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Terrorism Insurance


Whilst terrorism is a harrowing topic, it is a real threat to many blocks of flats. Terror threat levels in the UK have been fluctuating between ‘severe’ and ‘critical’ since August 2014, with the capital and provincial cities being considered at the highest risk. It has never been more important to be aware of how to protect yourself against the unexpected – and being aware of how to protect your home is a logical place to start.


Why is Terrorism Insurance cover important?

Terrorism cover is sometimes viewed as an ‘opportunistic’ insurance policy, although this view is highly misguided. Terrorism Insurance policies around the UK are an essential component of financial protection for blocks of flats and offer substantial cover in case of any damage to your building.

Having a Terrorism Insurance policy in place for your block of flats is especially important as it is a specialist type of cover you won’t achieve anywhere else. Whilst your Buildings Insurance policy will protect your block against accidental and malicious damage, it will not be able to cover any damage caused by a terror act.

This means that, if you do not have a UK Terrorism Insurance policy in place and your building suffers damage from an attack, you won’t be able to make a claim. The potential financial liability of this alone can be devastating.

Unfortunately, this has happened in the past. Following the Baltic Exchange bombing in 1993, the insurance market was not equipped to deal with the monumental cost of claims, leading to a severe market failure. Moving forward, UK Terrorism Insurance policies have become a staple product in the insurance industry in order to prevent such an extensive terror-related financial crisis from happening again.


What will my Terrorism Insurance policy cover?

The Terrorism Insurance policy offered by Flat Living Insurance will provide cover for your block of flats in the event of damage caused by an act of terror.

  • 12-month policy: Simply renew each year alongside your Buildings Insurance.
  • Added as an additional to your Buildings Insurance premium or sold as a separate policy if your block is insured with another provider.
  • Protects your block against fire, explosion and terror damage.

How do I know if I need a Terrorism Insurance policy?

The Council of Mortgage Lenders states that insurance needs to be arranged in accordance with the requirements of your mortgage lender. In short, check your lease. It will tell you whether Terrorism Insurance cover is a requirement for your property. If it is, you are legally obligated to ensure you have this cover in place each year.

Remember, your Buildings Insurance policy will not be able to provide financial cover for any damage caused by a terror act. Cover can only be achieved through a Terrorism Insurance UK policy. At Flat Living Insurance, we offer our Terrorism Insurance policy as an extra to your Buildings Insurance cover. However, if your block of flats is insured elsewhere, we can also provide you with a stand-alone Terrorism Insurance policy.

Don’t leave your residents at risk. Get in touch today to secure your cover.


Get your Terrorism Insurance policy quote:

Please email info@flatlivinginsurance.co.uk with your postcode and the Declared Value (or Sum Insured if not stated) shown on your current insurance policy for a quote today.

Other products you may be interested in:

Buildings Insurance for Blocks of Flats

Directors and Officers Liability Insurance

Lift Insurance and Inspection

Legal Expenses

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WV1 4DJ

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Flat Living Insurance is a trading name of MYB Solutions Limited who is an  Appointed Representative for Residentsline Limited who is Authorised and Regulated by the Financial Conduct Authority: 305998

Registered Office: 29 Waterloo Road, Wolverhampton WV1 4DJ

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