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UK Holiday Insurance
Whatever your choice of activity, holiday insurance is essential. Holiday Insurance for UK holidays is often forgotten by British holiday makers. You can use the Travel Insurance Directory to shop around for the best prices.
You may want to check out our Guidance notes about UK holiday insurance if this is the first time that you have bought UK holiday insurance online.
Guidance notes about UK holiday insurance
Holiday Insurance for UK holidays is often forgotten by British holiday makers. It is just as important to take insurance for holidays in the UK as you would for travelling overseas. You may feel that you are more in control of the situation during holidays in Britain. Many of the things that can happen to you abroad can happen here too, so make sure you have holiday insurance that covers you properly. Accidents and unexpected circumstances, before or during your holiday, can leave you with expensive bills. You should protect yourself as a small premium would save you hundreds if not more in case of a pre trip reason to cancel due to ill health of any members of the party or close related family or other problem which is deemed to be sufficient enough to cause a cancellation or even curtailment. The following list gives you things you should watch out for. Some of the items may not apply to your particular circumstances and holidays.
- Cancellation & Curtailment due to ill health of any members of the party or close related family or other problem
- Personal travel & car breakdown/accident recovery insurance
- Personal Accident in the event of accidental bodily injury
- Baggage & Money Cover
- Personal Liability
- Money and valuables (Loss of) the limit varies between policies and watch out for the excess
- Hospital Benefit
- Emergency Accommodation
- Medical Repatriation and Expenses including repatriation within the UK
- Baggage and Personal Property
- Transport delay e.g. Ferry delays over 6 hours
- Loss of amenity/significant nuisance
- Hazardous activities - you may be better off taking Hazardous activities insurance to make sure you are covered
- Inability to travel due to adverse weather conditions
Compare travel insurance policies online and make sure they cover the things that you want cover for.
Single trip insurance is available for UK trips provided it is for a booked accommodation and not for a hostel or caravan etc. or with friends and is more than 50 miles from home and for at least 2 nights. If you have annual travel insurance you may be covered, but check your policy carefully.
Other insurances worth considering are health insurance and possessions insurance as well as normal travel insurance. It's a good idea for over 50's as if they are going to somewhere far from home and become ill then one of them would have to stay in hospital and the other would have a problem after the tenure was over. So private ambulance is a good idea to transport to their home local hospital and bring them all home.
Many of the holiday insurances available only cover UK residents. Overseas visitors must take out their own insurance cover.
Holiday insurances protection gives you peace of mind from the moment the insurance policy is taken out. You can compare quotes from different insurance companies online - discounts might apply if you purchase your travel insurance online. You can find insurance brokers in the telephone directory or travel brochures/magazine. Your Travel agent or holiday booking agency will also be able to recommend a holiday insurance policy to you. Some banks and credit card companies have comprehensive travel insurance policies included with their accounts or sell them as an additional service.
Your holiday accommodation will normally be covered under its own insurance policy. However, in certain circumstances, if you cause any loss or damage by negligence, you could become liable and you would probably not be covered by the personal liability section of your own household policy.
If you are thinking of participating in any extreme sporting activities whilst on holiday - such as sailing, riding, rock climbing, skiing and other winter and outdoor sports - check specifically with your insurance provider that you are covered while doing these sports. Many travel insurance policies are very comprehensive, but it is very important to read the policy full so that you understand the exclusions - if there are any.
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.