Is there any insurance for a UK based holiday in the event that we have to self-isolate and cancel?

jasmcom

We are planning to book a cottage or caravan in Devon for August which looks like it will be costing £1,000. It would be with a private owner, so not a tour operator or holiday firm which might offer a degree of flexibility.  I'm assuming a private owner, given the economic climate and loss of earnings they would have already suffered this summer,  would be unlikely to offer a refund if we developed covid symptoms and couldn't travel. They simply wouldn't be able to run a business like that, would they? That kind of money is a lot to lose if one of us does get symptoms or is told by Track and Trace to self isolate. Now, whilst I'm hoping this doesn't happen, there is always a possibility. So I'm curious to know if there anywhere to buy insurance to protect against the cancellation of UK travel plans due to covid-19?

Mrsn

There are insurers offering COVID cover but not many, and it’ll still be the same cover as you would buy for your typical abroad cover I would have thought.

jasmcom

Yes, I've noticed a couple are offering covid cover if you fall ill abroad and need medical assistance in a foreign hospital, but this is specifically for cancelling UK booked travel plans if we need to self-isolate which is quite different. Must be a situation many of us will find ourselves over next few months.

jasmcom

Can anyone help?

JGB1955

It might be worth phoning Staysure and checking their cancellation cover for UK:

https://www.staysure.co.uk/uk-travel-insurance/?gclid=EAIaIQobChMIqPzc19Dv6gIVBLTtCh1bkwOBEAAYASABEgLG8PD_BwE&gclsrc=aw.ds

Vegastare

Am not sure you age but I had an email from Saga for over 50's regarding covid cover - whether it covers UK not sure or just overseas....but they did offer UK based holiday stays insurance prior to covid so would think they do.

jasmcom

Have looked at Saga, Post Office and others but their covid cover offers assistance in a foreign hospital if you fall ill while abroad which isn't applicable with a holiday cottage in the south west. 
Saga says this under their exclusions for cancellations:
" Claims related to any coronavirus, any epidemic, or any pandemic"
So pretty clear there's no cover for cancellation due to covid