Summary

Dont assume that Travel Insurance for a holiday in the UK is a waste of time. It can make sense - but buy online for a bargain.

Travel Insurance - do I need insurance for a holiday in the UK?

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Last week my wife and I booked a two centre holiday on the Scottish Isles. Seven days on Skye and then a ferry over to Steornabhagh for a further seven days on the Isle of Lewis. Wonderful scenery, plenty of walks and masses of peace and quiet.

You could have blown me over when my local travel agent assumed that I wanted travel insurance for an additional £27.50. Not on your Nellie the Lock Ness monster, I thought. Who needs travel insurance for a holiday in Britain? The National Health Service is free and in an emergency, my son could drive up and bring us home. (car insurance )

Later in the relaxing setting of my sitting room I got to thinking ......

Holiday misfortunes dont only happen abroad. So with my pessimistic hat ( mortgage quotes ) on, I made a note of the risks:

Some rotter might steal our luggage
Last week I bought an all singing and dancing digital camera especially
for the trip. Got it on the Internet. I might lose it whilst away.
If either of us were hospitalised we wouldnt want to be marooned on Skye. Wed want to transfer to our local hospital in Warwickshire.
My wifes parents are getting on. God forbid, but Id have to cancel ( life insurance policies ) the holiday if something happened to them just before were due to go.
One of us could be taken ill before we depart and wed be forced to cancel. As the ferries and the hotels were non-cancellable, wed lose everything wed paid.
There may be a major delay ( cheap car insurance ) at the ferry going over to the Isle of Lewis. Besides the inconvenience, we have to arrange an extra overnight stay on Skye.
One of us might be called up for jury service.

Then it struck me. If I were holidaying in the Britain, my existing Home and Contents policy might cover me for loss of my camera or luggage. I dug out ( mortgages ) the policy document. Lucky I did. I was only insured for "personal possessions" if they were listed and as Id just bought my digital camera I hadnt got round to listing it as a valuable item on my policy. (loans)

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