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Am I covered if there were to be a terror-related attack?

Your cover for a terror-related incident varies depending on the policy you have purchased. The following statements have been taken directly from the relevant Policy Wordings.

Direct Travel or Allsafe (Allianz)
This policy does not provide cover for any loss that results directly or indirectly from any of the following general exclusions if they affect you, a travelling companion or a family member:
30. Terrorist events, except under Emergency Medical/Dental Cover Abroad or Emergency Transport.

Fit2Travel (Arch)
We will not cover any loss, damage, death, disablement or expenses directly or indirectly occasioned by, happening through or in consequence of war, invasion, acts of foreign enemies, hostilities (whether war be declared or not), civil war, rebellion, revolution, insurrection, Acts of Terrorism, military or usurped power or confiscation or nationalisation or requisition or destruction of or damage to property by or under the order of any government or public or local authority.

This exclusion will not apply to Section B8 – If you need emergency medical treatment abroad, providing you did not travel against the advice of the Foreign, Commonwealth and Development Office (FCDO).

Freespirit (Canopius)
We will not pay any claim arising directly or indirectly from:
19) war, act of terrorism, nuclear risks, hostilities (whether war be declared or not), civil war, rebellion, revolution, insurrection, military or usurped power, civil commotion, confiscation or nationalisation or requisition or destruction of or damage to property by or under the order of any government, public or local authority.

This exclusion shall not apply to claims under Section B1 - Emergency Medical & Associated Expenses providing:
the act of terrorism is not of a nuclear nature; and at the time of travel you are not travelling to a country or area that the Foreign, Commonwealth & Development Office lists as a place which they either advise against all travel to, or all travel on holiday.

Goodtogo (Red Sands)
You are not covered under any section, unless specified, for any of the following circumstances:
24. In respect of all sections other than emergency medical expenses; war, terrorism, biological or chemical warfare, invasion, act of foreign enemy, hostilities (whether war has been declared or not), civil war, rebellion, revolution, insurrection or military or usurped power.

Related FAQs

  1. How do I make a claim in the event of poor weather?
  2. Am I covered for disruption due to natural disasters?
  3. Am I covered for travel disruption caused by the Icelandic volcanic ash incident?
  4. Am I covered to drive abroad?
  5. Can I cancel my policy if it does not meet my needs?
  6. Can I extend an individual trip policy from abroad?
  7. Can I increase the personal possessions limit?
  8. Can my family travel independently on an annual policy?
  9. Can we be insured as a couple on the same annual policy?
  10. Do you cover cruises?
  11. Do you provide cover for Scheduled Airline Failure?
  12. How do I get adequate liability cover for driving in USA?
  13. How do you define UK resident?
  14. How many days can I be abroad on an annual policy?
  15. How much are my golf clubs insured for?
  16. Is it possible to extend the trip limit on the annual policies?
  17. Is the cover per person or per policy?
  18. Is there an excess?
  19. Should I contact you each time I travel on my annual policy?
  20. What is the EHIC?
  21. Should I take an EHIC card?
  22. What does a single or individual trip mean?
  23. What if my Travel Agent is forcing me to take their insurance?
  24. What if my travel plans are affected by extreme weather conditions?
  25. What if the staff from the airline I am travelling with go on strike or threaten industrial action?
  26. What is the single article limit?
  27. Can I cover my gadgets whilst abroad?
  28. When is travel insurance necessary?
  29. When does travel insurance need to be purchased?
  30. Am I covered if there were to be a terror related attack?

Need help?

UK Customer Services0330 880 3600*

Mon - Fri 9am - 5pm, Sat 8.30am - 4pm, Closed Sunday.

*Calls are recorded for training and monitoring purposes.

UK Emergency Assistance

Direct Travel (Allianz) - 01444 465 553 

AllSafe (Allianz) - 01444 465 553

Fit2Travel (Arch) - 01243 621 501

Freespirit (Canopius) - 0203 819 7170

Goodtogo (Red Sands) - 01444 465 573

Available 24 hours a day, every day.