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Exactly who decides in case you get your a reimbursement if one thing has gone fallacious. ADELE COOKE goes inside financial institution crew and divulges the right way to do it, the most typical ‘cowboys’ – and what is going to get your declare rejected

Global danger map reveals probably the most harmful international locations and cities on the planet for travellers – with UK slipping down into ‘average’ class

What to do in case you’re swept out to sea as actress drowns and man falls overboard