It was also found that a large number of tourists never attempt to speak the local language, while 70 per cent also do not visit local attractions.
Paul Birkhead, senior underwriting manager at Halifax Travel Insurance, said that people who do stay within a hotel complex for the duration of their stay should not think they do not need cover.
He explained: "People intending to stay in the confines of the resort will still need cover as accidents can happen by the pool, your luggage can still go missing or your holiday can be cut short for unforeseen reasons."
STA Travel, a specialist travel company for students and young people, recently stated that travel insurance was an "absolute must" for people heading on gap years.
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