Helping you to navigate our changing world
Travel is one of the UK’s favourite pastimes and we take around 58 million overseas trips per year1 for business and leisure combined. There’s something about exploring new places that makes us happy!
Unfortunately, over the past few years terrorism has become a very real threat that all travellers must be aware of, whether we like it or not. With 841 acts of terrorism in 2014 alone2 we can’t ignore the issue, but we can be prepared and minimise risks.
We can now also ensure that if there’s an act of terrorism close to our destination, we’re able to choose whether or not to travel*.
Are you fully covered?
Sorry, but it’s true. The world is changing faster than many insurance policies, and the majority of travel insurance products exclude terrorism, or only include personal accident and medical treatment for direct victims.
Obviously those things are important, but what about the thousands of people who no longer want to travel, or are affected by travel delays and the chaos that often ensues? Depending on where you are, you may also need help with evacuation, alternate accommodation, or various other requirements.
We’re repeating ourselves, but this is important: make sure your travel insurance covers terrorism fully, including your ability to cancel or curtail a trip, loss of personal possessions, delays, and withdrawal of services.
How to be sure you have the right travel insurance
1. Read your travel insurance Policy Wording
It only takes about 20 minutes but it could make all the difference.
2. All of it!
It’s the world’s biggest yawn, we know – in the insurance business we have to read hundreds of these every week, lucky us – but this is where all the exclusions and technical details appear.
3. Look for “terrorism”
We’re stating the obvious, but we’re sure you wouldn’t want to discover too late that you aren’t covered. Read every section, especially the “General Exclusions”, and also go through every paragraph detailing the cover provided.
4. …or reasonable facsimile thereof
Terrorism isn’t always referred to by name. Some policies include or exclude it with a description such as “violent acts or threats aimed at achieving a political objective,” or “the acts of a foreign enemy.” They may also describe terrorist activities such as bombings.
An exclusion is not negotiable, and if terrorism is listed as an exclusion in your travel insurance
policy, nothing resulting from an act of terrorism is covered. For example, if your policy includes hospitalisation but excludes terrorism, a hospital stay will not be covered if it’s required because you were injured due to an act of terrorism.
The section titled “General Exclusions” is the most likely place to find these clauses, but it’s also important to read every section and its conditions. Some policies list specific circumstances under which you are or are not covered – check these lists for anything associated with terrorism, e.g. bombs and explosives.
6. Read between the lines
Remember that even if terrorism is covered under Personal Accident (death or
disability) and Medical sections, this does not mean you’re covered under any other sections.
7. What you need
Full terrorism travel insurance should include:
- Cancellation – including your freedom to choose to cancel
- Personal possessions
- Withdrawal of services
- Travel delays – including an option to cancel if you’re delayed for more than 48 hours due to an act of terrorism within the same State/Province as your departure or arrival points
- Medical expenses (emergency medical care, medical repatriation, funeral costs)
- Evacuation and emergency temporary accommodation**
- Personal accident (death and disablement)
Can you afford not to insure yourself properly?
More than 800 terrorism incidents in 2014 took place in 93 different countries2 and while many such as Iraq and Afghanistan aren’t on our usual travel lists, others are a lot closer to home. Chances are that it won’t happen to you, but it’s not impossible… and it’s so easy to upgrade your cover, just in case.
Adding terrorism travel insurance to your main travel insurance policy costs as little as £4.96 per person or £23.10 per family for a single trip of 8 days. You can add it to any travel insurance plan to fill the gaps***. For just a few pounds, Safe Journey can prevent huge unwanted costs and stress.
Some recent estimates say we’re spending an average of £860 per person on each holiday, or £3 440 for a family of four. It’s an investment worth protecting, and it’s worth those 15 or 20 minutes of boring policy reading to check if the cover you now have is as comprehensive as you need it to be.
We’re here for you!
There is a very easy way to ensure that you are fully covered for terrorism-related claims, and that’s Safe Journey.
We provide comprehensive terrorism travel insurance that fills any gaps in your main travel insurance policy. We can also assist with full travel insurance.
Want to be prepared? Find out how to make every journey a Safe Journey or get a quote today!
*Terms and conditions apply, but they’re very reasonable!
The basics: You can decide to cancel your trip if your accommodation is within 40 miles of where an act of terrorism takes place, 42 days (or less) before your departure date.
**Safe-Journey will provide emergency temporary accommodation if you are already at your destination and are staying within 1 mile of a terrorist incident.
***Specific terrorism travel insurance offered by Safe Journey is not a substitute for general travel insurance. A travel insurance policy is still recommended.
1&3 Global Terrorism Index 2015
2 National Consortium for the Study of Terrorism and Responses to Terrorism (START). (2013). Global Terrorism Database [Data file]. Retrieved from http://www.start.umd.edu/gtd