War insurance is separate insurance coverage against loss or damage to the ship caused by acts of war. This includes damages due to items left behind from previous acts of war, terrorist attacks, riots, rebellions, and piracy.
However, war risk insurers also exclude particularly high-risk sailing areas—designated as "Listed Areas" (http://www.lmalloyds.com/jointwar)—from standard war risk coverage. The insurer must be notified in advance of entering these exclusion zones in order to maintain insurance coverage.
War insurance should also include cover for the daily indemnity of the loss of hire insuranceagainst piracy, since piracy risks are is excluded from conventional loss of hire insurance.