Travel Insurance Do I Really Need To Buy Cover For A Holiday In Britain

Travel Insurance Do I Really Need To Buy Cover For A Holiday In Britain

Last week my wife and I booked a​ seven day holiday in​ Tobermory on​ the​ wonderful Isle of​ Mull. All that grand scenery with brightly painted houses clustered around the​ harbour. Hands up who knows Tobermory as​ Balamory!

You could have knocked me down with a​ feather when the​ travel agent assumed that I wanted travel insurance for an​ additional £27.50. Not on​ your Nellie the​ Lock Ness monster,​ I thought. I can spot a​ rip off when I see one! Who needs insurance for a​ trip to​ another destination in​ Britain? the​ NHS is​ free and in​ an​ emergency,​ my daughter could drive up and take us home.

Later in​ the​ comfortable setting of​ my lounge I got to​ thinking …….

Holiday disasters don't only happen abroad. So I made a​ list of​ the​ risks:

One of​ us could be taken ill before we depart and we'd be forced to​ cancel. as​ the​ ferries and the​ hotel were non-cancellable,​ we'd lose everything we'd paid.

My parents are getting on. God forbid,​ but I'd have to​ cancel the​ holiday if​ something happened to​ them just before we're due to​ go.

My wife or​ I might be called up for jury service.

There may be a​ major delay at​ the​ ferry. Besides the​ inconvenience,​ we have to​ arrange an​ overnight stay in​ Oban.

Someone might steal our luggage

I've just bought an​ all singing and dancing camera especially for the​ trip. I might lose it.

If either of​ us were hospitalised we wouldn't want to​ be stuck on​ Mull. We'd want to​ be transferred to​ our local hospital in​ Cheshire.

Then it​ struck me that my Home & Contents insurance would probably cover me for loss of​ luggage or​ my camera if​ I was travelling in​ the​ UK. I dug out the​ policy. Lucky I checked. I was only insured for “personal possessions” if​ the​ items were listed and as​ I'd only bought my camera last week I hadn't got round to​ getting it​ documented on​ my policy as​ a​ valuable item.

Another point struck me. if​ I made a​ holiday related claim on​ my Home & Contents policy I'd lose my no claims discount. That didn't appeal one little bit. I've a​ ten years claim free record on​ my H&C policy and it​ still cost me £305 a​ year. I jotted down a​ note to​ self – when that policy comes up for renewal,​ check out the​ Internet to​ see if​ I could get it​ any cheaper.

By now £27.50 for a​ travel policy was beginning to​ look worthwhile.

But you'll realise I'm a​ bit of​ an​ old skin flint – at​ least my wife says so! I know,​ get online and check out whether the​ travel agents' policy at​ £27.50 was competitive.

Not all the​ sites I visited could offer me single holiday insurance within the​ UK but within ten minutes I'd found what I wanted - a​ travel policy and a​ saving of​ over £10!

Time to​ read the​ small print to​ make sure I truly had the​ cover I needed. Great,​ all the​ risks I had jotted down were covered. They'd even pay me £30 if​ my ferry was delayed for up to​ 12 hours and then give me the​ option to​ cancel my trip and get a​ refund.

Now check out the​ exclusions - what wouldn't they pay for? I wasn't covered if​ my holiday was for less than two nights or​ if​ my holiday destination was less than 25 miles from home. I also had to​ pay the​ first £30 of​ any claim. All seemed fair to​ me.

The decision was made. Key in​ my credit card details and CLICK I was insured. Peace of​ mind restored!

Travel Insurance Do I Really Need To Buy Cover For A Holiday In Britain

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