There is often an excess linked to your uk direct line backpacker travel insurance policy. Check what yours is, it may not be worth claiming for smaller items.
Welcome to uk direct line backpacker travel insurance options from Financebam, a one stop shop to compare the different options available, to help you get on your holiday with peace of mind.
It is possible that what appears like a harmless bit of fun may not be covered under certain uk direct line backpacker travel insurance policies. Activities such as being pulled along on a banana boat, or hiring a cycle on certain roads, may not be covered. The only way to be sure is to read all the conditions and exclusions of your policy. This may the reason why you saved money this time.