Your type of holiday and the destination are taken into account in calculating your quote.
For some sports activities, ordinary travel insurance isn't enough.
Ski slope accidents make up the majority of all insurance claims and for some insurers they account for almost 1 in 3 claims.
Adventure Extreme Sports
You may not think hot-air ballooning is a dodgy activity, but your travel insurance company could well disagree.
It's always best to check with your insurer if you're covered before you go up, up and away.
On the other hand, the thought of going zorbing (careering down a hill in a big plastic bubble) could scare you to death - especially if you're claustrophobic - but your insurance company could well give it the thumbs up.
Not all activities are extreme and many travel insurance policies will include within their terms sports which carry a minimal risk.
Professional Sports People Excluded
Remember, ordinary holiday travel insurance won't cover professional sporting activity, not even if you're Tiger Woods. Or instructing/guiding, whether paid or unpaid.
The golden rule is ... before you take part in any sport ask your insurer about the ins and outs of the small print, even if you don't consider your particular activity - jet-skiing, for instance, to be all that dodgy.
Some policies will include cover for activities like this, but only with the go-ahead from your travel insurance company and usually only for a certain number of days.
If you don't think the policy will cover you, organise a specialist policy - or forget it.
Often you don't think about what you'll be doing abroad, other than enjoying yourself.
Get the Urge
But what if you suddenly get the urge to go white-water rafting, say, once you get there?
You could try phoning or emailing your holiday travel insurer from an internet café and get the cover extended.
But not every insurer will accommodate you if your holiday has already started.
If you are near a winter ski resort it is possible you will put on a pair of skis to 'have a go' if the weather is right, so a couple of pounds now for ski insurance will cheaply and comfortably cover you for this eventuality.
Sports equipment isn't cheap and your holiday travel insurance cover should be sufficient if it gets lost, stolen, or damaged.
Just remember that all insurance policies limit claims for single items and the limit can vary drastically between insurers, and that there are always restrictions on the total paid to replace valuables.
If you're taking expensive gear on holiday, you'll want a policy with higher limits - some single item limits can be as low as £250.
Check with your insurer whether particular items are covered - you may need a specialist policy for your state-of-the-art underwater camera, for instance. Or get it added to your home contents insurance.
Suss it out
If in doubt, an independent insurance broker could help you suss out the best all-round insurance package for you and provide the cheapest quotes for particularly risky activities.
Visit The British Insurance Brokers Association website.
Sports equipment and valuables can always be replaced. People are more fragile. Making sure you have decent medical health insurance, vital if you do intend to take part in adventure sports