The Central African Republic is one of the clearest examples of why specialist insurance matters. It is a fragile environment where instability, access and infrastructure can all affect what meaningful cover needs to do.
This is specialist cover designed for NGOs, journalists, contractors, researchers and operational teams working where standard insurance is unlikely to reflect the real operating conditions.
What's included
The Central African Republic is not just difficult because of instability.
Access, infrastructure, local medical support and evacuation options may all be limited in practice. Serious travellers and organisations need cover that reflects the truth of the environment.
Yes — Conflict Cover provides specialist insurance for Central African Republic.
Subject to full disclosure of your assignment, operating area and security arrangements. This cover is designed for journalists, NGO workers, contractors and other non-combatants who have a legitimate professional reason to be there.
Country context
The situation
The Central African Republic is one of the world's most fragile states. Armed groups — most notably the CPC (Coalition of Patriots for Change) and multiple other factions — control large swaths of territory outside Bangui. The government has increasingly relied on Russian Wagner Group (now Africa Corps) support, which has transformed the security dynamic at the cost of documented atrocities against civilians and interference with humanitarian operations.
MINUSCA (UN peacekeeping mission) and various humanitarian organisations have maintained a presence throughout, but the environment is extremely dangerous. Multiple aid workers have been killed, and the intersection of Wagner/Russian interests with humanitarian operations has created new risks for international staff perceived as connected to Western governments.
For non-combatants working in CAR, the environment is among the most challenging in Africa. Outside Bangui, virtually all movement requires security arrangements. MINUSCA protection is not reliable. Wagner/Africa Corps may view international organisations as opponents.
What to watch
Why it can be challenging
Wagner/Africa Corps hostility to international humanitarian operations
Wagner personnel and associated Rwandan forces in CAR have detained international NGO staff, seized property and conducted disinformation campaigns against humanitarian organisations. Being perceived as anti-Russian is a specific risk.
Armed groups controlling most of the country outside Bangui
Multiple armed groups — former Séléka, anti-Balaka, CPC and others — control prefectures outside the capital. Armed group checkpoints, extortion and attacks on convoys are routine outside Bangui.
Deliberate attacks on humanitarian workers and facilities
Aid workers have been killed in CAR with concerning frequency. Ambushes on NGO vehicles, raids on facilities and targeted killings of individual aid workers have all occurred. MINUSCA protection is inconsistent.
Extreme operational difficulty and absent infrastructure
CAR's road network is minimal and heavily affected by seasonal flooding. Air transport is essential for reaching most field locations. Emergency evacuation requires dedicated aircraft that may not be immediately available.
Can you get insurance for the Central African Republic?
We provide specialist insurance for non-combatants travelling to the Central African Republic for professional and operational reasons.
Cover depends on accurate disclosure of where you are going, what you are doing and the conditions likely to affect the work.
Why this matters in the Central African Republic
The Central African Republic is not just difficult because of instability. It is also difficult because access, infrastructure, local medical support and evacuation options may all be limited in practice.
That means serious travellers and organisations need cover that reflects the truth of the environment and gives them a clearer route to support if something goes wrong.
Practical relevance
Cover for NGO and field teams operating in a fragile environment where the combination of risk factors is as much a challenge as any single threat.
Medical treatment following an incident where local facilities may be limited and coordinated external support is required.
Evacuation where distance, access or infrastructure limitations affect how quickly a response can be coordinated and delivered.
Support for teams working under pressure in unstable conditions where access to meaningful help is part of what the cover needs to provide.
Emergency support
NGS provides 24/7 support and can coordinate treatment, evacuation and onward care where required.
Continuity
Yes. Eligible personal accident benefits can continue after return, subject to the policy terms.
Exclusions
This policy protects people, not possessions.
Cover not included
Activity exclusions
Property exclusions
Threat intelligence
For a deeper understanding of the current situation, including operational risks and regional dynamics, see our threat intelligence hub.
Common questions
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