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As we look towards the end of 2021 and at how the Bar has adapted to the harsh realities of the pandemic, the question beckons as to what the future holds.

The global coronavirus pandemic, and the rise in people working from home, has unfortunately provoked a growth in cyber-crime. The UK government estimates that the cost of cyber-crime is £27bn per annum.

When does an after-the-event insurance policy provide adequate security for a defendant’s costs? The short answer is that it very much depends on the wording of the particular policy.