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| Terrorism |
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ETI’s view of terror risks is that insured persons travelling in good faith, who innocently are victimised by an act of terror should be covered for the consequences of such incident (with only a few exceptions).
ETI’s stance is rather unique in the travel market, but will be sustained as long as we are able to obtain suitable reinsurance cover at an acceptable premium.
1.Definitions
Terrorism
An act of Terrorism means an act including but not limited to the use of force or violence and/or the threat thereof, of any person or group(s) of persons, whether acting alone or on behalf of or in connection with any organisation(s) of government(s), committed for political, religious, ideological or ethnic purposes or reasons including the intention to influence any government and/or to put the public, or any section of the public, in fear.
Nuclear, Chemical, Biological, Terrorism Act
“A Nuclear, Chemical, Biological Terrorism Act” shall mean the use of any nuclear weapon or device or the emission, discharge, dispersal, release, or escape of any solid, liquid or gaseous chemical agent and/or biological agent during the period of this insurance. “Chemical” agent shall mean any compound which when suitably disseminated produces incapacitating, damaging or lethal effects on people, animals, plants or material property. “Biological” agent shall mean any pathogenic (disease-producing) micro-organism(s) and/or biologically produced toxin(s) (including genetically modified organisms and chemically synthesised toxins) which cause Illness and/or death in humans, animals or plants.
2. TERRORISM - Cover and Exclusions
Most ETI policies cover the consequences of an act of terrorism under the major sections of cover – Medical Expenses, Repatriation and Hijack/Kidnap.
The Policies does not cover the consequences of an act of Terrorism
(a) when the incident is covered by government or public authority compensation
(b) leading to a Cancellation and Curtailment due to fear of travelling or any cancellation if the public means of transport is not departing to the destination as a consequence of or fear of the act of Terrorism
(c) in the form of a Nuclear, Chemical or Biological act
(d) in areas which are regarded by ETI as War Risks and Civil Hazards areas and/or in areas in which You are travelling against the advice of the Foreign and Commonwealth Office (FCO).
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| ETI is represented in: Australia, Austria, Belgium, Brazil, China, Cyprus, Czech Republic, Denmark, England, Finland, France, Germany, Holland, Indonesia (Bali), Italy, Nepal, New Zealand, Norway, Poland, Slovak Republic, South Africa, Spain, Sweden, Switzerland, Thailand, Turkey and USA. |
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