Many people assume UK travel insurance is only for trips abroad. However, even when holidaying within the UK, the right travel insurance can protect you from unexpected costs and disruptions. While medical treatment is available through the NHS, issues such as cancellations, lost belongings, travel delays, and accommodation problems can still affect your trip.
If your holiday in the UK includes at least two pre-booked nights away from home, or lasts more than three days, it’s worth considering UK travel insurance to protect your plans.
Why Do I Need UK Travel Insurance?
Although you don’t need medical cover for a staycation, UK travel insurance can still protect you against a range of unforeseen events, including:
✔ Trip cancellation
If you need to cancel your holiday due to illness, injury, redundancy, or other insured reasons, your policy may help recover costs for accommodation, transport, and excursions.
✔ Travel delays and transport disruption
Domestic flights, trains, coaches and ferries can all be delayed or cancelled. Insurance may cover additional travel or accommodation expenses, depending on your policy.
✔ Curtailment (cutting your trip short)
If you need to return home unexpectedly, you may receive reimbursement for the unused portion of your trip.
✔ Lost, stolen or damaged luggage
Your bags, valuables, and gadgets (such as phones or tablets) may be covered up to the policy limits.
✔ Personal liability
Protects you if you accidentally cause injury to someone else or damage to their property while travelling.
Having UK travel insurance in place means you can relax knowing your trip is protected from the moment you make your booking.
What Type of UK Travel Insurance Do I Need?
Covered2Go offers two core types of UK travel insurance:
✔ Single Trip Travel Insurance
Perfect if you only need cover for one UK holiday.
✔ Annual Multi-Trip Travel Insurance
Ideal if you plan multiple staycations throughout the year. This can be more cost-effective and gives you continuous protection for every UK trip you take.
All UK trips must include at least two consecutive nights in pre-booked accommodation such as a hotel, cottage, Airbnb, or campsite.
What Does UK Travel Insurance Cover?
A good UK travel insurance policy should include:
Cancellation Cover
Protection if you need to cancel your holiday due to an insured event. Always review your policy wording for full details and exclusions.
Curtailment
Cover for returning home early due to illness, injury or other unexpected events.
Transport Disruption
Covers additional costs if a domestic flight, ferry, coach or train is delayed or cancelled.
Personal Possessions Cover
Reimbursement for your belongings if lost, stolen or damaged during your trip.
Personal Liability
Protection if you accidentally injure someone or damage their property.
Gadget Cover (optional)
Ideal if you’re travelling with mobile phones, tablets, smartwatches or cameras.
Covid-19 Cover with UK Travel Insurance
Our UK travel insurance includes Covid-19 protection such as:
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Trip cancellation if you test positive before departure
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Holiday curtailment if you or a companion fall ill during the trip
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Denied boarding on return travel if you’re suspected of having Covid-19
Please check your policy wording for full terms and conditions.
Additional Cover Options for UK Holidays
Depending on the type of UK trip you’re planning, you may want to add tailored protection:
Covers golf equipment, replacement hire, and non-refundable fees.
Protection for work equipment, documents, and replacement staff costs.
Essential if your trip involves adventurous or higher-risk activities.
If your UK holiday includes a cruise, this covers risks like missed port departures or cabin confinement.
Ideal for UK ski or snowboard trips, covering ski equipment and piste closure.
UK Travel Insurance for Pre-Existing Medical Conditions
If you have pre-existing medical conditions, our medical screening process helps ensure the right level of cover is added to your policy — including cover for emergency treatment and cancellation due to medical reasons.
Get UK Travel Insurance Today
Once you’ve booked your holiday, don’t delay arranging your UK travel insurance. Unforeseen cancellations or disruptions can happen at any time.
👉 Get a UK travel insurance quote today.
Where to Go on Your UK Holiday
Looking for inspiration? Here are some of the UK’s most popular holiday destinations:
🌄 Lake District
Perfect for hiking, scenic viewpoints and outdoor adventures.
🏖 Cornwall
Beautiful beaches, surf spots and charming seaside towns.
🏰 Edinburgh
A historic city full of culture, festivals and incredible food.
🌿 Cotswolds
Idyllic countryside, cosy pubs and picture-perfect villages.
🏔 Snowdonia
Ideal for mountain climbing, nature walks and breathtaking landscapes.
Wherever you choose to visit, make sure you’re protected with the right UK travel insurance for a worry-free break.
