What happens if you need to claim following acts of terrorism?
12 February 2011 12:41
Monday's bomb explosion at Domodedovo Airport in Moscow has left Russia in a state of shock and questioning a serious breach of security. Russian media have reported that the suspected suicide bomber detonated around 7kg of TNT, killing 35 people and injuring more than 100. One Briton is among the dead.
There has been a concentrated global effort to tighten airport security in the last ten years. But it's clear that, while extremely rare, acts of terrorism still represent a genuine danger for international travellers. And the disruption of a terrorist attack extends beyond the immediate impacts. Flights get delayed, re-routed and cancelled; thousands of passengers can end up having to make hasty amends to their holiday plans.
So it's extremely important to make sure that your travel insurance covers acts of terrorism. But figures from the FCO (Foreign & Commonwealth Office) suggest that as many as 40% of travel insurers do not cover terrorist acts. Is it worth the risk?
If you are caught in an act of terrorism and need emergency assistance, medical treatment abroad or emergency repatriation, you need travel insurance that covers claims arising from acts of terrorism.
Travel insurance specialists, World First Travel Insurance provide cover against acts of terrorism on all of their policies as standard. World First also cover their customers under the Personal Accident section of the policy and will provide a Hospital Confinement benefit if you are admitted to hospital following a terrorist incident.
Martin Rothwell, Managing Partner of World First Travel Insurance said, "Travel insurance is so important. People can spend thousands of pounds on a holiday of a lifetime and then not bother getting travel insurance to cover it. The cost of single trip travel insurance starts from as little as £7 so there really is no excuse not to protect yourself and your holiday.
"Cover for acts of terrorism does not come as standard through all travel insurance companies. Some will provide it as an added extra, whereas others may choose not to offer it at all. Unfortunately acts of terrorism are a consideration for insurers and anyone travelling should seek to find a policy that provides cover for this.
"I am sure that anyone who has experienced an act of terrorism would say that their travel insurance was not something they thought about at the time, but knowing you are covered for any emergency, medical or repatriation - should you need it, may help in dealing with the situation.
"I'd encourage anyone booked to travel or planning to travel this year to check their travel insurance documents to make sure they have the best cover they can get. Why risk it all when you can get cover for less than £10.00?"
What to do if you need to claim:
- First of all make sure you have the right level of travel insurance cover before you travel
- Contact your insurer as soon as possible with your policy details
- Explain the nature of the incident as you understand it
- Advise your insurer what your situation is and what assistance or treatment is being sought or carried out
One point it's important to note, however, is that it will be hard to seek any kind of cover, no matter who the provider is, if you are visiting a dangerous country and travelling against the advice of the FCO. And remember to be careful if you're searching for a bargain on your travel insurance. Check the details of your policy, because cheap policies often contain little cover.