simonhill wrote:Don't want to be pedantic, but....just because something eg cycling or diving is included or not excluded doesn't necessarily mean it is covered in all cases.
Yup it seems our friends at the insurance companies consider cycling as the " Main activity" as pretty dangerous stuff... When I looked into a long term insurance
some of the quotes increased by 50% when you tell them you're cycle touring. Also bear in mind that most policies don't pay out of theft cases if your items where not under your direct supervision or in a hotel safe deposits box (good luck getting your bike into the safe
) Long live the small print
The main thing for me is a policy that will get me medical help/ a lift home if I'm really in the poo, I'm not so worried about gear/bike, that can all be replaced at some point.
Ironically my most recent trip was only 2 months so I was able to get cover by my banks annual policy, which worked out fairly cheap. Fingers crossed I'll never have to find out if an insurer actually pays out!!!