31 January 2011

General exclusion applicable to all sections:

19) War (whether War be declared or not), Hostilities, Invasion or Civil War. For Personal Accident (Section 16) and Medical Expense (Section 1) benefits only this exclusion is amended as follows: This Policy does not cover death or disablement in any way caused or contributed to by war, whether war be declared or not, hostilities or any act of war or civil war when the Insured Person is taking an active part therein.


Question: I have purchased my policy prior to the civil unrests in Egypt, am I covered?

Answer: If you are already in Egypt, we will cover you for unexpected medical expenses, and/or personal accident benefits, should you be injured. There is no cover when you take part in any of the demonstrations, etc. You should avoid all public areas as per the travel advice issued by the fco. Cancellation costs are not covered by your policy (civil war/unrest is a general exclusion, except for medical and personal accident benefits).

Question: I have booked a trip to Egypt, however I have not purchased any travel insurance as yet. Can I purchase travel insurance to cover me against anything that might happen following the demonstrations?

Answer: We are unable to provide you with any cover, should you require assistance related to the demonstrations, act of terrorism, etc.

Travel advice for Eqypt >

Travel Summary

  • In light of the ongoing demonstrations, we continue to advise against all but essential travel to Cairo, Alexandria, Luxor and Suez. We recommend that travellers without a pressing need to be in Cairo, Alexandria or Suez leave by commercial means, where it is safe to do so. We advise against non-essential travel to Luxor. Essential transit by road between the port and airport in Luxor can take place during daylight hours. Travellers should observe instructions and advice by local security authorities and avoid public gatherings and disturbances.
  • If you are in other areas of Egypt where there have been disturbances, we recommend you follow the advice below and stay indoors wherever possible. The situation in Sharm el Sheikh is currently being reported as calm. However, the situation across Egypt is unpredictable and may change quickly. This does not affect transits through Cairo airport for onward travel to other destinations, although there is some disruption to flight schedules.
  • The nationwide curfew in place has been extended from 1500 to 0800 local time. You must respect the curfew and listen for announcements about any changes to the curfew requirements. The internet is currently not working and mobile phone coverage is intermittent.
  • If you are travelling to, through or from Egypt, you are advised to check with your airline or tour operator to confirm your travel plans. You should not travel to the airport without having a confirmed flight.
  • Over the past week there have been violent demonstrations in Cairo and other locations across Egypt and particularly in central Cairo, Alexandria, Luxor and Suez. The police have been using tear gas, rubber bullets and live ammunition to disperse demonstrators. There have been a number of deaths. There are also reports of gangs, sometimes violent, looting properties and shops in Cairo and Alexandria. You should avoid these areas. The situation is unpredictable and may change quickly.
  • Shortly after midnight on 01 January 2011 there was an explosion, believed to be from a suicide bomb, outside a Coptic Church in Alexandria. Reports state that at least 21 people were killed and over 80 were injured. Following the explosion there have been demonstrations, some violent, in both Alexandria and Cairo (Terrorism).