Case Study of a Changing World: 1

How Safe Journey would have helped in a real-life case of terrorism

 

If we could go back in time, everyone’s priority would be to prevent these acts of terrorism from happening in the first place. The purpose of this article is to demonstrate how Safe Journey is now able to provide financial protection.

In developing Safe Journey, we did extensive research on the numerous terrorist events that have happened, we looked in detail at how these events affected not just the people directly involved at the time, but also those indirectly affected too.

We looked at the numerous insurance claims that were notified, some settled and some unfortunately not, expenses that travellers were exposed to, and other broader requirements that travellers experienced following these real life terrorism incidents, and we wanted to share with you how in these instances Safe Journey could have helped to soften the financial impact…

 

Case File: Beach Shooting, Tunisia

 

Tunisia Map

26 June 2015

Port El Kantaoui, Sousse, Tunisia

A gunman opened fire on beachgoers in one of the most shocking acts of terror in recent years, killing 38 and injuring many more. 30 of those killed were British.

 

 

 

 

Statistics

420 000 British visits to Tunisia annually (2014)

  • At the time of the attack, there were circa 3500 British tourists in Sousse
  • Circa 3000 bookings arranged by tour operators
  • Circa 500 independent travellers

Of the actual claims we looked at in detail:

4 repatriations for serious injuries

  • 2 repatriated by RAF
  • 2 had to be repatriated by a private Air Medical team. This cost £20,000

Many travel insurance policies did not cover terrorism (and still don’t) and as a result, a number of claims were not paid. This is an example of some of the claims that were not settled.

Tunisia Claims

Safe Journey has been specially developed to provide cover in case of an act of terrorism, so you can plan your travel with additional financial peace of mind.

Safe Journey is the first policy of its kind to provide financial protection just for acts of terrorism. Included within Safe Journey is the opportunity to decide not to travel if your destination is affected by terrorism, and for you to curtail your trip and return home early – if your accommodation is within 40 miles of the location of the incident. 

 

In Detail: how Safe Journey would work for different travellers

Scenario 1: Cancellation

Couple (Sean and Theresa) aged 62, booked a 10 day trip independently

Cost of all-inclusive holiday, including flights:  £1780

Cost of couple’s travel insurance policy:  £42.31

Cost of a 10 day Safe Journey policy: £11.00

i.e. Total travel insurance costs:  £53.31

 

Fortunately, Sean and Theresa were not yet in Tunisia when the attack took place, but they had booked a hotel in Sousse just a few miles from where the shooting took place, and were set to depart two days after the attack. Understandably, they didn’t want to go.

The airline and hotel they had booked with wouldn’t provide a refund as they were inundated with similar requests. At the point that they were due to travel the UK Foreign and Commonwealth Office had not changed their travel advice to an Amber warning – which means one should travel only if it is essential to do so. This advice, when given, means that travel operators are required to allow their passengers to make alternative arrangements or to provide a refund.

  • This is the risk of being an independent traveller not protected by Tour Operators.
  • Safe Journey would have paid their Cancellation claim of up to £1780.

 

Cancellation and Disinclination

“Disinclination” is simply another way of saying “I’m not keen to go there right now.”

We believe that you should have the right to cancel a trip if an act of terrorism takes place within 40 miles of your booked accommodation, up to 42 days prior to your planned departure.

No UK travel insurance policy has previously covered Disinclination, and this is just one of the ways we’re changing travel insurance to give you even more peace of mind!

 

Scenario 2: Curtailment with Tour Operator Assistance

Couple (Tim and Mary) aged 62, booked a 10 day trip with a well known Tour Operator who was also an airline company.

Cost of all inclusive holiday, including flights:  £2400

Cost of couple’s travel insurance policy:  £42.31

Cost of a 10 day Safe Journey policy:  £11.00

i.e. Total travel insurance costs: £53.31

 

Tim and Mary were on the second day of their holiday when the attack happened, and whilst they were nearby (their hotel was less than 40 miles away from the location of the attack) they didn’t see anything happening and their hotel was not directly affected. Both felt uncomfortable about staying there and wanted to come home. Their Tour Operator was offering to get them home on the next available flight (which they also operated) and so 2 days later Tim and Mary were safely back in Manchester.

Safe Journey for Tim and Mary would have paid for the unused portion of their holiday, which would have been calculated on the number of days unused, therefore 6 days, and £1440 would have been paid back to Tim and Mary by Safe Journey.

