Hi Wazari,
it will depend on how it is defined in your friend's insurance policy. It should clearly define circumstances which would include "unnecessary danger" or "unnecessary risk" as it is also called.
Most Australian travel insurance policies have exclusions which mean that the policy won't cover you if you do not take action to avoid, or minimise, any potential claims relating to travel warnings related to:
- Strikes
- Riots
- Severe weather
- Civil protest and political instability
- Terrorism
- Any act of war, whether war is declared or not or from any rebellion, revolution, insurrection or taking of power by the military
- Nuclear reaction or contamination from nuclear weapons or radioactivity
- Biological and/or chemical materials, substances, compounds or the like used directly or indirectly for the purpose to harm or to destroy human life and/or create public fear
- Contagious disease and/or Epidemic or Pandemic
You should always check with
smartraveller.gov.au and/or
who.int to see whether a travel warning has been issued for that place. However, you may still be covered if the loss that you are claiming for was completely unrelated to the risk warned of.