Real People - - COVER STORY -

If you pre­fer sky-div­ing to beach loaf­ing, make sure that any mishaps will be cov­ered. High-oc­tane ac­tiv­i­ties, such as jet-ski­ing, scuba div­ing, bungee jump­ing and white­wa­ter raft­ing, come with an ad­di­tional pre­mium.

Even cy­cling or trekking may need ex­tra cover, so check with your insurer.

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