Travel insurance covering UK part of journey

wibble3

I live in the north of Scotland, and frequently visit friends in northern France and the Netherlands. For various reasons I try to do this without flying when I can, meaning that most of my journey is within the UK.

On one such return trip I arrived back in the UK without trouble, but then weather-related delays within Scotland cost me a day and a few hundred pounds for last-minute accommodation and rebooking of travel.

My travel insurer at the time refused to pay out on the basis that I was only covered from leaving the UK to arriving back in the UK. Which in my case is a small part of the journey, and usually the least expensive part as well.

Looking at a few policies now, most insurers won't cover anything within the UK unless you have two consecutive nights booked in commercial accommodation in the same place within the UK - i.e. if you're passing through the UK, even over multiple days, you're out of luck.

Is there anybody who does provide useful cover in a case like mine?

Thanks.

400ixl

Probably cheaper to pay for cancellable accommodation.

Mine is similar in that it covers 2 nights pre-booked as the minimum oin the UK.

sheramber

Difficult to prebook for an unexpected delay when you don’t know if it will happen or where you will be if it does happen.