High risk areas

Cargo insurance in high risk areas

If P&C Insurances's Marine cargo insurance as well as war and strikes insurance is in most cases automatically in force world wide. There is no obligation to declare, nor is any additional premium charged for these transports.

However, in certain high risk areas the insurance cover is in force only when agreed upon in advance with If P&C Insurance. Possible additional premium for insurance cover in these areas is decided on a case by case basis.

Changes to risk scores methodology

Please note that the former band Severe (3.2 – 10.0) has now been broken down into three new categories: Very high (3.2 – 4.3); Severe (4.4 – 6.4) and Extreme (6.6 – 10.0). This change took place in 5th October 2015.

These high risk areas are listed below.

The list is based on the recommendations of the intelligence company Exclusive Analysis in London. See the whole Watchlist.

Updated on 15 February 2024

List of High risk areas

Location Risk
Very high (4.2)
Brazil (BR-116 Highway Curitaba- Sao Paulo;
SP-330 Highway Uberaba-Santos port;
BR-116 Highway Rio de Janeiro-Sao Paulo,
BR 050 Highway Brasilia-Santos)​
Very high (3.3)
Burkina Faso
Very high (3.2)
Central African Republic​
Very high (4.1)​
Very high (3.4)
Very high (3.2)
Indian Ocean, Gulf of Aden and Southern Red Sea *
Severe (4.4)
Very high  (3.9)
Very high (3.8)
Very high (3.7)
Very high  (3.9)
Very high (4.2)
Mexico (Estado de México-Puebla-Veracruz highway; Estado de México-Querétaro highway, highways in Tamaulipas, Michoacán and Guerrero states, railways in Guanajuato state.)​
Very high (4.0)
Very high (3.5)
Very high (3.3)
Occupied Palestinian Territory
Severe  (5.5)
Persian or Arabian Gulf (and adjacent waters including the Gulf of Oman west of Longitude 58°E)
Very high (3.5)
 Russia (Ground: within 200 km of the land border with Ukraine. Marine: Black Sea coast within territorial waters)
Very high (4.0)
Very high (3.7)
Severe ( 4.9)
South Sudan
Very high  (3.3)
Severe (4.8)
Extreme  (6.5)
Ukraine (Ground: Donbass conflict zone; Marine: Black Sea coast and Sea of Azov within territorial waters)
Extreme (6.6)
Severe (5.4)
Yemen (Marine: Territorial Waters)
Severe (5.9)

* Indian Ocean, Gulf of Aden and Southern Red Sea

The waters enclosed by the following boundaries:

a) on the northwest, by the Red Sea, south of Latitude 18°N

b) on the northeast, from the Yemen border at 16°38.5’N, 53°6.5’E to high seas point 14°55’N, 53°50’E

c) on the east, by a line from high seas point 14°55’N, 53°50’E to high seas point 10°48’N, 60°15’E, thence to high seas point 6°45’S, 48°45’E

d) and on the southwest, by the Somalia border at 1°40’S, 41°34’E, to high seas point 6°45’S, 48°45’E excepting coastal waters of adjoining territories up to 12 nautical miles offshore unless otherwise provided.