than is intended by the Vehicle
Manufacturer."
which is ridiculous. But, there's no way for them to prove it once the car is gone and remains unrecovered. That is unless you hand them CCTV coverage of the theft, or the car is recovered and the CANBUS attack is confirmed. From my reading looks like the won't pay out for repair or replacement if the car is stolen by the CANBUS method. Someone please correct me.