It is not compulsary to take out an extra war risk insurance when you go to an excluded area. It is however very wise to take out an extra war risk insurance when sailing into an excluded area. When you sail into an excluded area, like Nigeria, your regular War Risk insurance stops. If you wish to have a war risk cover again, you need to take this out. You pay an additional premium for this. How much the additional premium is, depends on the current situation in that specific area where you will sail to.
