Accidents do happen - but the right kind of travel insurance can buy you peace of mind. Tom Edge explains what you should look for in a policy, and how to avoid paying over the odds for your cover

Tired of organising, planning, and budgeting for your gap year? Can't decide between Project Trust and Raleigh International? Tom Edge left for New Zealand with two passports and no plans, and made the most of the freedom afforded by a lack of itinerary