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UK Information » UK travel » Travel Insurance » Holiday Cancellation Insurance

Holiday Cancellation Insurance

Whatever your choice of activity, travel insurance is essential. Holiday Cancellation Insurance for UK holidays is often forgotten by British holiday makers, especially if they are taking a holiday in Britain. Most Travel Insurance policies cover you for cancellation, but if you don't take out one of these policies, you should get Holiday Cancellation Insurance. You can use the Travel Insurance Directory to shop around for the best prices.

You may want to check out our Guidance notes about Holiday Cancellation Insurance if this is the first time that you have bought UK holiday insurance online.



Guidance notes about Holiday Cancellation Insurance

It is very upsetting if you have to cancel a holiday due to circumstances beyond your control. It is even worse if you have to pay for it, so make sure you have holiday cancellation insurance when you book your holiday.

Holiday cancellation insurance can cover you for Loss of Deposit, Cancellation & Curtailment either due to illness of a member of a party or a close relative. Insurers should reimburse your irrecoverable pre-booked travel and accommodation charges if the holiday is necessarily and unavoidably cancelled due to a cause outside your control. They may also reimburse the proportion of your holiday costs that are lost if you have to cut your holiday short for medical or other serious reasons beyond your control.

As with all travel insurance you must declare any information, medical or otherwise, which may influence the insurer's decision in accepting you for cover. Holiday cancellation Insurance policies contains certain restrictions regarding pre existing medical conditions and concerns the health of the people travelling and of other people upon whose health the holiday may depend.

Cancelling holiday accommodation
Many holiday cottage owners and holiday cottage booking agencies insist that you are liable for either the full payment, or at least a booking fee, if you cancel your holiday. Some holiday cottage booking agencies only handle holiday bookings that are covered by holiday cancellation insurance. This is normally included in their term and conditions when you book your self catering or cottage holidays. Some holiday cottage booking agencies include a cancellation premium as part of your initial deposit. If you have annual travel insurance or have taken out separate single trip insurance for the holiday, you may already be covered so make sure you don't pay twice. The holiday booking agency may require details of your holiday insurance policy, or a printed copy when you book.

Many of the holiday insurances available only cover UK residents. Overseas visitors must take out their own insurance cover.

You may want to check out our Guidance notes about travel insurance if this is the first time that you have bought travel insurance online.