Common questions about Conflict Cover — what it covers, how NGS emergency assistance works, and how to get support when you need it.
Conflict Cover is for people working or travelling in high-risk environments, including conflict zones, politically unstable regions, and remote locations where standard insurance often does not apply. It is commonly used by journalists, NGO workers, contractors, and organisations deploying teams overseas.
Most travel insurance excludes conflict zones, high-risk work, and unstable regions. Conflict Cover is built specifically for these environments. It combines insurance cover with a 24/7 global response service, so support can be arranged quickly if something goes wrong.
No. Conflict Cover is a personal accident policy. It is designed to provide financial protection and emergency support, not full private medical insurance.
The policy provides personal accident cover, including accidental death, permanent disability, and temporary disablement. It is designed to protect individuals and groups working in higher-risk environments. See the full policy breakdown for details.
Conflict Cover does not include kidnap and ransom cover, detention or arrest cover, or political evacuation. If you require these, they need to be arranged separately through specialist providers.
Yes, this policy is specifically designed to provide cover in conflict zones and high-risk areas, subject to the terms of the policy. Always check that your destination and activities are declared correctly when arranging cover.
Most countries can be covered, including high-risk and conflict-affected regions. However, cover depends on accurate disclosure of where individuals are working. Always confirm locations when arranging the policy. Browse our full A–Z of covered locations.
No, it does not cover travel delay, loss or damage to baggage and personal items.
Yes, we provide follow-on cover. If you are injured while covered, your protection continues when you return home. Any eligible personal accident benefits can still be paid, in line with the policy terms. Many insurers stop cover at the point you leave the country of incident. We do not. This ensures continuity of protection when you need it most.
Northcott Global Solutions (NGS) are our global assistance and response partner. They operate a 24/7 operations centre in the UK and coordinate medical support and emergency response worldwide. Their emergency line is available around the clock — contact details are on our emergency assistance page.
If there is a medical emergency or serious incident, you contact NGS directly. They will assess the situation, arrange medical treatment, coordinate care locally or internationally, and guarantee payment where required. This means you are not left trying to organise support yourself.
In most cases, no. NGS can arrange treatment and provide a guarantee of payment to the medical provider, so you are not expected to fund care yourself at the point of need.
Yes, wherever possible. You must contact NGS as soon as you can in an emergency. If you do not, it may affect how your claim is handled or paid.
For non-emergency claims, you can submit a claim through our website. For emergencies, contact NGS immediately — they will open a case and guide you through the process. Visit our emergency claims page for guidance.
Claims are assessed as quickly as possible once all required information is provided. Emergency cases are handled in real time through NGS, with support arranged immediately where needed.
Yes. Conflict Cover is designed to cover individuals and groups, including organisations deploying teams in high-risk areas. We can structure cover to reflect where people are working and the level of risk involved. See our corporate cover options for organisations.
Yes, depending on how your policy is set up. Group policies can usually be adjusted to reflect changes in personnel. Speak to us and we'll guide you through it.
Make sure your policy is in place, your locations and activities are correctly declared, and you have NGS contact details accessible. If in doubt, check with us before you travel.
For emergencies, contact NGS immediately. For policy questions, contact our team. You are not expected to handle complex situations alone. Support is available when you need it.
Emergency?
If you are in immediate danger or need urgent medical assistance, contact NGS now. Do not wait.