If requested, most insurers will offer extra cover for many activities. For example, winter sports policies covering skiing are common. Even if you do not consider an activity to be hazardous, e.g. hot-air ballooning, check with your insurer if you are covered before you go.

Activities.
You must ask your insurer about hazardous sports and activities, for example jet-skiing. Some policies will include cover for activities like this, but only with prior agreement and / or for a certain number of days. Check your policy. If a standard policy does not cover you, arrange a specialist policy or consider avoiding such activities.

Agree in advance with your insurer.
Insurers can often provide cover for a range of activities but you do need to contact to your insurer and may need to agree what activities and how often. If possible do this before you depart, but it might also be possible to phone or email your insurer while en route and arrange for cover to be extended.

Possessions.
Insurance can cover stolen, lost or damaged possessions. The limit should be appropriate to your needs - perhaps £1500 or more. Policies will generally limit claims for single items, but the limit can vary from as low as £250 to £1000 or more. There is likely to be a similar limit on the total paid to replace valuables, such as cameras.
If you have special equipment, you might need a policy with higher limits, and you may need to check with your insurer whether particular items are covered. You may need a specialist policy. An independent insurance intermediary should be able to find a policy suitable to your needs.

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