War Insurance Claims

Get the best outcome with expert war risk claim support

War is excluded from almost every standard property, business interruption and motor policy, so a war loss can usually only be recovered under specialist cover, such as a political violence policy that includes war and civil war, or war risks cover for marine hull, cargo or aviation. These policies use precise wordings, and insurers will examine closely whether the event falls within the insured perils. Our team manages your claim from first notification to final settlement, so nothing is left on the table.

What War Insurance Covers

Depending on your policy wording, war risks cover can respond to:

• War & Civil War: Physical loss or damage caused by war (whether declared or not), civil war, invasion and acts of foreign enemies.
• Missile, Drone & Explosive Damage: Damage caused by missile, rocket or drone strikes, falling debris and the fire or explosion that follows.
• Hostilities & Warlike Operations: Loss arising from military action and warlike operations, including collateral damage where the wording allows.
• Insurrection, Rebellion & Revolution: Damage caused by armed uprisings and attempts to overthrow a government.
• Marine & Aviation War Risks: War cover for vessels, cargo and aircraft, including seizure, confiscation and detention where purchased.
• Business Interruption & Extensions: Lost profit and increased costs of working, plus extensions such as denial of access, debris removal and professional fees.

How Oakleafe Helps If You Need to Claim

Insurers appoint Loss Adjusters to protect their own interests. An Oakleafe Loss Assessor works exclusively for you, the policyholder, and handles every stage of your war risk claim:

• Immediate Response: Once the authorities confirm it is safe, we attend site, record the damage and arrange emergency works to protect your property from further loss.
• Policy Review: We identify every policy that may respond, including political violence, marine war and aviation war cover, and check exclusions such as nuclear, CBRN and cyber.
• Proving the Cause: We gather official statements, civil defence and police reports, debris evidence and engineers' reports to show the loss was caused by an insured peril.
• Full Quantification: We calculate damage to buildings, plant, stock and equipment, together with business interruption and supply chain losses.
• Managing Complex Losses: We coordinate engineers, forensic accountants and contractors, and deal with local and international insurers where your cover is placed in the London market.
• Negotiation & Settlement: We negotiate directly with insurers, brokers and adjusters until your claim is settled in full.

With over 30 years of experience, our team gives you the technical knowledge and negotiating strength to secure your full entitlement while you focus on recovery.