UK-based consumer advocacy watchdog Which? has published some advice for British holidaymakers planning to take a ‘staycation’ in the UK this year. Research by Barclays bank has suggested that 75 per cent of UK adults either went on or planned a holiday within the UK last year, up from 70 per cent the year before; extrapolating from this, Which? expects the number to increase again this year, and hopes to educate these travellers about the need for insurance coverage.
Travellers may assume that because they are not leaving the country for their trip, they do not need to take out insurance; a pernicious misconception that can lead to holidaymakers getting into difficulty. After all, just because a staycationer isn’t leaving their home country, that doesn’t mean they are immune from potentially costly difficulties. Brits are lucky in that the NHS will treat them for any illness or injury they sustain – although they will be taken to their nearest hospital rather than to one near where they live, so travel cover could help with travel costs when they eventually return home – but they could still require coverage for lost luggage, or delayed or cancelled travel.
“It’s worth thinking about how much money you’re likely to lose if the trip – or any portion of it – is cancelled, what valuables you’ll have with you, and the likelihood of issues arising,” said Which?. “Not all trips will need cover – a weekend away at the seaside may not require insurance cover, while a week-long bicycle adventure in the remote countryside may make it worthwhile.”
Which? advises travellers to – stop us if you’ve heard this one before – ensure that the coverage they purchase is appropriate for their trip, and to check the policy wording for any exclusions.