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What insurance do you need for a staycation in the UK?

What insurance do you need for a staycation in the UK?

Since the fall in the pound after the Brexit vote, more and more Brits are choosing to stay home for the holidays, with staycations soaring by over 23%. But if you’re thinking of holidaying close to home, will you need travel insurance?

Patrick Ikhena
From the Travel team
3
minute read
posted 14 NOVEMBER 2019

Do you need travel insurance for a staycation in the UK?

The answer is probably yes. You won’t need medical cover as you’ll have full access to the NHS, but you’ll still need travel insurance if you want to be covered against other things going wrong.

UK travel insurance policies can cover:

Transport/flight cancellations and delays
You may need to take a domestic flight, train journey, ferry crossing or coach to your holiday destination. Travel insurance could cover the costs of any cancellations or delays during your trip.

Holiday cancellation
If you have to cancel your UK booking for reasons beyond your control, holiday cancellation cover may be able to help you get your money back. Check the policy T&Cs carefully as the reasons for cancellation covered vary between different insurance providers.

Lost, stolen or damaged luggage
The average staycationer takes around £676 worth of valuables with them on holiday. Yet around 70% of UK holidaymakers don’t have any travel insurance in place, according to insurance provider Policy Expert.

Baggage insurance is usually included in a standard travel insurance policy, and can cover valuables that you take with you, such as mobiles, tablets and jewellery, if your bags are lost or stolen.

Are you already covered?

Before buying UK travel insurance, check to see if you already have appropriate cover in place:

  • Your contents insurance policy may include ‘all-risks cover’ for personal possessions that are lost or stolen outside the home.
  • You may also be able to add ‘away from home’ cover to your home insurance for a little extra cost.
  • If you already have an annual travel insurance policy check to see if it covers personal possessions loss, and cancellation costs for a UK holiday. If it already provides the cover you need, you might not need to take out a separate policy.

What other types of travel insurance should staycationers consider?

Whether you’re planning a white water rafting trip to Wales, or are travelling around the UK for business, you may want to consider specific cover to suit your needs:

If you’re into extreme sports, dedicated sports insurance can offer a higher level of cover than standard travel insurance.

If you’re skiing or snowboarding at Glenshee, consider Winter sports protection.

  • If you’re planning a golf holiday at one of the many resorts around the UK, golf travel insurance can be included to cover your golfing equipment and even personal liability.
  • If you travel the UK on business, business trip insurance may offer more comprehensive cover than standard travel insurance.

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