Preparing for policy changes after the US terror attacks.

Q: Are the events of September 11 going to fundamentally change the terrorism or war exclusion contained in commercial and domestic policies?

A: Almost certainly, but at this stage it is difficult to say how
this will take shape.


Certainly, the tragic events have already refocused the main players'
attitude to this risk. I do not think we will see a unilateral
exclusion.


Insurers responded thoughtfully after the London Bishopsgate and Baltic
Exchange bombs and they took a similar view in relation to other attacks
such as those in Manchester and Warrington.


We have got to remember that many of our policies due for renewal may not
fall for

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ABI records 3% home premiums rise in Q1

Average home insurance premiums for buildings and contents cover rose by 3% to £375 in the first quarter of this year, pushing the year-on-year rise up to 19%, according to the Association of British Insurers.