As the unfortunate events of recent years have shown us, terrorist attacks can be indiscriminate and don’t only occur in areas already steeped in conflict. While we hope that no one is the victim of a terrorist attack, we know that it’s important to have the right protection and peace of mind.

Terrorism cover enhances your existing travel insurance cover to include disruption to your travel and alternative travel arrangements if you’re already at your destination when the attack occurs.

If it’s necessary for you to return home after receiving medical attention for shock, stress or trauma following a terrorist event, we’ll cover you. It also covers cancellation before departure due to excessive delay.

And, should something happen to your baggage as a result of a terrorist act – whether this is damage, loss or even it not arriving at all – we’ll cover this up to certain limits.

Nature is unpredictable and extreme weather events are becoming more commonplace. There are certain regions of the world where natural catastrophes are likelier to occur, however it’s impossible to know for certain if or when something significant will occur, such as a volcanic eruption or a hurricane.

Our new add-on can bring peace of mind knowing that you’re covered if you find yourself at the mercy of Mother Nature before you leave, are in transit or while you’re on holiday. If your departure is delayed by more than 24 hours and you decide to call it a day, you can claim. And if you’re in transit or already at your destination and a natural disaster prevents you from continuing your holiday, you can claim then, too.

There are a few exclusions to mention on the Natural Catastrophe and Terrorism Cover. Please refer to the policy wording for full details. If you decide to abandon your holiday before it’s been delayed by 24 hours, we can’t cover you. Similarly, if you buy your cover after a terrorist event or natural catastrophe has been announced in the press, you wouldn’t be covered. In the case of delay and cancellation, you’ll need to try to claim compensation from all other relevant sources (like your airline or holiday provider) before we’ll consider a claim.

You won’t be covered for acts of terrorism that involve nuclear, biological or chemical weapons, or cyber terrorism.

Having cover for terrorist events doesn’t mean that you can travel to areas that the FCDO have advised against travel to. You are still limited by the same rules governing travel safety as general travel insurance.

It really depends how much you want to leave to chance and what extra reassurance you need. Especially if you’re travelling somewhere with a higher risk of natural catastrophes such as hurricanes or volcanic eruptions, adverse weather conditions, terrorism or unrest. Extreme weather events are happening more frequently these days.

While it’s impossible to predict if and when they’ll occur, natural disaster cover can provide reassurance that you’ll be covered if such events disrupt your holiday while you’re already there, prevent or delay you getting there by more than 24 hours, or mean you have to turn back home in transit.