Plan your adventure in advance


We Brits may not have the reputation for being the most adventurous travellers abroad and yet more than one in three of us have taken part in a “daring” activity on holiday.

Whether it is bungee jumping, hurling yourself out of a plane, white water rafting or zorbing (the latest craze in New Zealand where you roll down a hill in a huge ball, rather like a giant hamster), it is vital that you make sure, before you indulge, that you are insured. Good holidays are full of spur of the moment decisions but in this instance they are not a good idea.

Even if you are not one of the foolhardy who deliberately stick their heads in the sand and opt not to pay the extra for travel insurance, you may nevertheless be uncovered for what your insurance company deems to be dangerous sporting activities. This can even include such relatively safe pastimes as horse riding.

Travel policies vary hugely and only a careful read through of the small print will tell you what you really need to know. If you are still not clear as to the definition of extreme sports, it is worth giving your company a ring to check and, better still, to get something in writing in case of arguments later, should you be unlucky enough to have to claim. has recently discovered that the cost of adding on insurance cover for some of the more dangerous holiday activities varies quite considerably from insurer to insurer. Some of the smaller names will charge just an extra £15 for two weeks cover in America, whilst a few of the more well known insurers will want an extra £75 for the same cover. As always, shopping around can save money!


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