From 2003, means: insurance, not exceeding 12 months in total and written as per the general cover to which it attaches, and otherwise in accordance with the Pool Re Underwriting Manual, to cover all losses subject to certain terms and conditions and excluded losses (war, including riot and cyberterrorism). The reinsurance cover is now ‘all risks’ (extended from fire and explosion) irrespective of the original policy perils. The direct insurer may still insert a terrorism exclusion limiting the scope of the cover obliging the insured to ‘buy back’ to the level offered by Pool Re. Insurers may now modify their definitions of terrorism. Previously insurers linked terrorism with acts for political, religious, ideological or similar purposes’. Pool Re’s definition links only to organisations seeking to overthrow governments. Cover offered by companies will come into line with that offered by Pool Re.