Hong Kong tourists are unlikely to be compensated for injuries or property losses suffered in the chaos in Thailand even if they bought travel insurance, a senior insurance executive has warned. Peter Tam Chung-ho, chief executive of the Federation of Insurers, said most travel insurance did not cover losses and injuries caused by riots and civil wars because they were considered an expected risk. 'If you know there is chaos at a certain place and you still decide to go there, this is an expected risk, and it is deemed uninsurable to most agencies,' he said. Staying out of the troubled areas of Thailand - as some travel agencies suggested - did not provide an excuse to claim for damages, Mr Tam said, because the chaos could affect the whole country. Compensation for flight delays and missing luggage was also ruled out. 'After all, you don't take risks deliberately because you think you are insured,' Mr Tam said. But insurance-sector lawmaker Chan Kin-por said extra costs incurred for special arrangements to flee the country would be covered. Travel Industry Council executive director Joseph Tung Yao-chung said Hong Kong tourists could apply to the council's emergency assistance fund for money if they had an accident.