CA 04 65 Auto Hacking Expense Coverage

An Insurance Services Office (ISO) standard form. It pays the costs to find out whether a cyber incident has affected a scheduled owned private passenger auto, light truck or medium truck, and to investigate, restore its computer system and data, tow it and provide temporary transportation, up to an aggregate limit. Ransom payments can be added, and it provides no liability or physical damage coverage.

1. 09 27 edition

   Sep 2027, compared with 01 24Latest edition

   • Coverage now responds to a cyber incident as defined in the coverage form, replacing the endorsement's own definition of an auto hacking incident (malicious code or a denial of service attack).

     01 24

     “"Auto hacking incident" means any”

     09 27

     “We will pay for "cyber incident expenses" resulting directly from a "cyber incident".”

2. 01 24 edition

   Jan 2024, compared with 09 22

   • The incident must now occur to a covered auto located within the coverage territory and be discovered during the policy period or the 30 days after, instead of being discovered within the coverage territory.

     09 22

     “is "discovered" within the coverage territory”

     01 24

     “Has occurred or is occurring to a covered "auto" located within the coverage territory”

1 other edition date appears in one or two filings each, often carrier-specific versions: 03 23.

Where filings record what this form replaced, they name earlier edition 09 22 and other forms 04 65. Only some filings record replacements.

• Edition in use: in the past 12 months, 56 companies filed the 01 24 edition and 3 companies filed 09 22.
• The latest edition, 09 27, has been filed by Insurance Services Office, Inc in 25 states since Aug 20, 2026. No carrier filings list it yet.
• CA 28 03 (Abuse Or Molestation Exclusion For Covered Autos Liability Exposure) is filed alongside it most often, in 190 of the same filings (58%).

Data from admitted P&C filings with state insurance departments, submitted Oct 2021 to Oct 2026, excluding withdrawn and rejected filings. One filing can cover several affiliated companies.

• Progressive GroupUses CA 04 65 in 1 filing
• Old Republic GroupUses CA 04 65 in 3 filings

• CA 28 03Abuse Or Molestation Exclusion For Covered Autos Liability Exposure190 filings
• CA 27 19Perfluoroalkyl and Polyfluoroalkyl Substances (PFAS) Exclusion for General Liability Coverages171 filings
• CA 27 22Sexual Abuse Or Sexual Molestation Exclusion For General Liability And Acts, Errors Or Omissions Liability Coverages168 filings
• CA 27 21Abuse Or Molestation Exclusion For General Liability And Acts, Errors Or Omissions Liability Coverages166 filings
• CA 27 24Sexual Abuse Or Sexual Molestation Of Any Person Committed By The Insured Liability Coverage161 filings
• CA 27 23Sexual Abuse Or Sexual Molestation Liability Coverage156 filings
• CA 23 30Motor Carrier Endorsement133 filings
• CA 00 20Motor Carrier Coverage Form130 filings
• CA 04 39Volunteer Hired Autos128 filings
• CA 20 33Autos Leased, Hired, Rented Or Borrowed With Drivers – Physical Damage Coverage127 filings