A holidaymaker from Wales is due home today after suffering serious injuries while on holiday in Turkey.

Micheal Lonergan broke his neck while diving in the Turkish resort of Altinkum and underwent emergency surgery on the injury which threatens to leave him paralysed from the neck down.  The bill for Mr Lonergan’s hospital treatment and the emergency flight home total £43,000, a fee that his insurance company have refused to meet after initially agreeing. His father said;

“What made it more difficult was that initially everything was been taken care of by the insurance company and then on Wednesday last week they decided they weren’t going to cover any costs whatsoever.”

According the insurer, Mr Lonergan exposed himself to “needless risk” in diving off a pier into the sea, falling foul of an exclusion that many holidaymakers might not even be aware of.

As many holdaymakers get ready for the holiday season (many without any cover at all), it’s a timely reminder of the value of travel insurance and the need to discuss any activities with your broker to make certain that you’re covered if the worst happens.