hazardous activities on holiday kingdom insuranceOkay, so this isn’t particularly hazardous, but I needed a photo and this was one I took on my phone.

A couple of years ago, while on holiday in Turkey, a friend suggested that we went parasailing. We had watched lots of people trying it out over the week and it looked amazing.

Being a bit of a wuss, I surprised myself by agreeing to give it a try, but only on the proviso that our travel insurance covered us for this type of hazardous activity.

Back to the room we went to dig out the policy, only to find that it was an excluded activity.

Imagine my disappointment!!

Now while you may not consider this to be particularly hazardous, accidents do happen and people have died or been seriously injured while parasailing, also known as parascending.

Not many travel insurance policies provide automatic cover for taking part in activities which insurers deem hazardous (and if insurers deem them as hazardous, then I’m not taking the risk that I’ll be safe!)

One in ten claims for injury or death are rejected, sometimes because a pre-existing medical condition has not been disclosed or a traveller has not considered whether the last-minute decision to go bungee jumping is a wise one.

I’m trying not to be a scaremonger, but I’ve heard too many stories about families trying to raise thousands of pounds to cover the costs when the insurance company won’t pay out.

The cost of repatriating a body can be up to £17000, according to Rowland Brothers International, who bring back the bodies of around 2000 Brits per year.

A broken leg could cost up to £82,000 in the USA, after all x-Rays, investigations, ambulances etc are taken in to consideration.

So before you jump on that banana boat ride, please just check your policy first!