Acts of Terrorism

We hope the information below will help answer your questions about how a terrorist attack affects your travel insurance policy.

  • There is no cover under the travel policy for claims arising directly or indirectly out of terrorist activity (except claims under the Medical Emergency and Personal Accident sections).
  • For customers stranded in Brussels whose flights have been cancelled, please check with your airline, which is required by EU Regulation to assist with additional accommodation, food expenses and rearranging a flight back to the UK.
  • For customers who have not yet travelled and your travel organiser/airline cancels your trip, full refunds should be provided by the organisers.
  • Customers whose trips have not been cancelled by the travel organiser but you do not wish to travel, the FCO (Foreign & Commonwealth Office) is not advising against travel (but please keep checking their web site for up to date advice) and therefore there is no cover for these cancellations under the terms of the travel policy. Please check with your travel organiser to check your options.
  • In the event the travel organiser or you changes the travel dates and/or destination of the trip, a single trip insurance policy will be amended to cover the revised trip (provided there is no claim intimated under the original policy). This will be free of charge unless you travels to a higher rating area.
  • If your trip is cancelled (either by the organiser or by you) and these are not rearranged, we shall allow a full refund of a single trip premium (provided there is no claim intimated under the policy).

Please also refer to any statements issued by the Foreign & Commonwealth Office (, the Association of British Insurers ( and the Association of British Travel Agents (