Make sure that the insurance company knows of any pre-existing illnesses or conditions or any circumstance which may prevent you from travelling and obtain the insurance company's authority in writing before you book the holiday otherwise you may find that your medical condition may prevent you from making a claim in the event of illness. If you are travelling to a European Union country, remember your E 111, available from your post office, which must be authorised and stamped. This will give you either free medical treatment within the E.U. or you will be able to claim the money back when you get home. Most insurance policies exclude dangerous sports and activities. Check before you take out the policy exactly what it covers.
Some policies even consider hiring a bicycle a dangerous activity.
Passports and Visas - it is your responsibility to ensure that you have a valid passport and remember there are different types of British passports and if you have anything other than a British Citizens passport you may require a Visa for a country that a British citizen would not normally need one for. There is a big difference between a British Subjects passport and a British Citizens passport. If you are a holder of a British Subjects passport or any other British passport other than a British Citizens passport, check with passport office and check with the embassy you are planning to visit to ensure you have the correct Visa or authority to travel. Remember children need their own passport now. Inoculations - remember if you are travelling outside of the European Union contact your doctor who will advise you what inoculations you will require and make sure that you have those inoculations in good time before your holiday commences.