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Travel insurance to cover theft, loss and medical problems is a good idea. Some policies exclude ‘dangerous activities’, which can include scuba diving, motorcycling and trekking.

Insure yourself to the gills if you’re driving. Road conditions are hazardous. For the same reason, check that the policy covers ambulances and an emergency flight home.

Worldwide travel insurance is available at www.lonelyplanet.com/bookings. You can buy, extend and claim online any time, even if you’re already on the road.