Each year thousands of innocent people worldwide are injured, killed or have their travel plans shattered by acts of terrorism.

Terrorism is a standard exclusion in insurance policies. Increasingly insurers are offering some cover, but not the all-encompassing insurance you'd have following a natural disaster.

The issue vexes me and I did some digging to find out what would happen to me if I was injured, but not killed in a terrorist attack.


The Insurance Council of New Zealand's chief executive, Tim Grafton, tells me insurers can't offer the same cover for terrorism as other risks because their reinsurers,