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UK travel insurance: compare insurance quotes for trips within the UK

Travel insurance isn’t just about covering medical expenses. It can help to protect you against all sorts of other mishaps, like lost luggage, cancelled trips or delayed flights, which is why it might be a good idea to take out a UK travel insurance policy even if your trip isn’t going to take you beyond the British Isles.

And the good news is that because your UK travel insurance usually won’t have to include medical cover it is likely to be a cheaper travel insurance policy than one that’s designed to cover you for an overseas trip.

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Do I need travel insurance for UK holidays?

You’re under no obligation to take out a travel insurance policy for any holiday you plan to take, even if you’re jetting off to Australia, Europe or the USA.

But you may feel that holiday insurance is even less essential if you’re travelling to another part of the UK, since you’ll be able to access free healthcare on the NHS anywhere in the UK.

While that is certainly true, there are a number of other risks travel insurance can protect travellers against even if they’re only jetting between one UK city and another, and it is these non-medical risks that a good travel insurance policy for the UK can help insure you against.

Why should I buy UK travel insurance?

Paying for medical treatment is one of the most important features of travel insurance. Clearly, in the UK this isn’t such a big deal since UK residents are protected by the NHS.

But the best holiday insurance policies offer a lot more than footing any medical bill you might or might not incur. For instance, a good UK travel insurance policy can cover for you:

• Repatriation – pays to bring you back home, for example if you visit Northern Ireland but live in England and need to return home because you’ve suffered a medical emergency.
• Cancellation or curtailment – compensates you if your holiday is cancelled or if you have to cut it short through no fault of your own.
• Lost luggage – losing luggage in the UK doesn’t make it any easier to recover or cheaper to replace. Insurance can help by compensating you for stolen or damaged luggage.
• Missed or delayed departure – covers any costs if your internal flights or connections are delayed or if you miss them for reasons out of your control.
• Personal liability – pays legal fees and compensation if you have an accident and someone blames you for their injuries or damage to their property.

Can I buy UK only travel insurance?

Yes, you can buy so-called ‘staycation’ travel insurance if you’re holidaying in the UK.

Before you buy a standalone UK-only travel insurance policy, though, check whether or not you’re already insured. For example, if you already have annual travel insurance you may well find that this covers you for UK holidays too.

It’s also worth checking your home contents insurance. Many policies include gadget cover, which can help to cover much of the cost if devices like smartphones or tablets are stolen or damaged while you’re out and about.

What is the best travel insurance for the UK?

The best UK travel insurance is one that covers you for the risks you face. For instance, if you’re skiing in Scotland or rafting in Wales make sure your policy includes winter sports or extreme sports cover.

These types of policies can cover the cost of damaged or stolen equipment like skis and kayaks, and in most cases they can be bolted on to standard holiday insurance for an additional cost.

Is UK-only travel insurance cheap?

Premiums for UK-only travel insurance may be lower because the bulk of the medical care bill is covered by the NHS. But your policy should still include repatriation and cover the cost of getting you treatment closer to home.

Whenever you buy travel insurance always make sure you’re covered for the activities you’re doing. If you’re not adequately covered, your insurer can refuse to pay out.

How do I compare travel insurance for the UK?

Comparing UK travel insurance is easy when you let us help you. Just fill in this short form and we’ll provide you a wide range of quotes that fit your needs – all you need to do is choose the best policy.