Adventurous travellers should pay heed to what activities they are likely to participate in while on holiday and make sure they are properly insured.
That is the message from the British Insurance Brokers' Association (BIBA), which says that holidaymakers should plan ahead, particularly if they have a sporting holiday in mind.
BIBA's technical and corporate affairs executive Graeme Trudgill advised consumers to do some research and look at the options available to them.
"What you have to think about as a traveller is: 'OK, I am going on holiday. What do I want to do? What am I likely to do?'," he said.
"If you are going on a beach holiday, you might be doing some paragliding there. If so, make sure you are covered for that and try and get a policy that does not charge any extra.
"If you are going to New Zealand and you are going to be doing bungee jumping, make sure you have a policy that can protect you there or, if you have children and you are going for a quiet week in rural France, then you probably do not have to worry about anything like that at all."
BIBA undertook research in 2007 which showed less than half (42 per cent) of consumers who bought policies from travel agents or tour operators were advised about hazardous sports.
