Eli Orzessek finds the answers to your travel questions.
I'm going on a trip to Europe next year, including France and the UK, and even though I know it's statistically unlikely, I still feel nervous about getting caught up in a terror attack due to all the bad news of the last few years. I haven't sorted any travel insurance yet, but I'm wondering if most policies will cover you if your trip gets disrupted by an incident like that?
Ann
I know the feeling — I was nervous about the same thing before I went to Germany this year, even though Travel Editor Winston Aldworth assured me I'd be more likely to get into an accident on the way to the airport. Which I now have a new anxiety about, thanks!
Anyway, I've tapped into the wisdom of the Insurance & Financial Services Ombudsman, Karen Stevens, for this one.
She says most travel insurance policies do not cover costs that are a result of, or related to, terrorism. Some policies offer limited cover, e.g. medical expenses, disablement/death, or capped payments for claims relating to terrorism.