How do you define war?
That's the tricky part to me. If your insurer can unilaterally decide that any specific cyber attack is state-sponsored and therefore an act of war, that's troubling, as it's basically a "get out of jail free" card they can play every time they like.
I can understand that if they insure against war, then the whole system goes down if there is one. The tricky bit is finding a definition of what a "cyber war" actually is, without invoking SkyNet and Terminators...
