Gap year cover

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A MORE pressing decision for Kathryn is which travel policy to choose from the dozen insurers that provide gap-year insurance which now include Argos, the retailer. Travel cover is one area where opting for the cheapest deal may not save you money in the long run: some cheap policies will not pay out if you lose your rucksack.

You must expect to pay £150 or more for baggage cover. The minimum medical cover on offer is £1 million, which you may consider entirely adequate. Kathryn is keen to try some adrenalin-charged activities when she is travelling. “I love heights, so would try bungee-jumping and parachuting,” she says. Some policies include cover for bungee-jumping, as shown above, but travellers who want to stretch the limits of their endurance by taking part in activities such as diving with sharks (in a cage) or rock climbing can expect to pay additional premiums.