Policy Cover

War Risks and Civil Hazards

(a) any sort of war, hostility, invasion, revolution, act of foreign enemy, civil war or unrest, rebellion, and insurrection, or military usurped power (and whether declared or not) or United Nations or NATO enforcement action.

(b) Explosion of war weapon(s), utilisation of chemical weapons or biological weapons, the release of weapons of mass destruction, act of an enemy foreign to the nationality of the Insured Person or of the country in which the act occurs.

Active Service/Taking part

Active service is defined as any participation in The armed forces of any nation, as hired or voluntary part of a terrorist group, or any revolutionary -or peacekeeping force.

ETI Policies cover you provided that you are not taking part in any active service - (see above)

(a) and provided that your presence in such country or area is:
(i) attributable to the scheduled transit or stopover not exceeding 24 hours of an aircraft or sea vessel in which You are travelling, or
(ii) attributable to involuntary diversion or transit due to Hijack, Kidnap or other occurrence beyond the Insured Person’s control, provided always that at the time of such Hijack, Kidnap or occurrence the Insured Person was not within the confines of any country or area to which events such as war, invasion, civil war, armed hostility, rebellion, revolution, overthrow of a legally constituted government, insurrection of military or usurped power was applicable, nor travelling to or from such country or area;

(b) for a maximum period of 3 days from the start of the hostilities or of the insurrection, where you are surprised by such events (whilst out of your country of residence) in a country which, until that time was in a state of peace.

ETI may cover a corporate journey to an area, which is regarded as a War Risk and Civil Hazard area subject to additional premium, Policy Excess and cover limitations stipulated by ETI.