Policy wording is notoriously difficult to understand for the general public and insurers have been trying for some time to lay down terms and conditions in simple language. Insurer Fortis even went as far as sending its policies to the Plain English Campaign for scrutiny.

After some negotiation, Fortis was awarded the Crystal Mark for clarity. One of the conditions was that a clause about terrorism was dropped - seemingly because of the difficulty in defining acts of terrorism. But the events of 11 September have changed views - the insurer has now been allowed to reintroduce its terrorism clause.