Travel insurance for UK staycations
When you take any break – from a short break to a full holiday or an extended period of travel – it's important to consider holiday insurance to cover you and anyone in your household who’ll be joining you on your trip. And not just if you’ll be leaving these shores.
Lots of Brits think they don’t need travel insurance for trips they’re taking within the UK. This isn’t always the case, though, and having cover in place can provide much-needed help and reassurance if something goes wrong.
The cover you need for UK breaks – as well as the type of policies that will provide it – depends on the kind of holiday you’re taking there.
If you have an annual multi-trip policy, there may be minimum criteria for it to cover UK breaks, such as you having booked and paid for at least one night's accommodation, or staying at least 100 miles from your home, or making at least one sea crossing during your trip. These are the criteria on our own multi-trip policies, given as an illustration.
Let’s look at what’s already covered when you holiday in the UK, and why else you might need the extra cover travel insurance provides.
What is already covered?
Lots of people take out travel insurance to protect themselves against getting ill on holiday.
In EU countries, it can help to pay medical and some other expenses not covered by the UK Global Health Insurance Card (Ghic), such as air rescue or repatriation if you needed them.
In the UK, where the NHS is free at the point of service, health insurance isn’t necessary for staycation holidays. But that’s not the only reason people get travel insurance.
