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RUN FOR COVER

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Why you can trust SCMP

For those who believe insurance companies generally offer you protection you don't need, here is this month's scary portent.

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HSBC 'HomeSurance' personal insurance department has written to customers saying: 'It is with regret we are unable to continue to offer nuclear, chemical and biological terrorism cover from your policy with effect from May 30th'.

Does it know something we don't?

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