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UK Travel Insurance

UK Travel Insurance

With uncertainty around Brexit, more Brits are choosing to stay closer to home for their holidays. With the impact of coronavirus in 2020, that trend may well continue, as people are more cautious about international travel and travel restrictions remain in place.

Patrick Ikhena
From the Travel team
4
minute read
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Posted 22 MAY 2020

Do I need travel insurance for the UK?

If you’re thinking about a ‘staycation’, you should still consider taking out UK holiday insurance, just as you would consider travel insurance for a holiday abroad. Although you may not need to worry about medical cover as you would for a holiday abroad, as you’ll still be able to receive NHS care and treatment; you may still want to be covered for things like cancellations and baggage loss or damage.

Please note: most hotels in the UK are currently closed during the coronavirus pandemic. The Government has outlined plans for the re-opening of the hospitality and leisure industry, but these are subject to change and will likely involve social distancing measures, which may impact your travel plans.

CORONAVIRUS UPDATE

On 7 September 2020, the Foreign Commonwealth and Development Office (FCDO) updated the list of countries that are exempt from its ongoing advice against all non-essential international travel.

If you choose to travel overseas to a destination where the FCDO is advising against non-essential travel at the time of your departure, then your insurance policy will be invalid, and any claim likely to be rejected.

For domestic travel, please check the local public health rules for the destination you wish to travel to within the United Kingdom.

For more information, please see our coronavirus and travel insurance page.

What does travel insurance for the UK cover?

While, as mentioned before, you won’t need to be as concerned about medical expenses on a UK travel insurance policy, there are many other benefits of getting cover for your staycation.

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.

Holiday curtailment - Similarly, if you have to cut your staycation short, due to illness, injury or another specified reason, you can recover costs for the holiday you missed out on.

Lost, stolen or damaged luggage - If you’re unfortunate enough to lose your baggage, have it stolen or damaged, you can claim for your belongings, to cover the cost of replacing them.

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.

Personal liability - If you’re held responsible for causing damages or injury to another person while on holiday, this can cover legal expenses.

What other types of travel insurance should staycationers consider?

A UK holiday insurance policy should cover you for cancellations, whether it’s for transport or accommodation reservations. Make sure you read your policy carefully to ensure you’re fully aware of the circumstances that you can claim for, to avoid any surprises. Generally, you should be able to claim for the accommodation being at fault, or ‘acts of God’ such as natural disasters, force your accommodation or transport to close.

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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