No. This is an insurance policy which provides cover if you are financially impacted by an act of terrorism before you travel or whilst travelling.

An act of Terrorism means an act which either:

a) has been declared as an act of Terrorism by either the UK Government or the government of the country where the act occurred; or

b) where in the event of a delay in declaration by governments, acts which we believe should be covered under this policy, including but not limited to the use of force or violence, of any person or group(s) of persons, whether acting alone or on behalf of or in connection with any organisation(s) or government(s), committed for political, religious, ideological or ethnic purposes or reasons including the intention to influence any government and/or to put the public, or any section of the public, in fear for such purposes. Where we exercise this discretion we shall do so acting reasonably with the information available to us at the time.

Yes. We would advise you should always be comprehensively insured for any travel plans you may have. This policy will not cover you for anything other than terrorism.

If you have a travel insurance policy already, to understand whether you have any terrorism coverage please check the policy wording, specifically in the General Exclusions section, whether there is or is not cover for an act of terrorism.

If it is excluded, then you may not be covered although claims for medical expenses and/or personal accident (e.g. death or disablement) may be covered under your existing travel insurance policy.

However, there would be no cover under other sections of your existing travel insurance policy for an act of terrorism (e.g. cancellation, curtailment, personal possessions, withdrawal of services, travel delays or any other sections of cover).

The Safe Journey Policy is unique and will fill the gap that your cover has now and provide you with significant financial protection in the event of an act of terrorism that affects your travel arrangements.

Worldwide other than for travel to, or from, or through these countries; Syria, Afghanistan, Somalia, Libya, Yemen, Iraq, Iran, Sudan and North Korea. In addition to this, any country or area where the UK Foreign and Commonwealth Office advises against all but essential travel or, against all travel. Your Safe Journey policy will provide no cover where the nature of your claim would be considered a prohibition for the insurer to settle a claim by law.

You can buy it online at http://www.safe-journey.com or you can ask your insurance broker to arrange this cover for you.

Yes. £100 for Cancellation or Curtailment.

£75 for your personal possessions, passport or travel documents.

There are no other policy excesses.

You must be a resident of the United Kingdom, Channel Islands or Isle of Man. You must be 16 years of age or above.

180 days of continuous travel, which is the maximum allowed with a Safe Journey Single Trip Policy.

Yes within 14 days of you purchasing your policy or within 14 days of inception as long as you have not already travelled, or have not made a claim or intend to make a claim.

If you need us to change your address or contact information, or to amend travel dates on a Single Trip policy please call 01689 892 228 Monday to Friday 9am to 6.30pm or Saturday 9am to 1pm.

You do not need to have an existing travel insurance policy to purchase Safe-Journey, but you must be aware Safe-Journey only provides cover if you and/or your travel arrangements are financially impacted by an act of terrorism.

You can buy Safe Journey by visiting http://www.safe-journey.com

The following are all covered up to the amount of the sums insured shown per person, if your travel is affected by Terrorism:

Up to £1,000,000 for emergency medical treatment overseas, including transportation costs and returning you back to your home.  In addition to this, it will cover evacuating you to a safe place and providing temporary accommodation if you are staying within one mile of where a terrorist incident occurs.

Up to £3,500 for funeral expenses (burial or cremation abroad or returned to your home country)

£25,000 in the event of death

£100,000 in the event you are permanently disabled

Up to £2,000 if you choose to cancel the trip you have booked.  There are certain conditions that have to be met in order to make a claim for cancelling your booked travel:

  • The location of your booked accommodation is within 40 miles of the location of the act of Terrorism
  • The event occurs within 42 days of your booked trip, and
  • Whether you book through a tour operator or independently, your travel provider(s) must refuse to refund you for your pre-paid package holiday, flights, travel arrangements or accommodation, and
  • Whether you book through a tour operator or independently your travel provider(s) are unable to provide you with an alternative destination, or allow you to change your travel dates, for dates that you would reasonably be expected to accept.

If you are delayed for more than 48 hours on your outbound journey due to an act of terrorism occurring within 40 miles of your departure or arrival destination, you may elect to cancel your trip and claim for cancellation.

Up to £2,000 to cover your reasonable (such as the same class of flight of your original booking) travel expenses if you decide to cut short your travel and return home because there has been a terrorist event within 40 miles of where you are staying.

£20 for each 8 hour period that you are delayed in your travel on any pre-booked public means of transport up to a maximum of £200 in total. After 48 hours of delay on your outward journey to your destination, you may elect to cancel your trip and up to £2,000 will be paid for your cancellation.

Up to £1,500 for your personal effects and possessions, including money, passports, travel documents, please note there are some limits for the value of each item which are shown in the Policy Wording.

Up to £200 if there is a withdrawal of services for which you have pre-paid as part of your accommodation.

Terms and Conditions can be read in full within the Policy Wording which is available by clicking HERE.

Yes, as long as they are named on your Schedule of Insurance then they are covered. Children must be under the age of 18 years. Children aged 18 and over will need their own Safe-Journey Policy.

No there must have been an act of terrorism for this cover to apply within 40 miles of where you are staying.

No, unfortunately this is not covered under your Safe-Journey Policy.

31 days is the maximum for any one journey. You can take as many journeys as you like during the period of cover.

No, if you travel for more than 31 days then you will invalidate your cover if you have an annual policy. You need to buy a single trip Safe-Journey Policy for all trips longer than 31 days.

Because at this point the responsibility resides with your tour operator or travel provider who, if this advice is given have to refund you or provide a suitable alternative.

Your Tour Operator should arrange for your return/evacuation immediately, free of charge. They should also reimburse you for any unused portion of your holiday.

If you have not booked through a tour operator, please call the UK Foreign and Commonwealth Office (FCO) for Consular support.

  It is important we are advised of any changes to your postal address, email address or contact phone number for this purpose.

Yes. Please call 01689 892 228 to purchase your Safe-Journey policy. There will be an additional charge of £2.50 for the postage of your policy documents.

As a standard feature of this policy, Emergency Medical Expenses, Medical Repatriation and Personal Accident cover is provided if you are a victim of a terrorist attack.


Not unless there has been a terrorist attack within 40 miles of your pre booked accommodation and in the 42 days before you are due to travel. See the policy wording for the terms and conditions.

No. Unless there has been an act of terrorism within 40 miles of your accommodation. See the policy wording for the terms and conditions. This policy does not cover fear, threat or hoax. 

No. If your children are under the age of 18 they can be included into one policy and they must each be named on the Schedule of Insurance. If they are 18 years and above they will have to purchase their own policy.

Please check your spam and trash folders first, then call 01689 892 228.

The Policy expiry date is shown on your Schedule of Insurance. 

You can renew your policy by calling 01689 892 228 or buy another cover online at www.safe-journey.com

  • The full names of those to be insured
  • The Dates of Birth of those to be insured
  • Full Address and Postcode
  • Email Address for the Policy Holder
  • Telephone number

The UK Foreign and Commonwealth Office (FCO) publish up-to-date advice on every country and whether or not it's safe to travel there:  https://www.gov.uk/foreign-travel-advice