Essential guide to travel insurance when planning a trip to anywhere in the UK this year
A new study from Aviva has found that more than half of UK adults (53%) plan to take a holiday in the UK in the next 12 months.
According to the insurer’s latest report ‘How We Live’, camping and caravan plans have returned to their pre-pandemic levels, with 13% of UK residents expecting one next year, while that self-catering cottages are growing in popularity (16%).
While travel insurance is usually associated with vacationing abroad, there are advantages to purchasing coverage while staying in the country.
Aviva has put together essential information for people planning to vacation in the UK.
Coverage for non-Covid cancellations, such as injuries, jury duty, and layoffs
While many vacation companies and accommodation providers offer flexibility in the event of future lockouts, travel coverage can provide additional protection for other unforeseen situations.
Travel insurance is designed to help customers in the event of an unforeseen emergency. It could mean something that happens while on vacation or an incident that happens ahead of time that disrupts travel plans.
Many policies allow people to claim if they need to cancel a trip for the following reasons:
Customer, travel companion or close family member becomes ill or injured
Client is called to serve on jury when supposedly on vacation
A customer is made redundant
A client’s home is rendered uninhabitable by fire or flood
A study by Aviva found that only 12% of vacationers believed they would be covered in the event of a layoff, so it’s worth checking the policy documentation.
Minimum stays and pre-booking may be required to claim UK breaks
Travel insurance can be used to protect UK based travel plans, but insurance providers will generally require holiday accommodation to be pre-booked and there may be a minimum stay, such as two nights consecutive.
Trips where customers are staying with family and friends will not normally be covered and when camping or staying in a trailer park, accommodation will generally need to be a site managed by the business and booked in advance.
When it comes to travel insurance, it’s important not to assume that baggage is covered as standard. Some suppliers may offer optional baggage insurance. However, customers may already have coverage elsewhere, so it’s worth checking that they don’t double down.
Coverage for personal effects
It is often an optional supplement to home insurance and can cover your belongings anywhere in the world.
This can include coverage for cash and credit cards and even tents, although there may be exclusions for some items such as sports equipment.
There will likely be a single item limit (usually around £ 2000) and all items above that limit must be listed separately on the policy.
Pedal bike insurance
Cycling has grown in popularity over the past year and pedal cycles have become an integral part of UK breaks for many holidaymakers. While home insurance typically covers bikes in the home, additional insurance may be needed to provide protection when the bikes are on the move.
Many home insurance policies offer a pedal cycle supplement to provide coverage in the UK and overseas, while some specialist providers such as Ripe offer stand-alone coverage.
Most insurers will state that bicycles can only be covered if they are enclosed in a building or attached to an object that cannot be moved, such as a railing, a bicycle rack or even attached to a car rack, therefore a sturdy lock is an important part. partner for a pedal cycle.
Coverage must be purchased as soon as a break is booked
Insurers advise people to purchase coverage as soon as they have booked a vacation, in case something happens that forces them to cancel their plans.
If someone doesn’t have coverage in place and their circumstances change before the holidays, which means they can’t travel, unfortunately they won’t be able to make a claim. This could mean losing a deposit, or even the full cost of the stay.
Required to disclose medical history
A person’s medical history is extremely important when purchasing travel insurance, as is any change in health that occurs between purchasing coverage and travel.
This allows the insurer to appropriately assess the medical risks posed by each client, as well as any other risks, in order to provide coverage at a fair price.
For those who have travel insurance with their bank or as an annual policy that renews automatically, it is essential that they check their coverage when renewing and let their insurer know if anything has changed or before booking a vacation.
When in doubt about what to disclose, it is best for clients to check with their insurer.
Type of UK break expected in the next 12 months
City break or short hotel stay – 17%
Independent – 16%
Beach vacation – 14%
Camping or caravan travel – 13%
Visiting family and friends – 12%
Spa break – 5%
Car tour – 4%
Cruise – 4%
Bus tour – 3%
Theme parks – 2%
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