I'm sorry gg, I don't get your point. What do you want insurance against terrorism for? If you or your grandchildren get blown up then no insurance will make any difference. Check out the stats; I don't think much travel has been disrupted by terrorist acts ever. Which is why I'm puzzled as to why they don't cover it as the risk is minimal.
Currently on a seven week tour of Europe with our three kids and have insurance for the first time. Purely because when I was booking and paying everything (car, flights, nine lots of accommodation) Ebola looked like it could cause problems. Terrorism? Minimal. Not worried. The terrorists haven't beaten me.
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