Insurance warning as 16.5m policyholders could be at risk

An estimated 16.5 million travel insurance policyholders could find they are not covered for common holiday activities, according to research.

A study by GoCompare Travel Insurance estimated that almost half (47%) of the UK’s holidaymakers could be taking part in an uninsured activity while they’re away.

The comparison site said many common holiday activities – such as cycling, quad biking and water sports – aren’t always covered by insurers, so travellers would be unable to claim if something goes wrong.

Out of those taking part in these activities, 42% said they had no idea that they aren’t always covered.

GoCompare said cycling is the most popular pastime that can be uninsured, with just over a quarter (26%) saying they took a rode a bike during their break.

This was closely followed by water sports (23%), horse-riding (16%) and winter sports activities (13%).

Ceri McMillan, travel insurance expert at GoCompare, said: “It’s alarming to see that so many holidaymakers could be doing an uninsured activity, as it means they may be unable to claim if something goes wrong.

“Our research found that a large chunk of those who do these activities don’t realise they may not be covered for them, highlighting that more needs to be done to help travellers understand their insurance better.

“It’s important to read the terms and conditions of your policy before you head to the airport.”

More: Four in 10 travel insurance policies do not cover strike action, Which? finds

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