As we predicted last year, geopolitical instability and large scale protests across the globe have been a common theme this year, raising several issues for underwriters writing terrorism and political violence cover.  Both peaceful and more violent protests (sometimes at the same time) have been a regular theme in the UK and we expect this to continue throughout 2025. It raises a number of potential issues for insurers including in the UK property market, in particular in relation to when it can be said that a peaceful protest turns into a violent one.  Insurers should give careful consideration to their use of terms such as strikes, riots and civil commotion as well as malicious damage to make sure that they are appropriate in the current climate of political instability, so that cover is being offered that is within insurers' risk appetite.