아프리카ㆍ중동

The present article proposes the inadequacies and speculations of the electronic insurance (EI) in the Iranian insurance law (1971). Cyber-insurance, the transfer of financial risk associated with network and computer incidents to a third party, has captured the imagination of professionals and researchers for many years. Yet reality continues to disappoint the proponents of cyber-insurance in Iran. Financial accounts, legal grounds, internal regulations and software and hardware organizational structure are among the elements that the Iranian insurance law has to promote. Furthermore, it is necessary for Iran to invest heavily in EI to encourage both public agencies and the private sector especially small and medium sized enterprises to use EI to increase their efficiency and capabilities for competition in the digital space. Alongside with these developments protective, commendable and progressive legal measures to protect the rights of parties, insurer and insured in the virtual world must never be ignored.