You should check whether certain components of the leisure insurance are already covered by a different policy. For example:

• Supplementary health insurance
  Medical expenses may already be covered by your health insurance.
• Rega membership
  If you are a patron of Rega, check whether Rega already provides certain benefits such as SOS assistance.
• Credit cards
  If you use your credit card to pay for your trip or an event, it is highly likely that cancellation costs are already covered by the credit card.