Travel Insurance that covers UK train cancellation

Tim11111000111

I am planning a holiday next month within the UK. I have booked long-distance train tickets (with bike reservations) and also pre-booked B&Bs at my destination. I am looking for a travel insurance policy that will cover my (non-refundable) accommodation costs in the event that my pre-booked train is cancelled and/or I am denied boarding with my bike for whatever reason (I have done everything by the book in terms of making a reservation, but heard plenty of stories of people being denied boarding nonetheless). I would note that trains to the destination are infrequent and bike spaces are hard to come by, so it seems unlikely I could simply catch a different train later in the day. This scenario doesn't seem to be covered by any of the insurance providers I have looked at due to the policy wording (e.g. most only cover similar circumstances for international trips).

Anyone found a policy that would suit my needs? As an added complication, accommodation costs aren't huge (c.£300 for two people) so the premium and the excess both need to be sufficiently low for it to be worthwhile.

It does seem odd that if a train is cancelled so you miss your international flight you would be covered, but if your train is cancelled and that train was taking you to your destination, no cover!

jon81uk

My travel insurace with my First Direct packaged bank account does cover UK holidays of at least two nights.
But I think the rules on cancellation would be the same as a flight and you would need to be unable to get an alternative train within 24 hours.