Travel insurance: UK
Compare travel insurance for UK holidays
Staycations can be a fun way to enjoy a holiday for less – but a travel insurance policy can still offer useful cover if you’re staying in the UK
Staycations can be a fun way to enjoy a holiday for less – but a travel insurance policy can still offer useful cover if you’re staying in the UK
UK travel insurance covers you for a range of eventualities when you’re holidaying within the UK – which is commonly known as taking a staycation.
One of the main costs covered by travel insurance when you go abroad is medical treatment – which can reach the tens of thousands in places like the USA. However as the NHS takes care of treatment for UK citizens for free, and any gaps can be covered by private health insurance, it’s not usually included in insurance policies for the UK.
This doesn’t mean you can’t benefit from other benefits included in travel insurance. You will still be able to claim for things like lost baggage and cancellation.
You might have some cover already in place if you have a contents insurance policy, as these can sometimes include cover for possessions that are lost, damaged or stolen while out of the home. Additionally, if you travel frequently and have an annual multi-trip travel policy, it may cover you for UK holidays too.
When you take out a travel insurance policy for a staycation, you’ll generally be covered for:
You’ll also have the option to add extra cover to your policy, including:
You can generally expect travel insurance to be cheaper if you’re only travelling within the UK, as you don’t really need to add medical treatment cover. However you’ll find the premium costs also take into account the following:
Choose your favourite type of holiday: If you’re planning a staycation, the UK offers a variety of options depending on the type of holiday you want and where you want to visit. You might consider:
Camping/caravanning
Spending a few days in the wilderness is a great way to get back in touch with nature. If you’re still keen on keeping your creature comforts you might enjoy a caravan holiday, but if you want a more rugged and natural experience you can always pitch a tent or sleep under the stars.
Hiking
Hiking is also a great way to enjoy the outdoors, but with more of a physical challenge. The UK is full of hills, mountains and walking trails for people of all ages and levels of experience – and many national parks have lodges and cottages available for renting.
Escaping to a cottage
Speaking of cottages, staying in the middle of a huge open area is just one of many options if you’re looking for a quiet escape from your busy everyday life. Small villages and hamlets are dotted all around the country, offering the chance to put your feet up and take the break you deserve.
Taking a coastal break
Is there anything more quintessentially British than enjoying fresh fish and chips by the seaside? The large island we call home has a number of iconic coastal spots, boasting funfairs, amusement parks and arcades aplenty, as well as places to enjoy watersports such as surfing and snorkelling – just watch out for seagulls.
Boating
The UK boasts a well-connected canal system which means you’ll be able to hire and sail a boat up and down various areas of the country. There are different routes you can sail, whether you want to spend a few days or a couple of weeks on a boat, taking you through regions like the Midlands, the Pennines and London itself.
Taking a city break
If art and antiquity are more your speed, you can use your staycation to visit some of the oldest and most historic cities in the country. London obviously springs to mind, but places like Edinburgh, Bristol and York all have their own unique flavours and glittering cultural histories.
Skiing
You won’t need to splash out on a holiday to the Alps if you want to enjoy a bit of winter sports – places like Glenshee, Glencoe and the Cairngorm Mountain all offer places to ski and snowboard, right in your own back yard.
Make use of public transport: Coaches and railways are a fantastic way to get around the country if you’re not keen on driving – they’ll let you see more of the UK without worrying about parking or fuel costs. It might be worth investing in a National Rail Card if you’ll be using the trains to see a lot of the UK.
But that isn’t all you can try – the capital city is home to the famous London Underground, Manchester has a widespread tram network, while a number of cities and towns in the UK are connected via the UK’s canal system.
Try the local cuisine: There are a ton of different regional dishes to try in the UK – here’s a list of some of our favourites:
Explore British history and culture: Every corner of the UK has plenty to offer in the way of history and culture. Whether you’re keen on galleries and museums, theatres and concert halls, or world-renown landmarks, you’ll be able to indulge your intellectual side. Some of the best spots to visit include:
See natural beauty: The Great British outdoors offers up so many visually stunning pieces of history. From natural wonders to national parks, there’s always a reason to put on those walking boots – here are our favourites:
If you’re planning a UK holiday, finding affordable travel insurance quotes is easier when you compare deals on MoneySuperMarket. Just tell us a little about yourself, what activities you’re planning and what extras you want on your policy, and we’ll show you a list of deals tailored to your requirements.
You can compare quotes by their overall monthly and annual cost, the cover they offer and the excess you’ll need to pay if you want to make a claim. Once you’ve found the right policy for you, just click through to the provider’s website to finalise your purchase.
As with all insurance policies, the cheapest available deal might not be the best suited to you. We recommend you aim for a balance between the price and level of cover, so you don’t end up over or underinsured.