In reply to 67hours:
Sorry, but I see this a lot on the forums. Normally it relates to something along the lines of climbing Mera Peak and not needing to wear double boots. Yes, you might get away with it, but it wouldn't be advisable.
I think it would have been helpful to point out to the OP that the FCO advice is not to travel the KKH between Islamabad and Gilgit. That is the clear advice from the Foreign Office, which presumably you had intended to follow given that you flew into Gilgit?
If you were insured on the basis of flying into Gilgit, then you would have avoided the KKH, so I don't really understand what point you're trying to make with regards the BMC insurance? I doubt you would have been covered for anything relating to the KKH.
Post edited at 10:05