Travel insurance and terrorism
Travel insurance with terrorism cover
No-one wants to think about an act of terror happening while you’re on holiday, but they can happen – which is why having the right cover in place can be so important
No-one wants to think about an act of terror happening while you’re on holiday, but they can happen – which is why having the right cover in place can be so important
As the name suggests, terrorism insurance pays out if your travel is affected by an act of terrorism. A separate add-on policy is needed because standard travel insurance policies do not pay out for losses caused in this way.
An act of terrorism is defined as either:
Many people are not aware that losses arising out of acts of terrorism are specifically excluded by their travel insurance policy. Certain standard policies would pay if someone were injured or killed in a terrorist incident, but even they would not meet other losses, such as cancellation or loss of belongings.
With terrorist activity at high levels in many countries, there is growing interest in plugging the gap that exists.
When you buy a terrorism travel insurance policy, you’ll get the following cover:
Terrorism travel insurance policies will only cover you for claims relating to acts of terror – it’s not a replacement for your main policy. This means you’ll still need to take out standard cover for medical treatment, cancellation not resulting from terrorism, and everything else you’d generally include in travel insurance.
Terrorism insurance policies extend worldwide, however you won’t be covered if you’re travelling to, from or through the following countries:
You’ll be able to take out a policy as:
Terrorism travel insurance policies from are available for individuals, couples and families – which will cover children under 18. Anyone over 18 must have their own policy.
You’ll be able to take out cover whether you’re travelling for leisure or business.
There are no age limits on terrorism travel insurance policies, and you won’t have to go through a medical screening.
If you’re claiming for cancellation or curtailment you’ll need to pay £100 in excess, and for personal possessions, passports and travel documents it will be £75.