changes

I receive a magazine from my bank regulary. I never read it but they keep sending it to me. Today a headline -Changes to your insurance- caught my attention. I didn't even know about that insurance! Apparently, they pay for ...something.. when I get into an accident. But not -and that are the changes mentioned above- if the damage was caused by terrorism or WMD!!
I guess insurance companies have to do that nowadays...

about
The only magazines I read regulary are c't and Page.