Crisis Response Benefits and Events

Benefits

INSURED BY

When travelling to high risk and frontier markets, your safety and protection is of paramount importance.

With the First Allied Crisis Response plan you can rest easy in the knowledge that should the unthinkable happen, you will have specialist support from expert Crisis Consultants who will assist and guide you through the safest and most appropriate procedures to follow.

Crisis Consultant Costs

Fees and costs of the Crisis Consultants appointed by the insurer with respect to a crisis. The fees and costs shall be submitted by the Crisis Consultants to the insurer for approval and reimbursement under this protection program. Consultants costs are limited to fees or costs incurred within the Crisis Coverage period.

Limits of Liability:

USD 250,000 for any one crisis involving a protected person 
USD 15,000 additional expenses arising out of all crises under all covered events combined

Crisis Coverage Period:

30 days (except for insured Event 3.6 Terrorism at 10 days)

Policy Territory:

Worldwide.

Extra Expenses

The below benefits cover additional costs incurred by the Protected Person acting upon the direct instructions of the Crisis Consultants. This section is limited to USD 15,000 as shown in the schedule - available for download here.

Extra Expense is limited to costs involved within the Crisis Coverage Period.

Extra Expenses shall include, but is not limited to, the following expenses incurred as a result of a covered event:

  • Emergency Political Evacuation Benefit
  • Legal Expenses
  • Independent Interpreter fees
  • Relocation, Travel and Accommodation


 

RANSOM REIMBURSEMENT (if selected)

In the event of Kidnapping, The underwriters agree to indemnify the assured up to USD 150,000 in respect of the following insured losses occurring during the period of insurance, subject to the following terms, conditions, exclusions and definitions:

1. Underwriters shall be liable in the event of a kidnap in respect of ransom only. (UK Terrorism Legislation 2016)

 


Covered Events

IN ASSOCIATION WITH

To help you fully understand the benefits available with our Crisis Response Plan, a description of each covered event is shown below.

Crisis

Crisis means any decisive, unstable or crucial time resulting from an unforeseen covered event which has directly caused or has the potential to cause serious bodily harm, detention or death to a Protected Person. Any Crisis or Crises arising out of, based upon, or attributed to related, continuous or repeated covered events shall be considered to be a single Crisis for the purpose of cover.

Wrongful Detention

The involuntary confinement of a Protected Person by any person(s) acting as agents of or with the tacit approval of any government entity, or acting or purporting to act on behalf of any insurgent party, organisation or group.

Kidnapping

Any event or connected series of events of seizing, detaining or carrying away by force or subterfuge of one or more Protected Person(s) by any third party for the purpose of demanding a ransom.

Blackmail and Extortion

The making of illegal threats specifically to a Protected Person to:

  1. kill, injure or abduct a Protected Person(s); or
  2. damage property
  3. disseminate, divulge or use trade secrets; by persons who then demand a ransom as a condition of not carrying out such threats.

Political Threats

Political and/or military events which have created a situation in which the Protected Person is in danger of or has incurred serious bodily harm.

Disappearance

The complete and unexpected loss of contact with the Protected Person during a period of travel for a period in excess of 48 hours.

HiJack

The unlawful seizure of or wrongful taking control of an aircraft, ship, train or other service vehicle in which a Protected Person is travelling. The illegal holding under duress for a period in excess of six hours of Protected Person whilst travelling on an airplane, vehicle or watercraft.

Terrorism (subject to Crisis Coverage Period sub-limit of 10 days)

An Act of Terrorism which directly affects the Protected Person's safety. Act of Terrorism means an act, including but not limited to the use of force or violence and/or threat thereof, of any person or group(s) of persons, whether acting alone or on behalf of or in connection with any organisation(s) or government(s), committed for political, religious, ideological or similar purposes including the intention to influence any government and/or to put the public, or any section of the public, in fear.

Violent Crime

Any act or threat of violence to a Protected Person which causes, or is likely to cause, death or serious bodily injury.

Download and view the Policy Wording

UK Terrorism Legislation 2016

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