Be certain you have the right Central African Republic insurance before travelling to this beautiful but dangerously unstable country. With high levels of ethnic and sectarian violence, banditry, hostage taking and crime, having comprehensive protection is essential.

Central African Republic insurance – quick facts

  • There is a high risk of ethnic and sectarian violence – war and terrorism cover advised
  • International health insurance in CAR is essential, along with cover for emergency evacuation
  • Road travel is hazardous due to poor conditions and the risk of hijacking and hostage taking

Get the right insurance for Central African Republic


  • Specialist Central African Republic insurance – this can include protection for personnel, property, vehicles and equipment
  • We can cover all your business liabilities and help you to understand and meet contractual and local insurance obligations

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  • Due to the many risks posed civil unrest, crime, poor infrastructure and little health care access, specialist insurance is essential for visitors and expats
  • We can cover you for life, personal accident, personal disability, medical emergencies, evacuation and other specialist insurance needs

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Dangers you might encounter in Central African Republic

Since the Muslim rebel coalition, Seleka, seized power in March 2013, the British Foreign and Commonwealth Office (FCO) advice has been against all travel to the Central African Republic (CAR), making specialist high-risk insurance advisable for anyone planning to visit or work there.

An extraordinarily beautiful country, Central African Republic offers amazing scenery and wildlife. Blessed with a wealth of natural resources, yet blighted by poverty, this landlocked former French colony has faced an almost ever-present threat of religious and ethnic violence since it gained independence in 1962. Only one president has completed a full term of office, the others all having been ousted in coups. In amongst the predominant Christian and Muslim communities, CAR also has over 80 other ethnic groups, each with their own language.

Most recently, on-going violence between the country’s Christian and Muslim communities has killed thousands and displaced tens of thousands. Top French and UN officials have warned that there is a risk of genocide. The current political and security situation in CAR has had a devastating effect on its industry and economy. Prior to the 2013 coup, CAR was ranked as the world’s 14th leading producer of rough diamonds. Following the outbreak of violence, an embargo was placed on CAR diamonds in order to stop the proceeds fuelling further conflict. Crime rates are high. Do not carry valuables or wear jewellery in public places. Avoid poorer areas of town and do not go out alone at night. And be sure that your Central African Republic insurance adequately protects you against theft and loss.

Medical facilities are extremely limited, so ensure that your Central African Republic insurance includes cover for medical evacuation by air ambulance.
Malaria, meningitis and waterborne diseases are common. Bilharzia makes swimming unsafe everywhere. Use only boiled or bottled water and avoid ice in drinks. Be aware that food purchased from local street vendors may not be hygienically prepared or stored. As with many African countries, the rate of HIV/AIDS infection is high in Central African Republic.

Further outside the capital, there are frequent incidents involving rebel activity, armed attacks, banditry and kidnappings, particularly along the borders of Sudan, Chad and Cameroon, where many villages are controlled by armed mercenaries.

Local travel can be difficult. There have been reports of vehicles being fired upon in remote areas and you may come across illegal roadblocks where you are forced to pay in money or valuables to be permitted to pass. During the wet season, from May to November, the poorly maintained roads are hard to navigate. Use a four-wheel drive vehicle if possible and take a supply of fuel and provisions with you.



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Latest advice from the FCO

The FCO advise against all travel to the Central African Republic (CAR). There are reports of rebel activity, banditry and hostage taking across the country. You should take extreme care, and travel in groups if possible. Take out comprehensive travel and medical insurance before you travel.

Latest FCO Advice