High risk areas

Cargo insurance in high risk areas

Our cargo insurance, including war and strikes cover, is in most cases automatically in force worldwide. Usually there is no obligation to declare transports and no additional premium is charged. 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 is decided case-by-case.

The high-risk categories are: Very high (3.2 – 4.3); Severe (4.4 – 6.4) and Extreme (6.6 – 10.0). 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.

Persian/Arabian Gulf

Due to the situation in and around the Persian/Arabian Gulf, on 9 March 2026 If P&C Insurance Ltd has given notice of cancellation of War Risks cover.

The applicable notice period and the time from which such notice shall take effect is determined in accordance with the terms of the individual policy, including any attached War Clauses, and may differ between policies.

Upon expiry of the applicable notice period, War cover ceases to apply to cargo that is:

  • transported through,
  • stored in, or
  • otherwise located within 
    the territorial waters, airspace or land areas of the following countries or regions (including any port area which, at the date of this Notice, constitutes part of such country or region, however described):
  • Iran, including Iranian airspace and territorial waters, including coastal waters up to 12 nautical miles offshore; and
  • The Persian/Arabian Gulf and adjacent waters, including the Gulf of Oman and waters west of the line from Oman’s territorial limit off Cape al Ḥadd at 22°42.5'N, 59°54.5'E northeast to the Iran–Pakistan border at 25°10.5'N, 61°37.5'E.

JWLA-032

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

See the definition

JWLA-032 JWC Listed Areas Hull War, Piracy, Terrorism and Related Perils

List of High risk areas

Updated on 9 March 2026

Location Risk
Afganistan
 Very high
Bahrain
 Severe
Burkina Faso
 Very high
Central African Republic​
 Very high
Chad
 Very high
Congo - Kinshasa (aka DRC) 
 Very high
Ethiopia
 Very high
Haiti
 Very high
Indian Ocean, Gulf of Aden and Southern Red Sea *
 Severe
Iran
 severe
Iraq
 Severe
Israel
 Very high
Kuwait
 Severe
Lebanon
 Very high
Libya
 Very high
Mali
 Severe
Niger
 Very high
Occupied Palestinian Territory
 Severe
Oman
 Very high
Persian or Arabian Gulf (Marine risk in the Persian or Arabian Gulf and adjacent waters including the Gulf of Oman and waters west of the line from Oman’s territorial limit off Cape al-Ḥadd at 22°42.5'N, 59°54.5'E northeast to the Iran-Pakistan border at 25°10.5'N, 61°37.5'E )and adjacent waters including the Gulf of Oman west of Longitude 58°E)
 Extreme
Qatar
 Severe
Russia (Ground: within 200 km of the land border with Ukraine. Marine: Black Sea coast and Sea of Azov within territorial waters)
 Severe
Saudi Arabia
 Severe
Somalia
 Very high
South Sudan
 Very high
Sudan
 Severe
Syria
 Very high
Ukraine
 Severe 
Ukraine (Ground: Donbass conflict zone; Marine: Black Sea coast and Sea of Azov within territorial waters)
 Extreme
United Arab Emirates
 Severe
Yemen
 Severe
Yemen (Marine: Territorial Waters)
 Severe