P542 Teletext 542 Jul18 23:13:31 —————————————————————————————— BOMBS HIGHLIGHT LIMITS OF INSURANCE Bombs in London have again underlined the random nature of terrorism. Many of the victims were visitors to the UK. While most insurance policies exclude terrorist acts, major insurers usually take a sympathetic approach to those caught up in such unforeseen attacks. Many said they would consider claims resulting from the London attacks which killed over 50 people and injured at least 700^ ——————————————————————————————————1/6—— by Linsey McNeill ACCIDENT ADVICE HELPLINE ITV1 p385 Tax Credit&debt Holiday £ LifeCvrAdP542 Teletext 542 Jul18 23:13:44 U —————————————————————————————— BOMBS HIGHLIGHT LIMITS OF INSURANCE Travel insurers are not obliged to give cover for terrorist acts, but the industry's reaction to the London bombs shows they can ignore the small print. The Association of British Insurers said many were at least prepared to pay medical bills and personal injury claims from those caught up in the attack on the capital. Some even paid out for missed flight departures and cancelled holidays. ——————————————————————————————————2/6—— Are you a Premium Bond winner? 539 Great used car deals See Page 700 Tax Credit&debt Holiday £ LifeCvrAdP542 Teletext 542 Jul18 23:11:21 UU UU —————————————————————————————— BOMBS HIGHLIGHT LIMITS OF INSURANCE IRA bomb attacks on the City in 1992 and 1993 caused heavy damage, resulting in a changed approach to terrorism. The insurance industry formed a state- backed insurer, Pool Re, to deal with claims resulting from terrorist acts. ——————————————————————————————————3/6—— "Best buy" home loan rates 536 CALLz OR SEE p615 Tax Credit&debt Holiday £ LifeCvrAdP542 Teletext 542 Jul18 23:12:57 U UU —————————————————————————————— BOMBS HIGHLIGHT LIMITS OF INSURANCE Although travel insurers are ready to waive terrorism exclusion clauses for isolated incidents, such as the London bombings, it is not always guaranteed. So it's best to go for a policy that clearly states that it provides some cover in the event of a terrorist attack, even if this is limited. Try Marks & Spencer, Norwich Union and the Post Office, which do provide cover for medical bills and personal injury. ——————————————————————————————————4/6—— Latest rates on National Savings 540 ACCIDENT ADVICE HELPLINE ITV1 p385 Tax Credit&debt Holiday £ LifeCvrAdP542 Teletext 542 Jul18 23:27:29 UU U —————————————————————————————— BOMBS HIGHLIGHT LIMITS OF INSURANCE It's vital to read the small print of your insurance policy before you buy, to confirm what is and is not covered. If you are unsure - and often it may be unclear what you would be covered for if caught up in a terrorist attack - you should call the insurer direct. If travelling to a country against Foreign Office advice, you are unlikely to get travel insurance - even to cover medical bills and personal accident! ——————————————————————————————————5/6—— "Best buy" personal loans 546 ] ACCIDENT ADVICE HELPLINE ITV1 p385 Tax Credit&debt Holiday £ LifeCvrAdP542 Teletext 542 Jul18 23:10:12 —————————————————————————————— BOMBS HIGHLIGHT LIMITS OF INSURANCE Buying travel insurance as soon as you book your holiday means cover will be in place if you have to cancel due to unforeseen circumstances. Some travel insurers agreed to refund holidaymakers forced to cancel holidays after the London bombings, either due to injury to themselves or a relative. Those who had delayed buying insurance were unable to claim refunds, as travel firms are not obliged to pay out. ——————————————————————————————————6/6—— "Best buy" credit card deals 546 HAD AN ACCIDENT IN THE LAST 3 YEARS? SEE ITV1 p385 Tax Credit&debt Holiday £ LifeCvrAd