Do you need insurance to protect yourself from terrorism when abroad?

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Insurance analysts are encouraging potential holidaymakers to purchase terrorism cover before going on holiday. Following reports released by the United States government, the insurance agency, Insure and Go has called on other insurance providers to include terrorism cover as part of standard travel cover.

Data collected by the US National Counterterrorism Center (NCTC) has suggested that the number of terrorist attacks has increased by a staggering 6,000% since 2003. Over 40,000 people have been killed in terrorism-related violence during the last 4 years.

The vast majority of travel insurance policies currently on offer by UK providers do not include terrorism cover. Insure and Go is the first insurer in the country to provide holidaymakers with specific protection should they fall victim to terrorism. According to Insure and Go director, Perry Wilson: "Considering that tourists are becoming much more adventurous in their holiday choices, increasingly travelling to areas like the Middle East, South-East Asia and South America, where terrorism is a much more common occurrence, it's outrageous that terrorism exclusions on travel insurance policies have not been removed already."

Before purchasing travel insurance cover check to see if it provides:

However, be warned that certain anti-terrorism cover will only protect you should you be affected by terrorism in a country deemed safe by the Foreign and Commonwealth Office. If you choose to vacation in a high-risk area, then you will have to deal with potential costs yourself.

So how concerned should you be? If you are choosing to vacation in parts of the Middle East, then it might be advisable to consider purchasing such a policy. But bear in mind a few points before buying travel cover. Most of the 40,000 deaths recorded above occurred in hot-spots such as Iraq and Afghanistan, which are hardly likely to attract tourists any time soon.

Furthermore, these policies do not always provide you with cover against kidnapping. If you are planning a holiday in South America, Egypt or parts of West Africa, this is more likely to be more of a worry for you. Carefully read the fine print associated with your insurance policy. Lastly, ensure that you are aware of any last-minute changes in the political and security situation in your destination country. These simple steps can help you plan for a safe yet fun-filled holiday.


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