Do you need travel insurance for a holiday in the UK?

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Find out whether you need to buy travel insurance for a holiday in the UK, and how travel insurance could come in handy during a staycation.

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A 2017 report by Barclays found that more than one in three British adults are now choosing to holiday closer to home. Half of the people who responded to the survey believed that leisure experiences have improved in the last five years, while the decreased value of sterling has made it harder to justify travelling abroad. 

But if you’re travelling in the UK, do you still need to remember travel insurance

Whether you’re exploring the sets of Game of Thrones in Northern Ireland, travelling to National Trust properties across the country or simply taking in some of our breathtaking scenery, it’s important to make sure you’re covered. 
 
Read to find out more about whether you need travel insurance when holidaying in the UK and what it covers. 

Why should you take out travel insurance for a UK holiday?

Despite the familiar surroundings, you can still encounter problems when you holiday in the UK. Cancellations, travel disruptions or lost and stolen property could affect your trip, so it’s useful to know that you are covered for every eventuality.

According to the ABI, insurance pay-outs are on the increase, with insurers giving more than £1m a day to travellers in 2016 – the highest since 2010. So, why risk it?

Who might need travel insurance in the UK?

If you’re organising a one-off UK city break or if you’re a frequent traveller around the UK for business, travel insurance can be useful for you. 

Depending on how often you go, you can choose between Single Trip or Annual cover. 

If I’m covered by the NHS while I’m in the UK, why do I need to take out insurance?

Luckily, travelling in the UK will mean that your medical care is still covered by the NHS.

However, taking out travel insurance will mean you’re further covered for things such as inpatient travel expenses to and from the hospital, or if you have to return to your home area on the advice of a doctor. 

Do I need travel insurance for a holiday in the Channel Islands? 

Since April 2009 there has been no NHS medical cover the UK travellers to the Chanel Islands, so it's important to take out travel insurance for your holiday to Guernsey, Jersey, Alderney, Sark or Herm.

Does Admiral travel insurance cover my trip in the UK? 

Usually, Admiral Travel Insurance will cover you for your trip to England, Scotland, Wales, Northern Ireland, the Isle of Man and the Channel Islands. However, in order to receive cover, you must be travelling more than 25 miles away from your home address and staying for two or more consecutive nights. 

Won’t I be covered through my home insurance contents cover and breakdown cover?

Your contents insurance policy will usually include cover away from home, but it’s important to check which possessions you have cover for. Some may need to be named on your home insurance policy in order to be covered while travelling; for example, a piece of jewellery or a camera worth over a £1,000 may need to be added as a named item. 

With Admiral Contents Cover, if shown on your Home Policy Schedule, you should be covered for any loss or damage to you or your family’s personal possessions (up until your personal possessions limit on your policy documents), or any explicitly specified items (exclusions apply). 

Your breakdown cover will also be effective, as long as you have cover when travelling nationally. 

However, there are still problems that you won’t be covered for. Taking out travel insurance will give you peace of mind to know that you’ll be fully covered throughout your domestic break. 

What does UK travel Insurance cover? 

Travel insurance provides cover for a whole host of problems that you could encounter while travelling. 

Cancelling or cutting short your trip

This includes cancelling a trip after you booked it but before you leave, and cutting your trip short in an emergency. 

This can be for a number of reasons such as the death, illness, injury or complications of pregnancy or childbirth of you, your travel companion, a close relative, a close business associate or anyone outside your home area that you planned to stay with. However, exclusions apply, and you should check your policy documents for more information.

Lost, stolen, damaged or missing personal belongings

If your belongings are misplaced, damaged or stolen during your trip or you they do not arrive in one piece when you arrive at your destination, you may be entitled to claim depending your policy. 

Note that if your personal belongings are not in your possession while you are away, they must be locked out of sight in your accommodation or stored in a locked safety deposit box or locked safe. 

Golf cover

While this is not a component of standard travel insurance, you can opt to purchase golf cover if you will be playing while you’re away. 

Once purchased, you will be covered up to your policy limits for accidental loss, theft or damage to golf equipment which you own. 

You will also be covered up to your limits for each day that you have to hire the necessary golf equipment whilst you are without your own. Check your policy documents for the full details. 

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