Hi Brian.
Do not under any circumstances trust any operators out there - your legal comeback on them is minimal and they know it. Get fully insured before you go, it doesn't cost that much and it will be reliable.
Don't try too hard to save a tenner, make sure it includes all hospital bills and return to the UK.
The odds against you having abad accident are huge, i know, but if you are going to insure at all then go the whole way.
Enjoy, Steve.
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