Under your CoverForYou travel insurance policy, war includes more than officially declared conflicts between countries.
The policy definition covers a range of military actions, hostile activities, civil disturbances and other forms of conflict, whether war has been formally declared or not.
For the purposes of your policy, the definition includes:
Acts of war: Armed conflict or military action between countries or opposing forces.
Invasion: The entry of armed forces into another country or territory.
Acts of foreign enemies: Hostile actions carried out by foreign powers or their forces.
Hostilities or warlike operations: Military or hostile activities, whether war has been officially declared or not.
Civil war: Armed conflict between groups within the same country.
Terrorism: Acts of terrorism as defined within your policy.
Rebellion, revolution or insurrection: Attempts to resist, overthrow or challenge an established government or authority.
Civil commotion or unrest: Serious public disorder resembling an uprising.
Military or seizure of power: The taking of governmental or political control by military or other forces.
Nuclear, chemical or biological attacks: Attacks involving nuclear, chemical or biological agents.
No. A formal declaration of war is not required for an event to fall within your policy's definition.
Hostilities, warlike operations and other events listed above may fall within the definition even when no government has officially declared war.
Your policy contains terms and exclusions relating to war and other events included in this definition.
Whether a particular claim is covered depends on:
The circumstances and cause of the incident.
The section of your policy under which you're claiming.
The relevant exclusions and any applicable exceptions.
Important: An event falling within the definition of war does not, by itself, explain how every policy benefit will respond. You should check the exclusions and conditions of the relevant section of your policy.
You should also check the latest Foreign, Commonwealth & Development Office (FCDO) travel advice before travelling.
Please note: This article explains the definition of war used in your travel insurance policy. All cover remains subject to your policy's terms, conditions, exclusions, limits and any applicable excess.
