“Think You Don’t Need Travel Insurance for a UK Staycation? Think Again”
With Easter break 2025 fast approaching, British families are gearing up for road trips and local getaways. But while packing chocolate eggs and booking cozy cabins top the to-do list, travel experts are sounding the alarm on an often-overlooked detail—UK travel insurance for staycations.
Why You Still Need Insurance for UK Trips.
Although the NHS provides free healthcare to UK residents, travel insurance covers more than just medical emergencies. As Hempstead notes, “It protects against cancellations, transport strikes, and even lost or stolen items—especially in high-theft areas like the London Underground.”
According to data analysed by MoneySuperMarket, theft of mobile phones and travel accessories on the London Underground has risen over 400% since 2021, with suitcases being among the most stolen items. Travel insurance can help cover these losses and offer peace of mind for travelers exploring even a few hours from home.
What Kind of Insurance Do You Need?
According to the UK Government travel advice and MoneySuperMarket, basic travel insurance should be enough for most domestic holidays. This usually includes cover for:
- Trip cancellations due to illness or emergencies
- Travel delays and disruptions (including rail and road strikes)
- Lost, stolen, or damaged belongings
However, if you’re planning any adventurous activities, such as off-road biking, white-water rafting, or outdoor climbing, make sure your policy includes high-risk sports cover.
Also, pre-existing medical conditions should always be disclosed in your application to avoid claim rejections.
Family and Budget-Friendly Insurance Options
Family policies offer a cost-effective and easy way to insure all members under one umbrella. According to Hempstead, “A family plan is usually cheaper and more manageable than separate policies.”
Travelers can also choose from two common policy types:
- Single-trip insurance: Best for one-off Easter holidays, offering short-term cover from a few days to up to three months.
- Annual multi-trip insurance: Ideal for families planning multiple getaways throughout the year.
But Hempsted warns: “Always check the fine print—some policies only activate if your trip includes a minimum night stay or a certain distance from home.”
When to Buy Travel Insurance?
The UK Government and the Financial Conduct Authority recommend purchasing travel insurance at the time of booking to ensure you’re covered for last-minute disruptions like cancellations, illness, or transportation issues.
And while last-minute policies are still available, they often come with reduced benefits. Hempsted concludes, “Even a basic plan is better than no plan at all. With thefts, strikes, and delays on the rise, having UK travel insurance ensures your Easter staycation goes smoothly—no matter what surprises come your way.”