Travel Insurance – Do I Need Insurance For A Holiday In The UK?
Last week my wife and I booked a 2 centre vacation on the Scottish Isles. Seven days on Skye and then a ferry over to Steornabhagh for a further seven days on the Isle of Lewis. Wonderful scenery, lots of walks and lots of peace and quiet.
You could have blown me over when my native travel agent assumed that I wanted travel insurance for a further £27.50. Not on your Nellie the Lock Ness monster, I thought. Who needs travel insurance for a vacation in Britain? The National Health Service is free and in an emergency, my son might drive up and bring us home.
Later within the relaxing setting of my sitting room I got to thinking …………..
Holiday misfortunes don’t solely happen abroad. Therefore with my pessimistic hat on, I made a note of the risks:
Some rotter might steal our luggage
Last week I bought an all singing and dancing digital camera particularly for the trip. Got it on the Internet. I might lose it whilst away.
If either folks were hospitalised we wouldn’t need to be marooned on Skye. We would wish to transfer to our local hospital in Warwickshire.
My wife’s oldsters are obtaining on. God forbid, but I would have to cancel the vacation if something happened to them simply before we tend to’re thanks to go.
One of us might be taken sick before we depart and we would be forced to cancel. As the ferries and therefore the hotels were non-cancellable, we would lose everything we would paid.
There might be a significant delay at the ferry going over to the Isle of Lewis. Besides the inconvenience, we have a tendency to have to rearrange an extra overnight stay on Skye.
One folks might be referred to as up for jury service.
Then it struck me. If I were holidaying within the Britain, my existing Home and Contents policy would possibly cowl me for loss of my camera or luggage. I dug out the policy document. Lucky I did. I was only insured for “personal possessions” if they were listed and as I might just bought my digital camera I hadn’t got spherical to listing it as a valuable item on my policy.
Another aspect struck me. I would lose my no claims discount if I made a vacation connected claim on my Home & Contents policy. That wouldn’t be a smart idea. I’ve got a ten year claims free record that policy and it still price me £310 a year. I jotted down a another note – keep in mind, when the policy comes up for renewal, see if I may get it cheaper on the Internet.
By now a travel policy at £27.fifty for was wanting worthwhile after all.
Currently my wife says I’m a little bit of an recent skin flint. Therefore sustain the image! I apprehend, revisit online and try the travel agents’ policy at £27.50. Is it competitive?
Not all the web sites I surfed might offer me a single trip travel policy for a vacation inside the UK but inside ten minutes I would found what I wished – and a saving of over £10!
Time to study the little print to substantiate I had the cover I wanted. Great, all the risks I had noted were covered. The insurer would even pay out £30 if my ferry was delayed for up to 12 hours and then give me the choice to cancel my trip to the Isle of Lewis and get my cash back.
Now what would not they get? I wasn’t lined if my holiday was for less than 2 nights or my hotel was less than 25 miles aloof from home. I also had to fulfill the first £thirty of any claim. Seemed honest to me.
The decision was made. Simply sort in my mastercard details and I was insured in a CLICK.
Alleviation restored!
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