Travel insurance and your staycation 

Why it pays to take out travel insurance even if you stay in the UK

5 minutes

Why travel insurance makes sense for every holiday.

A staycation - what's that?

The word 'staycation' is an amalgamation of 'stay' and 'vacation'. People started saying it in 2009 when, in the midst of the global financial crisis, holidaymakers were taking more trips in their home countries. 

It seems to have stuck, with millions of us taking short breaks and longer holidays in our own backyards every year. 

No long haul flights to endure, no exchange rate to work out and no language barriers. 

But it rains all the time - why would I staycation in the UK?

Okay, so we're not known for wall-to-wall sunshine, but the UK has loads of options: a stunning coastline, beautiful countryside, fantastic heritage, amazing food and vibrant  cities. 

Need more perks? A staycation means no long haul flights to endure, no exchange rate to work out and no language barriers. And best of all, you can take your pet with you without the need for a pet passport.

In the UK, we're spoilt for choice with so many beautiful destinations

And I don’t need travel insurance, right?

Wrong.

Although you won’t need travel insurance to pay for emergency medical treatment, you’ll still need it in case your holiday has to be cancelled, your baggage gets stolen or your hotel goes out of business. And if you get ill and you're too unwell to get home, your travel insurance can help pay for additional travel or accommodation costs.

Travel insurance often includes cover for accidental damage or injury to people or property as well. So if you accidentally smash a window in your holiday cottage, and it's not due to your own negligence, your insurance can help cover the cost. However, your travel insurance will only cover accidental damages you are liable for.

And if you tow your own caravan on a caravan holiday, you’ll need to make sure all your possessions are insured while you’re travelling and when you arrive. A combination of travel insurance and caravan insurance can help with this. 

 

Why would I ever cancel a holiday?

You never know what's around the corner.

Take Gail, who booked a week’s walking in the Lake District. The weekend before she left, she was walking her dog in the New Forest when she tripped and twisted her ankle.

Subsequent x-rays showed she had broken her ankle and required an operation. The surgery was scheduled for the week she should have been on holiday. Luckily, she had cancellation cover with her LV= travel insurance, so was able to claim the cost of the holiday back, less her policy excess.

 

But I’m very careful with my valuables

Most of us take good care of our possessions, but when you’re snapping away at the beautiful scenery or keen to get back to the surf, there are loads of distractions and it’s easy to lose a camera or drop a phone.

With travel insurance on your staycation, you can claim for lost, stolen or damaged baggage and valuables up to a certain limit. With LV=, this includes hired sports equipment, so if you accidentally ding that surfboard you hired, you won’t necessarily be out of pocket. Alternatively, you may be able to claim for your baggage and valuables on your home insurance.

 

Oh no! The company I booked with has gone out of business 

Imagine: you've booked and paid for the perfect boutique hotel in the Cotswolds and now they've gone bust. Not only have you potentially lost the money you spent on  booking, but you need to spend more money on another holiday. Nightmare!

LV= Premier travel insurance covers you for this exact scenario. Plus it also covers you if a hotel or caravan holiday site goes bankrupt while you're staying there and you need to find an alternative. And you get cover for the financial failure of an airline, train operator, car hire company, cottage rental, campsite and even booked excursions.

Can I get UK and overseas cover all in one?

You sure can. Annual multi trip travel insurance can often be a good way to make sure you have adequate travel insurance if you enjoy both a staycation in the UK and travelling overseas.

If you're planning a day trip within the United Kingdom, you'll be covered under an annual multi trip travel insurance as long as you have either pre-booked the accommodation, it's more than 25 miles away from your home or it involves a sea crossing.

With LV= insurance you can take as many trips as you like in the year and be insured for up to 90 days each time with Premier cover.