What could 40 miles mean to you? Quite a lot if you have a Safe Journey terrorism travel insurance policy!
You’ll spot lots of references to a 40-mile radius in our Policy Wording, and whenever we talk about cancellation and curtailment.
The terms of Safe Journey cancellation cover (disinclination to travel) are that you’re covered for cancellation if an act of terrorism takes place within a 40-mile radius of your booked travel route or accommodation, up to 42 days prior to your departure. You don’t have to cancel, but the choice is yours!
In the case of curtailment, Safe Journey also applies if your accommodation is anywhere within 40 miles of the attack and you prefer to go home early.
How much ground does that cover?
A 40-mile radius may not sound huge, but it works out to 5,026.55 square miles – that’s 3,218,272 acres or 1,302,388.41 hectares!
In local terms, a 40-mile radius measured from Westminster encompasses Luton, Reading and Guildford. Greater London, by comparison, covers an area of 606 square miles.
Disinclination to travel
Let’s look at the Berlin Christmas market attack in December 2016. A 40-mile radius has been drawn around the market zone, reaching Brandenburg in the west, and almost meeting the Polish border in the East.
Had you been scheduled to travel in, to, or through the area highlighted below any time between 19 December 2016 and 30 January 2017, you would have been covered for cancellation – assuming you had purchased a Safe Journey policy prior to 19 December, of course.
What would have been covered?
- A trip for which you had booked a hotel in Berlin from 20 – 27 December would have been covered.
- If you had booked a flight to Berlin’s Tegel Airport (which falls within the 40-mile radius) on 28 January, you would have been able to choose to cancel.
- Likewise, if you had booked accommodation in Potsdam from 1 – 7January and didn’t want to go following the attack, disinclination to travel would have been covered.
What’s not covered?
- Travel to other destinations in Germany, e.g. Magdeburg on the far left of the map (unless you were scheduled to travel through the demarcated area).
- Any other travel following an act of terrorism – we can’t cover disinclination for a trip to Paris if the attack took place in Berlin.
- If there had been a threat of attack, rather than an actual attack, cover would not apply.
- If the UK Foreign and Commonwealth Office (FCO) had issued advice against all travel, or against all but essential travel to the area.
What about curtailment?
If you are already travelling and an act of terrorism takes place, you would be covered for curtailment as long as your accommodation is within that same 40-mile radius of the attack.
Curtailment cover includes a refund for the unused portion of your trip, as well as costs to reschedule flights or other transport if these are not provided by your tour operator or airline.
If an act of terrorism takes place within a 1-mile radius of your accommodation when you’re already there, Safe Journey would also provide emergency temporary accommodation.
What this means for you
We believe every traveller should have financial protection that allows them to choose to cancel a trip if there’s an act of terrorism close to their destination – hence the 40-mile radius.
Cancellation and curtailment cover of up to £2,000.00 per person is provided, with just a £100 excess payment, so it can have an enormous impact should you prefer not to go.
For more details of cancellation and curtailment, as well as other cover included in every Safe Journey policy such as emergency medical treatment, medical repatriation, death and permanent total disablement, delays, personal effects, and withdrawal of services, please read our Policy Wording. This is also where you’ll find full terms, conditions and exclusions.
*Maps generated via www.freemaptools.com and Google Maps