He was born and brought up in Derby, where he worked for Raymonds News Agency, and later moved to become a regional TV reporter for Central Television. He joined ITN in 1983. He was the brother of the television actor, Kevin Lloyd.
Lloyd died on March 22, 2003 while covering the events taking place in the Iraqi war for ITN. Working as an independent reporter not "embedded" with U.S. or UK forces, Lloyd and his team of two cameramen and an interpreter were caught in crossfire during fighting near the Shatt Al Basra Bridge in Basra, Iraq, between U.S. and Iraqi forces. His body and that of his Lebanese interpreter, Hussein Osman, were recovered and it was later discovered they had both been shot by United States forces on the road to Basra . The French cameraman Frédéric Nérac is still officially classed as missing, presumed dead. The Belgian cameraman Daniel Demoustier survived. Terry Lloyd's funeral was reported on ITN news bulletins by Mark Austin on ITV and Samira Ahmed on Channel 4.
No charges over Terry Lloyd killing, The Independent Tuesday 29 July 2008
U.S soldier who shot ITN reporter is in the clear, Daily Mail Tuesday July 29 2008
The Royal Military Police (RMP) carried out an investigation into the incident. Major Kay Roberts, an RMP investigator, testified at the inquest on Terry Lloyd that a videotape of the incident, taken by a cameraman attached to the US unit that killed Terry Lloyd, had been edited before it had been passed on to the British investigation. The RMP forensics expert who examined the tape concluded that about 15 minutes had been removed from the start of the recording. Roberts testified at the inquest that she was sent the tape "some months" after the incident and that the she was told by the US authorities that the footage they handed over was "everything that they had".
The ITN team were driving in two cars both clearly marked as press vehicles. Frédéric Nérac and Hussein Osman were in the car behind Terry Lloyd and Daniel Demoustier. They encountered an Iraqi convoy at the Shatt Al Basra Bridge in Basra, Iraq. Nérac and Osman were taken out of their car and made to get into an Iraqi vehicle. The British investigation into the incident established the convoy was escorting a Baath Party leader to Basra. US forces shot at the Iraqi convoy, killing Osman: Nérac's body has not been recovered, but investigation suggests it is unlikely he could have survived.
Frédéric Nérac's wife Fabienne Mercier-Nérac testified that she had received a letter from US authorities who denied being at the scene when the ITN News team was attacked.
Demoustier and Lloyd, still in the ITN car, were caught in crossfire between the Iraqi Republican Guard and U.S. forces. Lloyd was hit by an Iraqi bullet, an injury from which he could have recovered. He was put into a civilian minibus that had stopped to pick up casualties. Forensic evidence presented at the inquest shows U.S. forces shot at the minibus after it had turned to leave the area, killing Terry Lloyd outright. Demoustier survived.
The inquest on Terry Lloyd's death was held in October 2006 in Oxfordshire, and lasted eight days, recording the verdict on 13 October, 2006. The Assistant Deputy Coroner, Andrew Walker, recorded a verdict of unlawful killing by U.S. forces, and announced he would write to the Director of Public Prosecutions asking for him to investigate the possibility of bringing charges.
Andrew Walker formally cleared ITN of any blame for Terry Lloyd's death, and said that in his view the U.S tanks had been first to open fire on the ITN crew's two vehicles. However, in the same document, he says he "was unable to determine whether the bullets that killed Lloyd in southern Iraq on March 22, 2003, were fired by U.S. ground forces or helicopters." Lloyd "would probably have survived the first bullet wound" but was killed as he was being carried away from the fighting in a civilian minibus. Walker said: "If the vehicle was perceived as a threat, it would have been fired on before it did a U-turn. This would have resulted in damage to the front of the vehicle. I have no doubt it was the fact that the vehicle stopped to pick up survivors that prompted the Americans to fire on that vehicle." The National Union of Journalists said Terry Lloyd's killing was a war crime.
“When may we expect the Attorney-General to make an application for the extradition and trial in Britain of those American soldiers against whom there is a prima facie case for the unlawful killing in Iraq of the ITN journalist Terry Lloyd?” (Hansard Column 1512 and also BBC news website ).