Not just for those that are planning on taking their upcoming holidays in Sherwood Forest, having holiday insurance that covers you in the eventuality of a wayward arrow flying towards you is actually quite handy for those that plan on playing a little archery on their summer holidays. Admittedly you would have to be pretty unlucky to actually be hit by an arrow, but that's not to say that archery is without its risks. The most common accident in archery is the arm slap where your bow string snaps against your arm leaving a very nasty bruise. However, even the most experienced person can suffer from freak accidents and after hearing the recent story of an archer who accidentally died after mishandling his arrows its great to know that you have travel insurance which prepares you for any eventuality.

Having your cruise ship hijacked by pirates

Having Johnny Depp hijack your cruise holiday definitely doesn't seem like something you should use your holiday insurance to cover against, but the truth is that pirates have been known to hijack cruise ships and they aren't the bumbling Disney kind. The 300,000 ton cruise ship Nautica recently had to fight off pirates on the Yemeni Coast as they attempted to loot the liner of customer valuables and oil. However, it is relatively rare for passenger liners to be targeted, with most of the notorious Somalian gangs concentrating on cargo liners and navy ships. But, the tragic events of 9/11 show only too well that hijacking can happen, whatever vessel you happen to be travelling on and as a result most holiday insurance companies offer up to ?500 cover in the tragic event of hijacking.

Falling Out Of Santa's Sleigh in Lapland

Visiting Santa Claus in Lapland is an excellent family adventure; whether you stay for one day or one week. Once you're there you're bound to want to take part in a reindeer drawn sleigh ride through the crisp Scandinavian snow. However, what happens if one of Santa's reindeer spots a lone carrot on a snow covered doorstop and makes a bolt for it, leaving you careering of the edge headfirst into a patch of black ice with a dozen PS2s, for the good girls and boys, crashing down on your head. Well, the good news is that you're covered on your travel insurance for the medical care that you require, in the event that you have paid an additional premium upfront. The bad news is that when hearing of your plight few people are likely to take you seriously again. And if after all that kerfuffle you don't fancy getting back in a reindeer drawn sleigh, then take a husky drawn sled instead, as these are also covered under your holiday insurance policy.

Tripping Over an American Tourist

Whilst visiting the Sistine Chapel, you accidently knock over an American tourist who thinks that it's a great idea to stand in the midst of the spectacular building firing off flashes at Michaelango's stunning mural. You may think that you've got away with a polite apology and are now the best of friends, having exchanged home addresses and everything. Until that is you receive a rather brusque letter from their solicitor suing you for loss of enjoyment on their European jaunt. Your eyes may glaze over when you read through his list of rather unreasonable demands for settlement, but the good news is that you're covered on your travel insurance premium for legal costs up to ?25,000, and the bad news, well you might want to choose your new best friends a little more carefully.