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Natural Catastrophe and Terrorism Cover >

Travel insurance is designed to protect against the unexpected; for the things we can’t plan for. So it makes sense that this doesn’t stop at an unexpected tummy bug. That’s why we’ve introduced Natural Catastrophe and Terrorism Cover, available for an additional premium.

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Enhanced protection for unforeseen events

Our Travel Insurance already provides cover for medical assistance if you’re injured by terrorism or as a result of a natural disaster. You may need more than the standard help available in these situations, and this new add-on could give you the added protection you need.

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What’s covered?

Terms and conditions apply. Please see policy wording for full details.

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Cancellation of your trip

Should a natural catastrophe or terrorist event happen within 20km of your arrival point or your pre-booked accommodation and it takes place within the 7 days before you are due to leave, you can decide that you don't want to go. >

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Abandonment before you leave

If a terrorist event or natural catastrophe prevents you from being able to leave from your departure point, after 24 hours or more of delay then you can make a claim to cancel your trip. >

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Disruption after you’ve left

If you’ve left the UK and a terrorist event or natural catastrophe prevents you from making it to your destination or returning home, you may be able to claim for additional accommodation and travel expenses you are required to pay. >

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Cutting your trip short

If you’ve needed inpatient or outpatient treatment for shock, stress or trauma following a terrorist attack or natural catastrophe and it’s necessary for you to return home, we’ll cover the cost. The same conditions and limits will apply, as those under cancelling or curtailing your trip.

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Why choose Post Office?

  • Added protection for your baggage
  • Cancellation of your trip in some circumstances
  • Choosing to come home in some circumstances
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    Our awards speak for themselves †

    At the British Travel Awards, we’ve won one of the Best Travel Insurance Provider awards.

Silver British Travel Awards 2018
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Natural Catastrophe and Terrorism Cover FAQs

What is terrorism cover?

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.

What is natural catastrophe cover?

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.

What isn’t covered?

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.

Where can I travel with terrorism cover?

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

Still have questions about travel insurance?

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Travel Insurance cover types

Single Trip

  • Cover for a one-off trip in the UK or abroad.
  • Perfect for one-off trips or longer holidays up to 365 days >

Annual Multi-Trip

  • Cover for multiple trips for a 12 month period
  • You can go away multiple times in the policy year with various trip durations available >
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Definitions

> Terms and Condition's apply. Only available on Economy, Standard and Premier policies.


† Post Office has won a 'Best Travel Insurance Provider' award each year from 2006 to 2015 and won the Silver award from 2016 to 2018 at the British Travel Awards.

 

Small Print

 

Post Office® Travel Insurance is arranged by Post Office Limited and Post Office Management Services Limited. 

 

Post Office Limited is an appointed representative of Post Office Management Services Limited which is authorised and regulated by the Financial Conduct Authority, FRN 630318. Post Office Limited and Post Office Management Services Limited are registered in England and Wales. Registered numbers 2154540 and 08459718 respectively. Registered Office: Finsbury Dials, 20 Finsbury Street, London EC2Y 9AQ. Post Office and the Post Office logo are registered trademarks of Post Office Limited.

 

For Economy, Standard and Premier Policies

 

Post Office® Travel Insurance is underwritten by Great Lakes Insurance SE, UK Branch, and administered by Collinson Insurance Services Limited, FRN 311883.

 

Great Lakes Insurance SE is a German insurance company with its headquarters at Königinstrasse 107, 80802 Munich. Registered number of HRB 230378 in the commercial register. UK Branch office: Plantation Place, 30 Fenchurch Street, London, EC3M 3AJ. Great Lakes Insurance SE, UK Branch, is authorised by Bundesanstalt für Finanzdienstleistungsaufsicht and subject to limited regulation by the Financial Conduct Authority and Prudential Regulation Authority under FRN 769884. Details about the extent of its regulation by the Financial Conduct Authority and Prudential Regulation Authority is available on request.

 

Collinson Insurance Services Limited is registered in England & Wales, registered number 758979. Registered Office: Cutlers Exchange, 123 Houndsditch, London, EC3A 7BU. Collinson Insurance Services Limited is authorised and regulated by the Financial Conduct Authority, FRN 311883.