It is really important to do some planning before you set off on a gap year – both to make the most of your time and to ensure your insurance will provide the necessary protection.
Some insurers, for example, won't allow you to take a trip back home to the UK for the duration of the policy. So, if there are any weddings coming up, or you are thinking of a quick jaunt back for Christmas, you might need to look for a different policy.
Check too how many days you can stay in the UK without invalidating your cover if trips home are allowed.
And if there is an activity on your wish list, make sure your cover includes it. Gap year policies will generally cover you for a certain number of adventure sports. But certain sports, such as scuba diving, are not always covered as standard. If you find this is the case then speak to your insurance company and see if you can add it on for an extra charge.
Finally, if you want to get a taste of working abroad, check that this is allowed under your policy terms. Paid and unpaid work is often covered, typically for up to 12 months. But always double check that the specific job you are doing is included, especially if it involves manual labour.