 

Scenario 3: Curtailment

If Sean and Theresa (see scenario 1) had been in Tim and Mary’s position, they would not have had a Tour Operator to help them. As their accommodation was within 40 miles of where the attack took place, Safe Journey would have arranged their flights home and paid for them.

The cost of this would have been around £2000 due to the shortage of seats and availability, and logistically this would have been difficult for Sean and Theresa to have organised themselves. In addition, they would have received £1068 in compensation for the curtailment of their trip.

 

Scenario 4: Loss of Possessions

Emma and Sharon, age 33 and 35, booked a 5-day break.

They were on the beach during the attack and were both injured. An ambulance took them to the nearest local hospital, after which they were repatriated to the UK. Their suitcases were sent back with them, but their handbags and other items that they had with them on the beach that day, worth approximately £300 each, were not recovered.

Safe Journey would have covered the loss of their personal possessions and the curtailment of their trip. It would also have paid for their medical and repatriation expenses.

 

Scenario 5: Permanent Total Disability

Seven people were seriously injured in the attack. Had these injuries resulted in their permanent inability to attend to a profession, business or gainful occupation of any kind, Safe Journey would have covered them for Permanent Total Disability under Personal Accident, and would have paid £100,000 per person.

 

Scenario 6: Death Benefit

We should point out that Travel Insurance is not designed to perform in the same way life insurance would – with high sums insured – and travel insurance policies therefore provide a much lower level of cover.

In the case of death, Safe Journey would have paid Death Benefit of £25,000 as well as repatriation of mortal remains or funeral expenses in Tunisia of up to £3,500

 

Scenario 7: Travel Delays

Travellers appear not to have experienced any delays as a result of this attack in Sousse, but had this happened, Safe Journey would have provided Travel Delay cover for outbound or return journeys.

Travel Delay Cover would have paid £20 for each 8-hour period of delay, up to £200 per person. If someone had been delayed for 48 hours on their outbound journey and had decided to cancel their trip, Safe Journey’s cancellation cover would then have applied.

 

Scenario 8: Medical Expenses and Repatriation

Emma and Sharon (scenario 4) would have been covered for their emergency medical expenses in Tunisia (ambulance and treatment at the local hospital).

Safe Journey would also have paid for medical repatriation, estimated at £20,000 for two people, leaving them able to focus on their recovery without additional financial concerns.

 

Get your quote today and make your journey a Safe Journey.

 

Please note: The information provided is a summary only and does not contain the full terms and conditions of the contract. Full terms, conditions, complaint procedures and exclusions can be found in the Policy Wording, which you should also read carefully.

Single Trip Cover

From £5.17* per person

  • Travel insurance that covers disinclination to travel if your destination is affected by terrorism before you travel.
  • Safe Journey provides comprehensive travel insurance just for acts of terrorism.
  • Single Trip insurance provides cover for up to 180 days of continuous travel.
  • Available for singles, couples and families and with no maximum age limit and no medical screening requirements.
  • For Business and Leisure travellers.
  • For UK, Channel Island and Isle of Man residents when travelling in the UK and abroad, when you have booked and pre-paid your flights or accommodation.
  • Safe Journey covers up to £2000 per person for travel arrangements, if where you are staying is affected by terrorism and you want to return home.
  • Travel delays caused by acts of terrorism are covered.
  • Personal possessions including money and passports are protected whilst you travel against damage or loss as a result of acts of terrorism.
  • 24 hour (UK based) emergency assistance to help you after an act of terrorism.
  • Maximum excess per claim £100
Buy now

*For up to 8 days travel, Worldwide. £53.73 for 180 days continuous travel, Worldwide.

Annual Multi-Trip Cover

From £15.66 per person

  • Travel insurance that covers disinclination to travel if your destination is affected by terrorism before you travel.
  • Safe Journey provides comprehensive travel insurance just for acts of terrorism.
  • Annual Multi-Trip insurance for travel durations of up to 31 days, for each trip you take during a year.
  • Available for singles, couples and families and with no maximum age limit and no medical screening requirements.
  • For Business and Leisure travellers.
  • For UK, Channel Island and Isle of Man residents when travelling in the UK and abroad, when you have booked and pre-paid flights or accommodation.
  • Safe Journey covers up to £2000 per person for travel arrangements, if where you are staying is affected by terrorism and you want to return home.
  • Travel delays caused by acts of terrorism are covered.
  • Personal possessions including money and passports are protected whilst you travel against damage or loss as a result of acts of terrorism.
  • 24 hour (UK based) emergency assistance to help you after an act of terrorism.
  • Maximum excess per claim £100
Buy now

†31 Days any-one-trip, Worldwide.