THE BEST POLICY IS TO READ THE SMALL PRINT

A recent crash in Ironman 70.3 Mallorca throws a spotlight on insurance for overseas races and making sure you have the right level of cover

- TIM HEMING

TIM HEMING

Cutting through the spin of tri to address the issues that matter, Tim is a sports journalist who has written extensively on triathlon for the national press.

When Dan headed out to Ironman 70.3 Mallorca recently, he had bike cover from Velosure, travel insurance from Admiral and British Triathlon's 'Ultimate' membership - its highest level. Having flipped over the handlebars, undergone four hours of surgery and endured a 48-hour stay in hospital, he was discharged with a bill for €15k. Save £250 of payout from British Triathlon for the broken bones, the insurance didn't cover the medical costs.