UK travel insurance

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Do I need insurance for UK travel?

Yes, it’s handy to have travel insurance no matter where you’re travelling.

UK travel insurance can cover you for things that could go wrong on your trip, like:

  • Transport delays and curtailment
  • Holiday cancellation
  • Lost, stolen or damaged luggage
  • You can get single trip or annual multi-trip cover for UK holidays, but there will be a few exclusions.

UK travel insurance clauses

Cover for UK trips tends to be less extensive than for trips abroad:

  1. Medical cover

    You won’t need medical cover, as you’ll have access to the NHS

  2. Booking in advance

    With single-trip cover, most policies will only cover trips you’ve booked in advance

  3. Distance limitations

    Your holiday destination needs to be a certain distance away from where you live, usually over 25 miles away

  4. Length of trip

    Some policies impose a minimum trip duration, for example three nights. It's possible to find policies that'll cover short trips, though

  5. Business trips

    You’ll need to say if you’re travelling for work, as not all insurers cover UK business trips

Am I already covered?

You might not need travel insurance for a UK trip as you could have adequate cover already.

Some home insurance policies include personal possessions cover, which insures your property when you’re away from home. It won’t cover all your possessions though. And insurers can be strict about when you’re covered. If you’re unsure, ask the insurer.

If you have car troubles, some breakdown cover policies provide onward travel to get you to your destination.

What other types of cover might stay-cationers need?

This depends on your plans, but you might want to consider cover for:


Standard travel insurance will cover you for loss or damage to your baggage, but it might not extend to golfing equipment.

Some policies will include cover for golf clubs as standard. With others, you can usually add cover for a fee.

Extreme sports

If you’re planning on some adventurous activities while you’re holidaying in the UK, find a policy that covers them. For the most extreme sports, your insurer might be able to include them in your cover for an additional fee.

Find out more

Winter sports

The UK has plenty of winter activities to offer, so if you plan to do any on your trip make sure you look for policies that include the sports you need.

Find out more

Travel insurance guides and tools

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