UK only travel insurance
Is it possible to get UK only multi trip insurance cover for travelling? Most want to include Europe when we do not need cover for Europe as RP is available however RP does not cover local UK travel for England, Wales, Scotland and NI.
For instance you book a couple of commercial sites, but then fall ill and illness is not Covid related and you need to cancel or you are away on holiday and then fall ill. Mayday will obviously repatriate the caravan to your home, but you lose out on the payment for the rest of you holiday.
Any suggestions for local UK only insurance?
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I can’t say I’m surprised. We have never taken out a cancellation policy for this country, however do take out RP for over there. Generally the only reason for this is the health insurance and breakdown elements. We have only rarely booked a site and ferries can generally be changed at little or minimal cost. However a few years ago we booked non refundable Eurostar tickets to Avignon, various hotels and car parking. Due to a bereavement we were unable to travel, so made a claim. I suppose in the end it was worthwhile, but a substantial amount of paperwork was required and excesses, fee for doctors letter and things that were excluded from cover like pre paid meals, totalled over 20% of the claim.
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On checking it seems that UK holiday insurance is more geared towards cancelled hotel, cottage etc bookings and you cannot exclude medical reasons which would not affect your holiday.
Cheapest annual quote we got was in excess of £160. Cover for a 28 day trip was about £130! We already have breakdown cover through Mayday so that removes one element, Secondly the NHS is free so another element removed.
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It also depends what the excess is on the policy. If you've just paid a deposit for a site, then it may well be more than that. But I know some sites want you to pay the balance weeks in advance (one site I wanted to book wanted full balance at least 4 weeks before arrival, which I wasn't willing to do, so booked elsewhere), so in that case, insurance could be worthwhile.
But then again, in that case, it would always be worth asking the site if the booking could be postponed, rather than cancelled altogether, and that way you wouldn't lose your money anyway.
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For many years we had an an annual, worldwide travel insurance which was cheap and would have covered cancellation costs for pre booked UK holidays as well as those overseas - but it was only as old age crept upon us that the cost of that sort of policy became prohibitive.
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Of course with a UK policy you can’t even off set the cost of the policy itself. When abroad you are still covered for the medical / breakdown sections even if you don’t use them. Therefore in the 20% I mentioned above I didn’t include the initial cost of the insurance, which was about £100. If I took out a UK policy it would be purely for cancellation, so the cost of the policy would have to be factored in. If I did that losses would have been 44% of my claim. Personally unless it was a very expensive holiday, I would prefer to cover the risk myself in this country.
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I've come to the same 'self cover' conclusion myself, Steve. We don't need medical cover in this country, other than perhaps to meet the cost of a private ambulance to get us home, so it's just as well to bite the bullet and go without insurance. I'm guided by the theory of not paying out more upfront that I'm prepared to lose if it all hits the fan.
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