Travel Insurance do I need insurance for a holiday in the UK
Below is a MRR and PLR article in category Finance -> subcategory Insurance.
Do You Need Travel Insurance for a Holiday in the UK?
Summary:
Travel insurance for a UK holiday might seem unnecessary, but it can be a wise choice. Buying online can help you find a great deal.Article
Recently, my wife and I planned a two-week holiday in the Scottish Isles. We were set to enjoy seven days on Skye and then take a ferry to the Isle of Lewis for another week. With the promise of breathtaking scenery and tranquility, it seemed like the perfect getaway.
When my local travel agent suggested adding travel insurance for £27.50, I initially scoffed. After all, with the National Health Service and family nearby, why would I need it for a holiday within the UK?
However, later in the comfort of my living room, I pondered the potential mishaps:
- Theft of Luggage: There's always a risk that our belongings could be stolen.
- Loss of Valuables: I recently bought a high-tech digital camera for the trip. If lost, it wouldn’t be covered since I hadn’t yet listed it on my home insurance.
- Medical Emergencies: If we were hospitalized, we’d prefer to be near home in Warwickshire.
- Family Emergencies: My wife’s aging parents could require us to cancel at the last minute.
- Pre-Trip Illness: If one of us fell ill before departure, we’d lose money on non-refundable bookings.
- Travel Delays: A significant ferry delay would mean extra accommodation costs.
- Jury Duty: An unexpected summons could disrupt our plans.
These considerations made me rethink the insurance offer. Relying on my Home and Contents policy wasn’t the answer, as making a claim could jeopardize my no-claims discount, and it didn't cover my new camera without listing it.
With this in mind, the £27.50 travel policy began to look appealing. But being budget-conscious, I decided to compare options online.
Although not every website offered single-trip coverage for UK holidays, I soon found a policy meeting all my needs?"and saved over £10!
The policy covered all my noted risks, including a £30 payout if the ferry was delayed up to 12 hours, allowing us to cancel the trip if necessary.
There were a few conditions: the holiday had to be longer than two nights and more than 25 miles from home, and there was a £30 excess on claims. However, these seemed reasonable.
In the end, securing travel insurance took just a few clicks and gave us peace of mind for the trip.
You can find the original non-AI version of this article here: Travel Insurance do I need insurance for a holiday in the UK .
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