Should You Get Family Holiday Insurance for a UK-Based Break?
Is family holiday insurance necessary if you’re not going abroad? Here are some reasons why you should still get cover.
If you’re thinking of taking a family break in the UK, you may be thinking of forgetting the whole family holiday insurance issue. After all, you’re in the UK, so what could possibly go wrong?
Unfortunately, as we all know, things can still happen to scupper the best-planned holidays. Here are three good reasons why you should still make getting cover one of the top things to do on your list.
It will pay out if you have to cancel for a specific reason
All policies will vary, but they will all provide some degree of cover in case you have to cancel your holiday. Normally this will cover such instances as suffering bereavement if someone close to you dies, but it can also cover the serious illness or accident involving someone covered by the policy. Other major events that may cause you to cancel your holiday can also be covered by family holiday insurance.
Family holiday insurance can also provide cover for personal possessions
If your luggage were to disappear, what else would you lose other than clothing? Maybe you keep your camera tucked away in there so it doesn’t break, or perhaps you have other valuables in your suitcase so you don’t have to carry them on your person. Whatever the case may be, you’ll soon realise a good policy isn’t quite as optional as you thought it might be – especially if you want to be fully covered for all eventualities.
You’ll be covered if any luggage goes missing
Having your suitcase go missing while on your way to your destination isn’t the worst thing that could happen. However, you would still end up with no clothes or possessions, so it is certainly inconvenient. It would also take away some of the pleasure and relaxation of your vacation, since you’d almost certainly have to go shopping for replacements. This would cost a fair sum too – a sum that could have been at least partially covered by a good family holiday insurance policy.
As you can see, it does still make sense to get cover for your whole family even if you are just planning on having a UK-based break. It doesn’t matter whether it is for a weekend away or a longer period of a week or two - the most important thing is that you have the best cover you can possibly get. Of course you would hope never to need it or use it, but it does mean you’ve got that extra peace of mind if you find you do have to call on your insurers to come up with some help. And that's priceless.
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ABOUT THE AUTHOR
Patrick Chong is the Managing Director of Insuremore. We provide low cost travel insurance and offer a range of policies including family holiday insurance, annual, multi-trip and single-trip insurance. For all your travel cover needs, Insuremore can help you in the quickest and most cost-efficient way.