debt that you cannot afford to go on holiday for years to come.Travel insurance is essential when you are going away to either train or race, and because you are a triathlete, regular policies are unlikely to cover you. The reason? Amazingly, triathlon

? Amazingly, triathlon is often considered an 'extreme' sport. However, there are a number of travel and sport insurance companies, including Dogtag, Snowcard, Insure and Go, and JS Insurance, that will cater to your specific needs. Do your researchIf you

or the really bad news?" he asks. With a week to go until we tackle the Norseman, the world's toughest long-distance triathlon, I'm hoping he'll tell me the event has been cancelled. I ask for the really bad news.  "I've just looked on Facebook and someone has