What section of cover is most likely excluded if Tim achieves a 30% discount on his travel insurance?

The most likely exclusion for Tim’s travel insurance when he receives a 30% discount pertains to baggage and personal effects. Insurance providers often offer discounts on certain sections of cover when policyholders choose a lower level of protection or opt for a policy with limitations.

In the context of travel insurance, baggage and personal effects coverage is sometimes the section that carriers reduce or exclude in an attempt to lower premiums. This is because the costs associated with replacing lost, stolen, or damaged personal items can vary greatly and often result in higher payouts. Insurers may incentivize customers to take on more risk regarding personal belongings, especially if those items are not essential for the primary purpose of travel.

Although personal accident benefits, medical expenses, and personal liability are crucial sections of coverage, they are typically considered more fundamental for travel safety and well-being. Therefore, they are less likely to be excluded when seeking discounts compared to baggage and personal effects coverage. This is why the correct answer indicates that Tim's discount is most likely to affect the coverage related to his baggage.