Graeme Trudgill, the body's technical and corporate affairs executive, said it was key that people think about what they hope to do and speak to a broker about the plans.
"What you have to think about as a traveller is: 'OK, I am going on holiday. What do I want to do? What am I likely to do?', he explained.
"If you are going on a beach holiday, you might be doing some paragliding there. If so, make sure you are covered for that and try and get a policy that does not charge any extra."
Recent research by BIBA claimed that less than half of consumers who bought policies from travel agents were advised about hazardous sports.
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