Staycation insurance - Everything you need to know

Staycation insurance

The past year has been difficult on pretty much the entire world for a number of reasons, with the travel industry being one of the most affected due to the Covid-19 pandemic in most countries across the world, the UK included.

Due to this, many people are looking for holidays a little closer to home this year with the uncertainties of international travel still hanging in the air.

Choosing a staycation in the UK might be your smartest option for travelling post Coronavirus, so in this guide, we’ve put together information on travel insurance for UK travellers, why staycations might just be the best option in a world post-Coronavirus and what type of cover you need to look out for.

Staycation meaning

A staycation is essentially a holiday in your home country, or even in your home city, rather than travelling somewhere abroad.

What is staycation insurance?

Staycation insurance is pretty much the same as a regular travel insurance policy, but it protects and covers you for events or incidents that may arise when holidaying in the UK.

This type of insurance is usually more specific to events that could happen while on a break in the UK such as cover for property damage for your holiday home.

What does staycation cover offer?

Staycation insurance covers many things that a regular travel insurance policy covers including cancellation, curtailment and cover for any accommodation-related claims.

Take a look below at some of the other specific things you’ll be covered for with a staycation policy.

Curtailment cover

This is usually included with every staycation insurance policy and it covers you in the event that you need to cut your staycation in the UK short for any number of reasons.

You will be able to make a claim for any days that you miss out on with your holiday if you need to cut it short.

Cancellation due to Covid-19

Cancellation clauses are a common part of any travel insurance policy, staycation policies included, but many staycation insurance policies will now offer cover for specific cancellation reasons such as Covid-19.

Depending on the insurance provider, you may be able to make a claim on your staycation policy if you have to cancel your holiday due to Coronavirus. This may include if you’ve been told to self-isolate, if you test positive for Coronavirus or if someone in your household receives a positive result.

Each insurer will have different rules and regulations on what exactly you’ll be covered for with regards to Covid-19, so it’s best to double-check before you take out a policy to see what exactly you'll be covered for.

Transport and accommodation cover

You can get cover in the event that there is an issue with your transportation during your staycation or if your accommodation booking is cancelled or changed.

Baggage

While there might not be quite as much risk of losing your baggage on a UK staycation as when you’re travelling on a plane to another country, it’s still something that you’ll probably want to cover.

Adventure or “risky” activity cover

If you’re planning on taking part in “risky” activities during your staycation in the UK such as skydiving or skiing for example, you might want to ensure that your staycation policy covers you for these types of activities in the event that any of your equipment is lost, damaged or stolen, or if you suffer an injury while taking part in a “dangerous” activity.

Close relative claims

Some travel insurance providers offer something called ‘close relative’ claims which allows you to make claims not only for yourself as a policyholder, but also for any close relatives too.

However, each insurer will likely have a different definition when it comes to ‘close relative’ so always double-check before you commit to a policy to make sure that everyone that needs to be covered will be covered under the policy you take out.

Multi-trip travel insurance

Many travel insurance providers offer multi-trip cover which is often much more cost-effective than a single policy if you plan on making numerous trips throughout the year.

Your UK staycation may be included as part of your current multi-trip travel insurance policy, so you won’t need to worry about taking out staycation specific insurance, but it’s important to check whether your staycation will definitely be covered and whether there are any exclusions.

Do I need travel insurance for the UK?

While it’s not a legal requirement to take out a travel insurance policy in order to embark on a staycation in the UK, it can still be a good idea to do so, so that your trip is protected against things like cancellations or curtailments.

When holidaying in the UK, you don’t necessarily need to worry about travel insurance that covers medical issues as you’ll still have access to the NHS, but you might want to take out cover for things like accommodation damage or cancellations as these things can happen whether you’re on holiday in your home.

Best places to travel in the UK

The best places to travel in the UK depend on what kind of staycation you’re looking for.

If you’re after more of a city break with your staycation in the UK, then places like London, Edinburgh and York are great choices as there’s plenty of history to enjoy, great sights to see and something for the whole family to enjoy.

If a more outdoorsy staycation is more your vibe, then a break in the Lake District, Cornwall, the Cotswolds or the Scottish Highlands might be better suited to you.

Best companies that provide staycation insurance

Whether you’re looking for holiday insurance for the UK only, or for a more general travel insurance policy to tie in with your staycation cover, there are hundreds of travel insurance companies that can provide staycation cover.

Some of the best staycation insurance companies in the UK are:

  • Staycation Insurance UK

  • Holidaysafe

  • Just Travel Cover

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