Do you need travel insurance for a staycation?

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From divine destinations to hidden hideaways (and some travel insurance information in between), here’s everything you need to know about staycations…

  • Staycations continue to soar in popularity
  • You still need travel insurance for a staycation
  • The UK boasts beautiful bucket-list-worthy locations

What is a staycation?

The word 'staycation' is an amalgamation of 'stay' and 'vacation'. The phrase gained traction 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. 

So, whether you call it a staycation, a UK break, or a local leave of absence - staying close to home has never looked so good. If you're thinking of taking a road trip to the Dorset coast, or camping in the Scottish Highlands, you should still consider travel insurance. We'll cover you for trips as long as they're 25 miles or more from your home address, even if you're only gone for the day. So, from mini breaks to staycations and all the day trips in between, we're here to cover you for delays, cancellations, lost luggage and more.

We may not be 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. 

Oh, and a staycation means no long-haul flights, 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.

Do I need travel insurance for a staycation?

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 even if you get ill and you're too unwell to get home, your travel insurance can help pay for additional travel or accommodation costs.

Cover for damages

Travel insurance also 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 could help cover the cost. 

Cover for lost or stolen baggage

With travel insurance, you can also 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.

Cover for a cancelled trip

Remember, the costs of cancelling a trip in the UK can be just as expensive as cancelling a trip abroad. So, for peace of mind that you'll be able to recover any costs if you can't go on your trip, make sure you've got travel insurance in place should the worst happen.

Cover for your hotel going bust 

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= travel 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.

Looking for some UK staycation inspiration?

Life’s a beach

We all know Cornwall has the most stunning coastline, but it’s hard to know which ones to head to on your staycation. Well, we’ve pulled together our top ten!

  • Sennen Beach
  • Godrevy Beach
  • Praa Sands Beach
  • Perranporth Beach
  • Marazion Beach
  • Porthmeor Beach
  • Kynance Cove
  • Porthcurno Beach
  • Harlyn Bay
  • Mawgan Porth Beach

With 25 Blue Flag beaches, fresh seafood restaurants and the impressive Jurassic coastline, Dorset is a great place to visit for a staycation. Whether you fancy a surf, a boat trip, a coastal walk or an activity-filled day with the kids, Dorset has it all.

Brighton has been the “down from London” seaside favourite for years. This seaside town is known for its fun-filled pier, vast pebble beach, and the unique Lanes for local shopping and vibrant nightlife. 

Road-tripping further north? Blackpool’s famous Pleasure Beach is a must-see for all the family! From lightshows to rides and some delicious fish and chips, Blackpool is a great option for a staycation. Oh, and for the Strictly fans out there, you ‘ll be able to see the iconic Blackpool Tower.

Countryside cabins

Straight out of a fairy tale, the quintessentially British Cotswolds is known for its natural beauty, rolling landscapes, historic buildings and a plethora of classic British activities like afternoon tea.

Perfect for families, Suffolk is filled to the brim with coastal and country walks, cycle paths and National Trust locations. It’s not short of nature either, so keep your eyes peeled for deer!

New Forest
Wild horses, tall trees, stately homes and not far from the sea – the New Forest really hast it all. Pack a picnic and head into the forest for a day of biking, walking and horse-spotting!

Lake District
The lakes of the Lake District are known for being some of the largest and most beautiful in the UK. Plus, you can get stuck into some water sports, sailing, kayaking and even [paddle boarding. So, pack the wetsuits!

Scottish Highlands
If you and your family love adventure, the Highlands have it all. With rolling hills, white water rafting, canyoning and gorge walking…. Oh, and of course, looking for Nessie!

You’ve probably heard of the Three Peaks Challenge, but if that’s a little too much for you and your family, you could take on the Yorkshire Three Peaks Challenge during your staycation instead! Pack some hiking gear and snacks, and you’re good to go!

City breaks

With yellow stone buildings, historic roman baths and the famous Thermae Bath Spa, Bath is a romantic choice for a city staycation. Bath also boasts some very unique bars, restaurant and shops to really take your staycation to another luxury level.

More than just the University! Cambridge boasts a beautiful waterway where you can watch punters punt, a stunning view point at the top of St. Mary’s church tower, and a whole host of tea rooms and meadows to wander and enjoy.

A fan of the Beatles? Then what are you waiting for! Liverpool is enriched with British music history - you can walk down Penny Lane and watch live music at the Cavern Club to really feel a part of history. 

From the Fringe Festival to Hogmanay, Edinburgh is famous for being an amazing place to visit. It’s crawling with historic beauty, quirky bars, and even an extinct volcano (yes, really)!

Cardiff Castle is one of the most impressive in the UK. You could spend all day walking around the castle and grounds and taking in all the history that engulfs it. Plus, Cardiff Bay is home to lots of bars, restaurants and nightlife!

Where do we begin?! London has it all. Parks, palaces, pubs and parliament! You could spend all day sight seeing and all evening trying out the hidden gems for food and drinks. You could even catch a West End show while you’re there!

Every Sunday, there are bustling market stalls along the Quayside, with everything from homemade sweets to homemade furnishings, as well as water view bars and restaurant! Oh, and you can even get adventurous by taking a kayak out into the quay! 

So, before you head off on a staycation, don’t forget to check the details of your travel insurance, car insurance and breakdown insurance to make sure you’re covered for every eventuality. Happy travels!


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