Holiday insurance for UK travel

mynameisnotfred wrote: »

I’m UK-based and we’ve just paid quite a lot of money for a UK hotel on hotels.com but saved ourselves £50 by going for the non-refundable option, meaning we lose all our money if we need to cancel at any point.

It looks like I can get travel insurance for about £6 or £7 that would cover this. The excess is £50 but at at least we only pay if we cancel.

Has anyone else ever done this before? Just checking I haven’t missed anything that would make this invalid as never booked travel insurance for a staycation before.

You'll be covered for cancellation, obviously check the Policy Wording of the policy you're looking at to check any exclusions. You should be covered for cancellation, for example, if you or a close family member falls seriously ill and you are unable to reasonably travel.

You'll obviously rely on the NHS for emergency medical treatment , but you may have cover for hospital transfers to get you back to a hospital closer to home, if you do fall seriously ill on holiday.

Many insurers have limitations on how far you need to travel to be covered (they wouldn't want to cover you for staying down the road) and you'll often need to be travelling for at least 2 consecutive nights (sometimes more).

The key phrase is "Need to cancel". You can't just decide you don't want to go and expect the insurance company to reimburse you. Check under what circumstances you will be allowed to cancel, and if there is a minimum stay requirement for the insurance to activate.

mynameisnotfred wrote: »

I’m UK-based and we’ve just paid quite a lot of money for a UK hotel on hotels.com but saved ourselves £50 by going for the non-refundable option, meaning we lose all our money if we need to cancel at any point.

It looks like I can get travel insurance for about £6 or £7 that would cover this. The excess is £50 but at at least we only pay if we cancel.

Has anyone else ever done this before? Just checking I haven’t missed anything that would make this invalid as never booked travel insurance for a staycation before.

Depends why you need to cancel on whether you can make a claim or not. Also you could purchase excess waiver then there would be no excess if you can claim.

mynameisnotfred wrote: »

I’m UK-based and we’ve just paid quite a lot of money for a UK hotel on hotels.com but saved ourselves £50 by going for the non-refundable option, meaning we lose all our money if we need to cancel at any point.

It looks like I can get travel insurance for about £6 or £7 that would cover this. The excess is £50 but at at least we only pay if we cancel.

Has anyone else ever done this before? Just checking I haven’t missed anything that would make this invalid as never booked travel insurance for a staycation before.

There is usually a minimum length of stay.

McKneff wrote: »

Which travel insurnance company is this, I have never been able to find one that does cancellation only.

sheramber wrote: »

I think the OP means he only has to pay the £50 if he cancels rather than paying the extra £50 for a refundable booking, If he doesn't cancel he doesn't need to pay the extra £50

He didn't mean it was cancellation only.

The way I read the post was the OP saved £50 by booking a non refundable tariff.


The policy they are considering has, co-incidentally, a £50 excess