I think that you can't differentiate between insurgents and terrorists in that way.
Insurgency is in my opinion the overall term and encompasses all members of an insurgency movement. That is the Leaders, Theorists, Financers, Sponsors, Helpers, Computer-Experts, Media-Experts, Technicians, Bomb-Makers, Spies, ..... and of course the actual fighters. Among the fighters you may then find the terrorists, simply because Terror is a useful method insurgents use to achieve their goals.
This makes it also clear, that by military means alone you can't win against an insurgency movement, because it's made of more than just fighters and terrorists.
The fight against terrorists is therefore just a part in the fight against insurgents.
There are, of course, other terrorists as well, which are not related to an insurgency and which also can't be directly compared with insurgents one on one.
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