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Many people assume that if their home is damaged as a result of an act of terrorism then they will be protected financially either by their insurance policy or by the government.

Unfortunately this is not necessarily the case, the standard home insurance policy issued by most insurers has an exclusion of loss or damage caused by acts of terrorism which in itself has a broader definition than just the obvious damage that may be caused by for example a bomb. The actual nature of the loss varies from insurer to insurer with some using a total exclusion and others limited to terrorist acts of a certain nature.

What is the definition of terrorism?

Insurers use their own definition of terrorism but it remains fairly standard across the industry having been developed the definition will be

‘terrorism’ means the use of biological chemical and/or nuclear chemical and/or nuclear force or contamination and/or threat thereof by any person or group of persons whether acting alone or on behalf of or in connection with any organisation(s) or government(s) committed for political religious ideological or similar purposes including the intention to influence any government and/or to put the public or any section of the public in fear”

 What losses from terrorism are not covered under a home insurance policy?

The exclusion under a home insurance policy is fairly comprehensive and will be something similar to;

“any loss or damage or cost or expenses of whatsoever nature directly or indirectly caused or occasioned by or happening through or in consequence of terrorism or any action taken in controlling preventing or suppressing any acts of terrorism or in any way relating thereat”

I have previously checked and been told that I was insured for terrorism, is this incorrect?

You will need to check the terms and conditions of your current policy/latest renewal documents. Insurers attitudes and market practice has changed considerably over the last few years and whilst most inurers did offer some level of cover for terrorism on home insurance policies post 9/11 this practice has been superseded by the general exclusion.

Is terrorism insurance for homes available?

It is not generally available as an “add-on” to a home insurance policy, there are however specialist insurers who do offer the insurance on a separate policy. It is true to say that the cover is not available easily in all areas of the United Kingdom and certain areas are particularly difficult due to their strategic, political, commercial or military significance.

How do I buy terrorism insurance for my home?

if you wish to obtain a quotation for terrorism insurance on your home buildings or contents insurance you should contact your broker or call us direct for assistance.