Terrorism and Travel Insurance: What You Told Us

Based on more than 2000 GB adults surveyed recently by International Travel and Healthcare (ITHC) with YouGov, we have found that:

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  • 42% are concerned about terrorism impacting on travel plans.
  • 70% aged 25+ would be likely to cancel a trip if terrorism affected their destination, as long as they knew they could recover what they had already paid.
  • 1 in 4 adults think a typical travel insurance policy would cover cancellation due to terrorism – but it doesn’t.

What you need to know:

  • Safe Journey is the only UK policy that covers cancellation following an act of terrorism. If an attack takes places anywhere within 40 miles of your booked accommodation, up to 6 weeks before your departure, you can get your money back.
  • Most UK travel insurance policies exclude terrorism entirely, or provide only limited cover for death, medical treatment, Personal Accident in the event of a Permanent Total Disablement.
  • Safe Journey is the UK’s first comprehensive terrorism travel insurance.
  • Safe Journey helps those affected directly AND indirectly by terrorism.

It’s not really surprising that so many people expect terrorism to be included in cover. It’s a new requirement and although it has always been an exclusion on many policies, it simply wasn’t an issue until recently.

Another reason for misconceptions around what policies include and exclude is that not many people read the full Policy Wording. Only 24% of adults who have taken out travel insurance do, while 58% say they read “some” of it.

Not reading this critical information can mean not being aware of all sorts of exclusions, terms and conditions, and can even lead to a claim being invalidated – even if it’s done completely inadvertently.

Other interesting findings

Making assumptions

  • 32% believed that typical travel insurance would cover cutting a trip short if terrorism took place.
  • 37% thought delays would be covered under the same circumstances.
  • Both are extremely uncommon in UK travel insurance policies – with the exception of Safe Journey, of course.

Do Londoners worry more in general?

  • 53% were concerned about terrorism affecting travel plans.
  • Compare that with only 32% of those in the North East
  • And the nationwide average of 42%

Who pays for emergency evacuation or repatriation?

  • 19% weren’t sure
  • 21% thought the UK Government would pay

Does age matter?

  • Those aged 45-54 were least likely to have read their policy wordings at all - despite being the age group most likely to purchase travel insurance nationally.
  • Only 58% of 18-24-year-olds would be likely to cancel a trip if terrorism took place, as long as they knew they could recover what they had paid in advance
  • 70% of those over 24 would want to cancel

You’re in luck, because Safe Journey costs as little as £4.96 per person for a single trip of up to 8 days. 

Read our Policy Wording for full details of cover as well as exclusions, terms & conditions. Then get a quick quote here and see how cost effective it is to be prepared.  

The big questions:

  • Can you afford not to read your policy wording?
  • Can you afford not to have comprehensive insurance that includes terrorism?

All figures, unless otherwise stated, are from YouGov Plc.  Total sample size was 2,026 adults. Fieldwork was undertaken between 19th - 20th July 2016.  The survey was carried out online. The figures have been weighted and are representative of all GB adults (aged 18+).

 

 

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.

Protection For a Changing world

£1 million Medical Expenses cover

Medical Repatriation cover

Evacuation and Emergency Temporary Accommodation cover

£100,000 Permanent Total Disablement cover