New Zealand's accident compensation scheme no longer provides preferential treatment for touring Brits so you'll probably need some travel insurance. Insurance premiums vary according to the level of coverage: pricier policies tend to be more comprehensive while others may cover only certain risks (accidents, illnesses, delayed or lost luggage, cancelled flights, etc). In particular, ask whether the policy pays medical costs up front or reimburses you later, and whether it provides for medical evacuation to your home country. Note also that very few insurers will arrange on-the-spot payments in the event of a major loss; you will usually be reimbursed only after going home. In all cases of loss or theft of goods, you will have to contact the local police to have a report made out so that your insurer can process the claim.

While in New Zealand you are quite likely to be participating in what are considered to be " dangerous activities " (skiing, mountaineering - even tramping qualifies under some policies), so be sure to ask whether these activities are covered: most companies have supplementary policies covering you for pretty much everything except bungy jumping.

Some insurance companies refuse to cover travellers over 65 , and most that do charge hefty premiums; some of the best policies for older travellers, and some indispensable advise, are offered by Age Concern (tel 01883/834 887).

Before buying an insurance policy, Americans and Canadians should check that they're not already covered. Canadian provincial health plans typically provide some overseas medical coverage , although they are unlikely to pick up the full tab in the event of a mishap. Holders of official student/teacher/youth cards are entitled to accident coverage and hospital in-patient benefits - the annual membership is far less than the cost of comparable insurance. Students may also find that their health coverage extends during the vacations and for one term beyond the date of last enrolment, and homeowners' or renters' insurance often covers theft or loss of documents, money and valuables while overseas.