Nothing, I have no idea if she had it or not, but, good to let others know they need it. I remember last year when the Welsh guy and his son where quad biking at Oludeniz and he went over a cliff. He was taken to hospital and he had no hazarous Sports Insurance. His Mother in Law paid £29,000 to have a medi-vac back To Wales. He died not long after getting home.
HIs wife wrote on Trip Advisor and in the local Welsh Papers that she had no idea his Travel Insurance would not cover quad biking she was shocked and warned everyone to get Hazardous Sports Insurance.
It does no harm to let members know they need Hazardous Sports Insurance and to tell them every Summer, just to save a lot of heartache.