Countries and regions where our insurance cover may be affected

Countries & regions where we cannot provide insurance cover

There are certain countries and regions where we cannot provide insurance cover due to political or regulatory reasons, or because sanctions prevent us from doing so.

If an insured event that gives rise to a claim occurs while you’re in one of the countries below, we won’t pay that claim—regardless of whether your presence in that country is permanent or temporary.

If you take up residence in any of the countries below, your insurance cover will automatically cease.

• Iran
• Libya
• North Korea
• South Sudan
• Syria
• Yemen

Countries or regions the UK Foreign, Commonwealth & Development Office has advised its citizens to leave

We won’t pay any insurance benefit if your claim arises from, or relates to, war, terrorism, kidnap, murder, assault of any kind, or any other act of violence sustained while you are in a country or region that the British Foreign, Commonwealth & Development Office (FCDO) has advised its citizens to leave—regardless of whether your presence in that country is permanent or temporary.

Visit the FCDO website for the latest advice on a particularly country or region.

Countries where there are sanctions

We cannot provide you with services or pay any insurance benefit if, in doing so, we violate (or we risk violating) any applicable sanctions, laws or regulations—including those set by the authorities in the UK, the EU, and the USA (e.g., the Office of Foreign Asset Control).

What should I do if I have questions?

If you have any questions or concerns about the countries where your insurance cover may be affected, please email contact@william-russell.com.