In reply to Mafuta:
I you intend to 'top up' your AAC insurance with a regular travel policy you need to check if it will pay up for conditions incurred during a non insured activity, i.e. your if regular travel policy doesn't cover mountaineering then is it really going to pay up for costs arising from a mountaineering accident?
You may find similar exclusions for repatriation, baggage, sports equipment etc.
AAC insurance is cheap, consider why and check all small print very carefully.