VTC drivers handle sensitive data: a cyber-risk option protects against leaks, hacks and claims related to your customers' privacy.
With the increasing digitalization of bookings and payments, VTC drivers are collecting and storing more and more personal data : names, addresses, bank details, trip history, etc. This vulnerability, exposing you to leaks, hacks, or identity fraud, can have serious financial and legal consequences. To protect yourself, the cyber-risk option within your VTC contract is now essential . In this article, KT VTC & TAXI explains why and how to strengthen your coverage.
1. The challenges of protecting customer data
Volume and sensitivity of data collected
- Personal information (name, first name, address)
- Bank details for contactless payment
- Journey profile (time, places visited)
This data, if compromised, can lead to:
- Identity theft
- Bank card theft
- Damage to the reputation of the driver and the platform
GDPR legal obligations
As the data controller , you must:
- Inform your customers about the use of their data
- Ensure security and confidentiality (encryption, passwords)
- Report any data breach to the CNIL within 72 hours
2. What does the cyber risk option consist of?
Coverage of incident response costs
- Computer forensics to identify and plug the flaw
- Customer notification and regulatory procedures
- Public relations to manage the impact on your image
Third-party compensation
- Legal fees in the event of a claim or lawsuit
- Financial compensation for victimized customers (fraud, damages)
- Administrative fines (e.g. GDPR) partially covered
3. Why this option is essential for a VTC driver
Increased risk of cyberattack
- Increase in dematerialized payments
- Connecting to third-party apps or public hotspots
- Frequent use of vulnerable tablets and smartphones
Protecting your professional liability
In the absence of cyber coverage, you risk:
- Full reimbursement for victims
- Civil and criminal proceedings for failure to comply with the security obligation
- Loss of confidence among customers and VTC platforms
4. How to subscribe to VTC cyber risk insurance?
Check your basic contract
Make sure your VTC Professional Liability Insurance doesn't already cover certain cyber assistance costs. Generally, you need to add a dedicated option .
Key points to negotiate
- Adapted compensation ceiling (at least €50,000)
- Reasonable deductible (€500 to €1,000)
- 24/7 assistance for immediate intervention
- Complete legal support (lawyers, IT experts)
Use a specialist broker
With KT VTC & TAXI , you benefit from:
- From a personalized comparison between several insurers
- From a rapid implementation of the option
- Permanent monitoring in the event of an incident
Conclusion
Protecting customer data isn't an option: it's an operational and legal necessity for every modern VTC driver. By adding the cyber risk option to your contract, you secure your business against the financial, legal, and reputational consequences of an attack.
👉 Protect your customers and your professional future today : contact KT VTC & TAXI to subscribe to your tailor-made cyber-risk insurance.