Lots of Brits think that they don’t need travel insurance for trips they are taking within the UK.
This isn’t always the case, and much will depend on the kind of holiday you’re taking. For instance, if you're travelling more than 50 miles from your home, travel insurance can be an important help if something goes wrong. If you’d like to make sure you’re completely covered, then read on and see if you need cover.
What is already covered?
Lots of people take out travel insurance to protect themselves against getting ill on holiday. Since the NHS is free at the point of service, health insurance isn’t necessary for holidays within the UK.
However, that is not the only reason people get travel insurance.
Why might I need travel insurance for holidays in the UK?
1. Your possessions
This depends on the type of holiday you’re taking. Think about what you’re going away with. Since you’re holidaying within the UK, you may be tempted to be a bit more extravagant in the things you take with you.
In fact, you might have some quite valuable possessions with you – such as gadgets including smartphones, tablets, cameras and more. Since you’re staying in the UK, you might take more jewellery than you would if you were going overseas. If you are driving, you may make use of the extra boot space to take more clothes than you would if you were flying.
If you have contents insurance with an away-from-home add-on, then you needn’t worry about loss or theft to these items. But lots of people don’t opt for this extra, and it may not be included as standard.
If your possessions aren’t covered by your contents insurance when they’re outside of your house, then travel insurance is necessary to make sure they’re protected.
It’s also important to check what your contents insurance covers. Some may not provide cover for accidental damage, which is another important reason to consider getting travel insurance.
2. Your holiday
Lots of things can happen that can prevent you from going away, from a relative becoming sick or your car breaking down. If something unfortunate happens and you decide to cancel, travel insurance can be vital to help recoup holiday expenses.
If you have travel insurance for a pre-booked holiday but you are suddenly unable to go due to sickness or other unforeseen circumstances, travel insurance can provide a lifeline.
3. Insurance for any trip
If you are someone who travels often, you could benefit from an annual multi-trip policy.
This will normally include cover for holidays within the UK as well as other trips you take abroad.
This type of policy also means that you can take holidays in the UK at the drop of a hat and know you’ve got cover, rather than having to worry about trips on an individual basis.