Are you covered for your staycation?

If you’re holidaying in the UK this year, travel insurance might be worth considering – here are some things to bear in mind…

No flight delays, baggage restrictions or lengthy transfers; it’s easy to see why more and more Brits are choosing to holiday in this country rather than sun-seek abroad.

According to an Airbnb study from June, cited* by the Express, 83% of holidaymakers are opting to stay put. While there’s no promise of sunshine, Great Britain is as fascinating as it is diverse and caters to all types of traveller. We really are spoilt for choice; and once you’ve decided on your dream UK destination, the next thing you should think about is travel insurance.

Are you covered?

Many holidaymakers don’t see travel insurance as an essential for UK trips. But if the worst were to happen, they could find themselves just as stuck as if they’d travelled abroad.

Thanks to the NHS, we have free access to healthcare whilst travelling in the UK, but there’s more to travel insurance than medical cover. What if your trip was cancelled or delayed? What if you lost your belongings or had them stolen? There’s still a chance of a holiday slip-up, so taking out cover could be worthwhile.

Things to look out for

Cover for medical treatment, flight delays and lost baggage are some of the top considerations for overseas travel insurance. But what do you need to look out for when searching for a UK-based policy…?

Cancellation and curtailment

If you’ve pre-booked your trip and for some reason had to cancel, for instance if a family member falls seriously ill, then you’ll want travel insurance that includes cancellation and curtailment. This means that you’ll be able to claim back money you have already spent on things like travel and accommodation. 


Pay attention to the terms and conditions surrounding accommodation; if you had to cancel at short notice and lose your deposit, for example, then you’ll want a policy that will reclaim these costs. Which? found* that many policies won’t pay out if your accommodation is less than 25 miles from your home, so bear this in mind. Also, some providers require you to pre-book accommodation, usually with a minimum stay of two consecutive nights.

‘Close relative’ claims

Travel insurance policies allow claims to be made for the policyholder and close relatives. However, providers vary in their definition of ‘close relative,’ so make sure this is something you check before taking out cover.

Multi-trip policies

If you’re planning a number of trips this year – both abroad and in the UK – then taking out annual cover is likely to be better value (meaning more money for the holiday tin). But you need to make sure that UK trips are covered as part of the policy and check for any exclusions.

Expensive items

You can also add extras to your policy for an additional fee, too. For instance, if you plan to partake in a few rounds of golf whilst away, you might want to make sure your clubs are protected against loss, theft and damage.

Choosing a provider

Whether you plan to cruise the UK’s coastline in a campervan, relax on a rural retreat or immerse yourself in a bustling city, you need to make sure you have the right level of protection in place.

Zurich offers three levels of travel insurance – basic, standard and extra – which can be purchased as a single or annual policy and are based on the amount of cover required. For instance, our basic policy doesn’t include cover for travel delays, but our standard policy includes up to £300 worth of cover and extra policy has £500 worth of cover. So, it’s worth taking the time to compare each policy to ensure you get the right level of protection required. 

While we can’t guarantee you’ll need protection from the sun on your UK break, travel insurance will give you the protection you need for peace of mind. 

UK hotspots

So, where are the UK’s holiday hotspots? A Travelodge survey* from June polled 3,000 British adults to find that seaside breaks remain a top choice. Over half (53%) of those surveyed said they’re escaping to the coast, with Cornwall, Devon, North Wales, Blackpool and Isle of Wight cited as the top destinations.

One third of Brits told Travelodge that they were taking a rural break this year with the Lake District, Scottish Highlands and Norfolk Broads all favourite spots. While 27% will be enjoying a city break, with London, Edinburgh and Bath cited as the top three destinations.


*We are not responsible for the content of other websites.

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