With the UK back in a recession and many households on a budget, it can be tempting to save a few pennies by not bothering with travel insurance when you go on holiday. And if you aren't planning on partaking in any dodgy sports or hazardous activities while you are away you may be forgiven for assuming that the risk is quite small. However, mishaps can occur in the most unlikely of ways at times – as this unlucky bunch of holidaymakers discovered.