If you’re taking expensive tech with you on your trip, such as a Garmin, GoPro or your smartphone, you’ll need to make sure you have an adequate level of luggage cover. The total cover limit should be enough to replace all the equipment and belongings you’re taking with you.
Watch out for the single-item limit, though – that’s the maximum you’ll be able to claim for any one item. You can normally add on extra cover for gadgets and high-value items if need be.