United Kingdom Risk Assessment Country Guide

Doing Business in United Kingdom

Once the largest empire in the world, the United Kingdom now consists of four separate countries: England, Scotland, Wales and Northern Island. Today, the western European nation is home to more than 63 million people, with one of the world's largest economies which is based largely on the automotive, manufacturing, agriculture and pharmaceutical sectors, among others. Due to its many attractive features, the country may be a desirable location for expats and other foreign travelers.

According to the Government of Canada, visitors to the UK should only need to exercise normal security precautions. Many public services, such as transportation, are in excellent condition. However, you should still be wary of threats of crime and terrorism, and avoid any political demonstration or other protests. Severe weather may interrupt local travel, so you should monitor local news sources prior to making any arrangements. 

Due to these risks and others, you should consider adequate international insurance prior to leaving for the UK. Proper coverage can limit the financial impact of life abroad. 

  • Health
  • Safety & Security
  • Terrorism

On November 19, 2015, the CDC issued a watch level 1 for Scotland due to an increase of reported cases of the mumps. Travelers should receive their mumps vaccine and be sure to wash your hands often. 

Clements’ term life insurance program ensures that the future financial needs of your family and loved ones are provided for should the unthinkable occur. It is a portable policy that you can take with you whether you change jobs, retire, or move anywhere in the world. Additionally, no medical underwriting for policies up to GBP 170,000. 

Call us today at +44(0) 20 7397 4960 or email enquiries@clements.com to discuss your organization’s travel needs tailored to considerations involved while operating in United Kingdom.

Source: Government of Canada and Clements Worldwide

Contact a Clements Representative for Insurance Solutions

The political climate in the UK is relatively stable. However, public demonstrations may occur and could turn violent at times. These activities may also impact local travel, and you should avoid all large gatherings and rallies. Since 2010, the frequency of these events have been  on the rise due to government cutbacks.

On August 30, 2016, a man was killed and his friend was wounded in a racially motivated attack on an immigrant.

On August 23, 2016, an imam was killed by 2 supporters of ISIS after they suspected his Islamic "healing" as "black magic".

On June 16, 2016, Labor MP Jo Cox was shot and stabbed to death in Birstall, West Yorkshire. An elderly man was also wounded and a 52-year-old was arrested in connection to the murder. He shouted "Put Britain First" about two or three times before and after he shot her.  

On December 5, 2015, a man with a knife stabbed three people at the Leytonstone tube station in east London, reportedly screaming, “this is for Syria,” before police used a stun gun on the attacker and detained him.

On November 16, 2014 in Belfast, Northern Ireland, a rocket was fired at an armored Land Rover. The police officers inside were unharmed. It has been blamed on dissident republicans.

On May 22, 2013, a British soldier and Drummer Lee Rigby was knocked down by a car in Woolwich, after which the 2 occupants attacked him with knives and a machete, almost decapitating him and dumping the body on the road. The attackers were later injured in a shootout with security forces and subsequently arrested.

On September 1, 2012 in County Armagh, a prison officer was shot dead by gunmen on the M1 motorway between Lurgan and Portadown. It was reported that another then car drove up beside him and fired a number of shots at him, causing the car to swerve into a ditch. Dissident republicans were blamed for the attack.

On April 2, 2011 in Omagh, Northern Ireland in a widely condemned attack, a car bomb explodes killing Ronan Kerr, a Catholic member of the police.

On May 1, 2011 in Derry, Northern Ireland, four police officers and two schoolchildren escape unharmed when a grenade thrown at them fails to explode. The four police officers were on cordon duty during an earlier alert and were speaking to two young boys on bicycles when a man threw the device at them.

On October 4, 2010 in Derry, Northern Ireland, a carbomb left by the Real IRA exploded outside an Ulster Bank branch, injuring two police officers and causing extensive damage.

On August 14, 2010 in Lurgan, Northern Ireland, three children are injured when a "no-warning" bomb exploded in a bin, in what the PSNI claim was an attempt to "kill police or injure police officers providing a service to this community as they responded to a neighboring area following a very vague warning that a device had been left at a local school."

On August 10, 2010 in Cookstown, Northern Ireland, a car-bomb partially exploded under a police civilian worker's car. He escaped uninjured. Nearby residents, a creche and a supermarket were evacuated until the device was made safe.

On August 4, 2010 in Bangor, Northern Ireland, a bomb was found under a soldier's car in Bangor. The army carried out a controlled explosion. No one was killed or injured in the attack.

On August 3, 2010 in Derry, Northern Ireland, a car bomb explodes outside police station.

On July 10, 2010 in Belleeks, Northern Ireland, a bomb exploded on a stone bridge in South Armagh. No one was injured or killed in the attack.

On June 22, 2010 in Keady, Northern Ireland, a bomb was found inside a beer keg in Keady. The Army made the bomb safe. It is believed that the bomb was planted there to ambush police on June 18 as a number of fires were started.

On June 17, 2010 in Aughnacloy, Northern Ireland, dissident republicans were believed to be responsible for a 300 lb van bomb that was left outside a police station. The bomb was defused.

On January 8, 2010 in Randalstown, Northern Ireland, a Police Service of Northern Ireland officer was wounded when a bomb exploded underneath his car in Randalstown, County Antrim.

A Personal Accident insurance policy from Clements protects your organization’s employees and their families' financial stability following an accident, regardless of whether it occurs on the job or during personal time. Coverage begins at USD 100,000 per person.

Roads are in excellent condition across the UK, but streets are often narrow and congested. You should use caution whenever driving, and remember that traffic drives on the left. Clements offers International Motor insurance, which is fully comprehensive and and includes two named drivers for no extra charge, third party-cover, windscreen repair, and other benefits. With same day cover and flexible monthly instalment plan along with fast claims processing, your policy will provide coverage for your vehicle fleet whether it’s on the road, parked or transported abroad.

An optional Political Violence extension is also recommended, which broadens the coverage to include strikes, riots, malicious damage, sabotage, war, terrorism or civil unrest.

Mariners near British waters may also want to consider adequate coverage. A Maritime Security insurance policy from Clements ensures compliance with BIMCO insurance requirements and GUARDCON standards that will achieve cost savings, better coverage and more efficient policy administration.

Call us today at +44(0) 20 7397 4960 or email enquiries@clements.com to discuss your organization’s travel needs tailored to considerations involved while operating in United Kingdom.

Source: Government of Canada and Clements Worldwide

Contact a Clements Representative for Insurance Solutions

There is a moderate threat of terrorism in the UK. Risk levels often fluctuate, so you should check local news sources for any updates during your time in the country.

On October 21, 2016 an unknown perpetrator released CS gas in a London airport. Twenty-seven people were injured.

A War and Terrorism insurance policy from Clements offers the right coverage against the risks of civil unrest, war, riots, looting, and acts of terrorism.

Clements also provides a Kidnap and Ransom insurance policy, which ensures financial assistance following a kidnapping, such as independent investigations, negotiations and the  arrangement and delivery of funds.

Call us today at +44(0) 20 7397 4960 or email enquiries@clements.com to discuss your organization’s travel needs tailored to considerations involved while operating in United Kingdom.

Source: Government of Canada and Clements Worldwide

Contact a Clements Representative for Insurance Solutions