Cheapest & best... Single trip UK travel insurance

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Hi

We're flying within UK in Oct (with Ryanair). I will be purchasing insurance for us - have read posts which suggest taking insurance that covers flight cancellation (plus hotels etc..) as Ryanair will either find you another replacement flight or refund your money. Our tickets were £24 for two so refunding is fine, however, as we'll need to book hotels etc.. I will need something that will cover both in the event Ryanair need to cancel. (airline failure I think?)

I have searched but can't seem to find anything that covers this - most say they will cover you if for unforseen circumstances we can't travel - but not if the carrier cancels...can anyone suggest?

Obviously I'll be trying to use cash back site too!

Thanks
GJ x

apt

Unless you are covered already by an annual policy I would not bother getting travel insurance for a holiday within the UK.

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apt wrote: »

Unless you are covered already by an annual policy I would not bother getting travel insurance for a holiday within the UK.

Even if Ryanair deem a cancellation not their fault and therefore, only refund the flights? What about hotel, car hire costs?

apt

The chances of this happening are far smaller than the premium. You can also choose suppliers of car hire that will allow you to cancel, e.g. Auto-Europe.

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apt wrote: »

The chances of this happening are far smaller than the premium.

from which source and what figures are you quoting? How can £ be more than % per your quote above?

I'm just concerned that flights are cancelled, Ryanair will reject responsibility (I have read their T&Cs closely) and that we will be refunded the £24 we paid for the flights but lose quite a lot with the hotel bookings.

The premium I have seen on various websites was quite small - especially if you go through cash back - perhaps I am not using the right terminology - is it airline cancellation I'm supposed to be looking for? Martin's insurance section on the main site is not clear.

edit - actually, think I've answered my own question here
29) Purchase travel insurance (not from Ryanair!) that covers cancellation/delays on the part of the airline http://forums.moneysavingexpert.com/showthread.html?p=22334331&highlight=ryanair+card+cost#post22334331

dacouch

Apt does have a fair point in that Ryan Air flights are normally fairly punctual.

Bear in mind if you take out Travel Insurance you will have to pay the premium and if you do make a claim you will have to pay an excess (Often per person) of between £30 and £150. As you are looking for the cheapest travel insurance you are likely to end up with a company that have a big excess and possibly also charge the excess per person to get their premiums down.

Also bear in mind that to claim for travel delay a travel insurance pays out a fairly nominal amount but only after a certain amount of hours.

Another point is that if you have arranged your car hire indepentantly eg not part of a package then its often not covered by a travel insurance under the cancellation section as they tend to specify that they cover Accomadation and Travel costs.

So for a trip within the UK it is often debatable whether its financially worth while taking travel Insurance depending on the costs of your flight which I'm guessing are quite low.

moneysavingrob

Columbus are great value travel insurance provider and include scheduled airline failure cover free of charge - I also read today (see link below) that their cancellation cover pays out if you have to cancel due to being made redundant, which is reassuring in the current economic climate.
http://www.columbusdirect.com/Travel-Features/improved-protection-in-recession.cfm

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moneysavingrob wrote: »

Columbus are great value travel insurance provider and include scheduled airline failure cover free of charge - I also read today (see link below) that their cancellation cover pays out if you have to cancel due to being made redundant, which is reassuring in the current economic climate.
http://www.columbusdirect.com/Travel-Features/improved-protection-in-recession.cfm

Thanks for this - also Topcashback offer 16% back if you take insurance through them for this company - defnitely a winner - cheers.

dacouch

Have you checked what the policy excess is for the Columbus Policy is?

Bear in mind that Columbus impose the excess per person instead of per claim