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People need to check their travel insurance policy will cover them against acts of terrorism, warns data collection company Defaqto.

It says that although most insurance providers would pay medical claims travellers may not be able to make baggage and personal accident claims.

The company analysed 976 annual and single travel insurance policies and found that only 63 per cent offered cover in the event of a terrorist attack.

Consultant for general insurance at Defaqto Mike Powell said: "Terrorism is not always a consideration that you would even think about when purchasing your travel insurance cover."

He added that people should check with their insurer to confirm the cover they provide, especially if their destination is at risk from terrorism.

Meanwhile, founder of the Travel Magazine Sharron Livingston has advised holidaymakers to book their holidays "well in advance" as leaving it late can mean it is more expensive.

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