Do you know if your travel insurance policy covers absolutely everything that you may need cover for?
Would you be able to cancel a planned trip due to an act of terrorism at or near your destination?
Would you be able to claim if your journey was delayed as a result of terrorism?
Unfortunately, many policies limit or exclude cover for items like these, but travellers don’t find out until they try to make a claim.
How do you check?
In your policy wording – start with the General Exclusions section – scan down to terrorism. Here you will see if the policy provides any protection or if it is a blanket exclusion.
We know it isn’t a whole lot of fun, but this really is the only way to know for sure.
Look out for:
Direct references to terrorism
- How does this policy define terrorism? This can be different on every policy!
- Make sure you can see what applies to terrorism, as opposed to political violence or crime
Are you covered for acts of terrorism?
- If terrorism is excluded as a whole, that could mean you wouldn’t be covered for ANY loss, delay, injury, or other claim caused by an act of terrorism.
- Some policies will include some cover for terrorism (for instance medical expenses only) and exclude other cover, such as cancellation.
- Many policies, for example, provide cover for injury, death and disablement resulting from terrorism, but don’t cover the cost of delays, loss of personal possessions, or other related expenses.
- Will it cover terrorism in your home country – or just international terrorism? An act in the UK may prevent you from getting to the airport for instance.
How this applies to natural disasters and other cover
Checking for natural disaster cover is similar to checking for terrorism cover – you need to look for specific references to natural disasters/natural catastrophes, as well as the events that this includes in your specific policy.
Make sure the events covered are appropriate to your destination, for example if you’re visiting an area that can experience volcanic activity, that’s an essential piece of cover to have! The same if you are off to the Caribbean – tropical storms and hurricanes are not exactly rare in this area.
Just make sure you don’t miss out on cover for floods, adverse weather, or other natural disasters that aren’t region-specific.
Safe Journey can’t cover natural catastrophes, but our sister company OneStop4 can help with that.
What should terrorism cover look like?
We designed Safe Journey to provide UK travellers with comprehensive cover in case they’re affected by terrorism – directly or indirectly.
Cancellation is the cover our customers tend to be most concerned about, and it’s also the item that’s most commonly excluded from other policies.
With Safe Journey, cancellation is covered if there’s an act of terrorism anywhere within a 40-mile radius of your destination, up to 6 weeks before your scheduled departure*. This is often called “disinclination to travel” so look out for that wording too!
If you’re affected by terrorism when you travel, Safe Journey also covers*:
- Curtailment – if you’re already travelling and there’s an act of terrorism within 40 miles of your accommodation
- Emergency temporary accommodation if you’re staying within 1 mile of the attack
- Loss of personal possessions
- Withdrawal of services
- Travel delays
- Medical expenses (emergency medical care, medical repatriation, funeral costs)
- Personal accident (death and disablement)
Be prepared, not scared! If you need to top up your travel insurance with terrorism cover, it can cost as little as £5.17pp for a single trip (up to 8 days) or from £15.66pp for an entire year – get a quick, no-obligation quote and see for yourself.
* This information is a summary of Safe Journey cover – please see our Policy Wording for full terms, conditions and exclusions.