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Don't assume that travel insurance for a holiday in the UK is a waste of time. It can make good sense but shop around for a bargain.
Travel Insurance - do I really need to buy cover for a holiday in Britain?
Author: Michael ChallinerLast week my wife and I booked a seven day holiday in
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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 ( unsecured loans ) 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 ( travel insurance ) 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, ( cheap loans ) 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 ( personal loans ) 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.