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As a CBRN officer am I insured?
The answers have been provided by the Association of British Insurers (ABI) and are based on indications of market trends. The ABI advises that any emergency service worker who has concerns about their policy should first consult their policy document and consult with their insurer for any clarifications. The answers have been provided by the Association of British Insurers (ABI) and are based on indications of market trends. The ABI advises that any emergency service worker who has concerns about their policy should first consult their policy document and consult with their insurer for any clarifications.

1. Will my insurance policy payout in the event of a terrorist event?
Most individually purchased, stand-alone life insurance products do not contain terrorism exclusion clauses and would payout in the event of death in a terrorist incident. Health insurance policies, such as critical illness, have a number of standard exclusions and whether these would apply to a specific terrorist incident would depend on the particular circumstances. Individuals should read the terms and conditions of their policies and contact their insurers if concerned. War and terrorism are usually excluded from cover for personal insurance policies such as personal accident insurance, and for creditor insurance policies, such as mortgage protection.

2. Will my insurance premiums rise if I declare that I have been trained in decontamination processes or other training that may indicate that I would be deployed in response to a terrorist incident?
Insurance policies are based on individual circumstances. Workers who undertake particularly high-risk jobs may, in some circumstances, attract a higher premium for certain insurance products such as personal accident insurance. It is unlikely that new training or roles will affect premiums for emergency service workers. For life insurance, for example, insurers do not expect emergency service workers to declare any specialist training which may be deployed in response to a terrorist incident. A small number of products use occupation as a key determinant of risk and premiums for emergency service workers could change if their role changes, although this has not been applied to members of the armed services trained in CBRN warfare, for example. For these policies, any change in individual circumstances should be notified to insurers.

3. Will my employer compensate for any sum not paid out because of a terrorism exclusion?
Most individually purchased, stand-alone life insurance products do not contain terrorism exclusion clauses. These policies would payout if an emergency service worker were killed as a result of a terrorist incident. Separately, terrorism exclusions in personal insurance policies (such as personal accident insurance) and creditor insurance (such as mortgage protection) apply to all policy holders. Emergency service workers are not treated differently from other policyholders in relation to this exclusion.
Category: GENERAL, [42]